How To Dispute Items On Credit Report, What Is A Good Credit Score, How To Improve Credit Score

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How To Dispute Items On Credit Report, What Is A Good Credit Score, How To Improve Credit Score

What Is FICO and how it affects you

FICO is a mathematical model created by the Experian credit bureau as a tool for lenders to use in evaluating the risk associated with lending you money.

FICO stands for Fair Isaac Company, the company that created the original scoring model.

FICO scores consider your credit history over several years, making it difficult to increase your credit score in a short time frame.

Over the long term you can improve your credit-worthiness by:

– Reducing your total indebt ness.

– making your debt payments on time and in full.

– closing unneeded credit accounts.

– avoiding bankruptcy and foreclosures.

How is your Score Calculated?

Your score is calculated by a series of questions based on both your credit report & debt-to-income ratio.

Each answer accumulates a certain number of points that are then added together for your final score. A typical scoring considers:

– How long you’ve lived at your current address

– Your job or profession stability.

– Your financial obligations (debt-to-income ratio)

– Any late payments

– The amount of credit you have outstanding

– The amount of credit you are using

– The amount of time you’ve had credit established

Most Weighted Factors:

Current balances on accounts, too few bank revolving accounts, too many bank revolving accounts, number of accounts with balances, number of accounts opened in the last 12 months,

length of time accounts have been established, amount of past due accounts, number of delinquent accounts, too few accounts rated “current,” recent derogatory public record of collection, past due balances, number of credit inquiries made.

What is Considered a Good Score?

The magic FICO number is 680. If you score below 680 you are considered to have a very high default risk giving you the possibility of being declined.

If you score between 620 & 650 you will be put into a “questionable” category where you will have to provide further documentation to get approved.

A score of 720 or above is considered golden or “cream of the crop,” and most likely you will be eligible for the best rate on your loan.

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  How To Dispute Items On Credit Report, What Is A Good Credit Score, How To Improve Credit Score

How To Remove Items From Credit Report, Whats A Good Credit Score, Apply For Credit Card With Bad Credit

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How To Remove Items From Credit Report, Whats A Good Credit Score, Apply For Credit Card With Bad Credit

Bad Credit Is costing you 300 to 500 a month!

Awful CREDIT costs at least $200 – $500 every month in higher auto installments, contract installments, rent, auto protection, and the rundown goes on and on.

Don’t Live With Terrible Credit For Another Year!

Quit Dawdling. Make a move today!

We Promise That You Can Kill ALL or part of the Negative Credit Data Off of Your Credit Report and have the capacity to Restore Your FICO rating to 720+ Following the time when an Credit Authorities Don’t” “Legitimately” Check Any Data that they Distribute on Your Credit Report.

IF you know the law they must  Now they MUST Erase ALL Negative Credit reporting!

We have the words and the law that you need in your letter to make bad credit Go away!

Our Credit Letters utilize the Definite Words the Litigant Court Judge’s Decision in your favor  And Constrain The creditors to Expel ALL Negative Credit Data From Your Credit Report.

Make a move Now

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 How To Remove Items From Credit Report, Whats A Good Credit Score, Apply For Credit Card With Bad Credit

How To Remove Negative Credit Items, How Is Credit Score Calculated, Credit Cards For Bad Credit

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How To Remove Negative Credit Items, How Is Credit Score Calculated, Credit Cards For Bad Credit

The Credit Agencies May be Breaking the law!

We are questioning credit reporting law…..

not whether a record is yours or not yours or whether the negative credit thing is substantial or precise …….

we are debating whether the Credit Departments have that “irrefutable evidence” they are needed by law to have on that record.

So this is NEVER about what sort or earnestness of the negative credit thing we challenge…..

YOU just want the documentation the Loan bosses are using to make a determination that you owe a debt.

On the off chance that we were to demand that same undeniable information from the “Creditor” they normally go along rapidly and will generally fax or mail you a duplicate of your record application/history inside 24 hours.

So why cant the credit reporting agencies? Simple they have no documentation!

That is fine if the creditors have this information…..

but the credit agency’s do not so in reality they are posting unverified information on your reports and that’s unlawful!

The credit agencies by law need to have a duplicate of that same unquestionable information in their records that the creditors have since they are the organizations reporting your data to businesses requesting a credit report right? Under the FCRA 15 U.S.C. 1681…..

the Credit Bureaus need to give you a duplicate of obvious documentation in the event that it is asked for by you the buyer.

We have NEVER Gotten a solitary duplicate of evident verification on even one single customer record that we have asked for from the Credit Bureaus…….never!

Clearly, They don’t have any evident verification on document for any records!

You can start from the very beginning again with a clean credit report and a triple-AAA credit rating in no time…

ready to get the lowest rates accessible to people with FICO assessments in the mid to high 700’s.? Well

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How To Remove Negative Credit Items, How Is Credit Score Calculated, Credit Cards For Bad Credit

How To Remove Negative Items From Credit Report, What Is A Bad Credit Score, Help To Fix My Credit

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How To Remove Negative Items From Credit Report, What Is A Bad Credit Score,  Help To Fix My Credit

Your Not Credit Worthy So Change it!

Having good credit is essential in today’s world.

Acceptable credit will generally get you what you want, but bad credit can be the kiss of death. If you want a house, you need a mortgage.

If you want a car, you’re likely going to take out a loan.

Anytime you apply for credit, the lender is going to pull your credit report to determine whether or not you are a good credit risk.

Not everyone is a good credit risk but there is something you can do to make sure you become one.

Millions of Americans have poor credit, and many are in debt because of high interest credit cards.

Credit card companies often target low-income families by providing them with high interest credit cards, but they arent the only ones to fall in debts trap.

In fact, one million Americans file for bankruptcy each year.

Bankruptcy isn’t the answer for everyone, but there are several things you can do to get your credit healthy again.

First, make a budget and stick to it. Save money by clipping coupons, buying items on sale and not eating out as much.

Don’t buy something on a whim. Go home and think about it first. Chances are youl never go back. Remember, buy only what you need.

The money you save can be used to pay back debts. If you have problems paying your bills, you should call the creditor immediately.

If you ignore your mortgage bills, you can face foreclosure and the loss of your home.

Most lenders will work with you to help you get caught up on your bills and allow you to keep your home.

However, if you default on your car payment loan even if its late on a given month the lender has the option to just repossess the car.

Staying on top of your debts will help you on the path to good credit.

You also want to get a copy of your credit report from one of the three major credit bureaus:

TransUnion, Experian and Equifax. Your credit report includes your personal information, your accounts, your credit history and whether or not you’ve defaulted on an account.

Review the credit report carefully, looking for any errors pertaining to your personal information.

Also, look at each of the financial statements to determine if there is a credit card you’ve already closed, a debt that shouldn’t be there or any other mistake.

Contact the credit bureau immediately if you do spot any errors.

A lender determines if your a good credit risk by looking at your credit report and analyzing your credit score.

Most people have a credit score anywhere from 300 to 750.

 Anything 650 and higher is considered good credit. Anything below means your on shaky ground.

You can start from the very beginning again with a clean credit report and a triple-AAA credit rating in no time…

ready to get the lowest rates accessible to people with FICO assessments in the mid to high 700’s.? Well

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How To Remove Negative Items From Credit Report, What Is A Bad Credit Score,  Help To Fix My Credit

Remove Negative Items From Credit Report, Removing Items From Credit Report, What Affects Your Credit Score, Credit Card With Bad Credit

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   Removing Items From Credit Report, What Affects Your Credit Score, Credit Card With Bad Credit

Ready to Evacuate Negative Credit Quick?

The motivation behind why this bundle works is on the grounds that you are definitely not debating whether the record is right or not – you are questioning the Privilege of the Credit Agency to report it against you.

Under Government Law (15 U.S.C. 1681), the Credit Agencies MUST Confirm the genuineness of every entrance they report about you and physically confirm documentation identified with each record with your wet blue ink signature. The Credit Authorities Don’t check for your contracts They simply report it what the creditors tell them.

So the fact of the matter is, the Credit Agencies are abusing the law 15 U.S.C 1681. But since the dominant part of Americans don’t even comprehend what the law is – the Authorities persistently escape with it, In the event that YOU Give them a chance to.

The Credit Bureau Secrets exposed doesn’t simply debate a negative thing, it really asks for under Government Law that the Authority give you the documentation which they (ought to have) used to confirm the entrance on your credit report when you initially opened that record.

Since the Authorities Don’t confirm things, they do not have any documentation demonstrating the record is legitimate. Thus, the record is considered Unconfirmed under Government Law 15 U.S.C. 1681 What’s more ALL Unconfirmed Things MUST BE Erased precise and mistaken negative credit things is knowing what’s in store from them and knowing how to react to their Claims and postponement strategies – that is the reason – The Credit Bureau secrets exposed is the ideal toolbox for you to utilize and that is the reason you no more need to pay another person to debate these things this will Spare YOU Many dollars a month Pick up the book today! Matter of fact by one as a gift for someone you want to help.

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Removing Items From Credit Report, What Affects Your Credit Score, Credit Card With Bad Credit