Credit Scores, Galore...

By
Services for Real Estate Pros with Everlasting Credit Repair

I get asked a million times a day how can one improve their credit scores by themselves?

Ah, the million dollar question...

1. Keep all open & revolving tradelines (credit cards at 22% utilization or lower) NOT 30%!!! I really wish financial professionals would really stop telling folks to keep their card ratios at 30%, FICO 9 rolled out recently with new parameters and 22% or less is where you want to be at.

2. Settle off any negative debt. (collections, charge offs) etc.

3. If you do not have any credit cards get 2! You need revolving credit to maximize that credit score! 

Go here to apply for secured credit cards if needed: http://www.credithelp.biz/build-credit.html

4. Once you have settled off all of your negative debt (collections, charge offs) begin to dispute the paid off accounts with the bureaus. How and what to say is a bit trickier and I have a free book I provide those who want to DIY their own Credit Repair. Simply go here to get the Free Book: http://www.credithelp.biz

 

Posted by

Christina Hayes;

Everlasting Credit Repair

423-254-0555 Office

888-507-1112 Toll Free

423-373-1293 Fax

423-258-3071 Mobile

                       

 

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Rainmaker
776,375
Doug Dawes
Keller Williams Realty - Topsfield, MA - Georgetown, MA
Your Personal Realtor®

All good points Christina Hayes 

I say pay off your credit cards every month and always pay your bills on time.

May 26, 2017 11:56 AM #1
Rainer
77,342
Christina Hayes
Everlasting Credit Repair - Morristown, TN
Credit Repair Expert

Many people do that pay off their cards in full however if you have a balance above the 22% utilization that balance gets reported before the due date. It is imperative to know the reporting dates of your cards if paying off in full as you may experience drops in your scores. Because the balance reported may exceed 22% causing your scores to drop due to balance proportions.

May 26, 2017 12:35 PM #2
Rainmaker
525,654
Dave Halpern
Keller Williams Realty Louisville East (502) 664-7827 - Louisville, KY
Louisville Short Sale Expert

Many potential home buyers are 3 to 6 months away from repairing their credit and qualifying for a home. They need a good credit repair company, a patient mortgage broker, and a caring Realtor who will guide them through the process.

Sep 04, 2017 05:07 AM #3
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Rainer
77,342

Christina Hayes

Credit Repair Expert
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