Free-CreditRepair-Help.Com
Free and Easy Ways To Fix Credit and Get Credit Reports For Free !
1. After You Order Your Real "FICO" scores from these sites.
( not FAKO - which are non-credit bureau determined scores, but estimations )
Use the exclusive information to write directly to the creditors and lenders who are reporting - and ask them for proof !
A. Your initial credit application
B. For credit cards, ask for the signed sales
slips.
C. Dispute the transactions as not being signed
by you....
How To Get Your Credit Fixed Cheaply and within 30 days....
1. Pull your credit report and find out where you stand. Get the 3 bureau report and 3 bureau scores from the above MYFico link.
2. Dispute through MYFico or other reputable credit reporting service and use their letters for removing negative information. You can start online or through their form letters. If the bureaus dont respond within 30 days or so, they are required to pull the negative information. They are also required to pull negative info during the investigation...Just think about the complexity of verifying information. Older information is sure to be hard to find or maybe even lost...
3. Collections - If there is a collection account, you may be able to settle for less than the full amount owed.
4. Dispute Everything - Chances are this shotgun approach will work on a few items. See what sticks and what doesn't. Give good dispute information, claim it was done in error by the creditor or it was paid on time. If they cant get back to you in time, it comes off !
6. Dont forget to check your report for identity theft. If your building or rebuilding your credit, don't forget to protect IT ! Thieves watch for increasing scores and target you in many ways. I do recommend the LifeLock system to prevent losses to your new credit scores.
Check personal information. Is your name spelled correctly? Pay attention to things like "Jr." or "Sr." that can be easily confused. Is your address correct? Check previous addresses, too. Make sure your Social Security number, date of birth, phone number and employer all are current and correct.
Check public record information. Does your credit report show a bankruptcy, foreclosure, tax lien or court judgment? Are the dates correct? Is the information accurate? If so, should it still be reported? Check credit history. The most important step is to review your credit information. Creditors focus on this section when determining if you are creditworthy.
First, check each account to make sure the information is accurate and up to date. Is the credit limit correct? What about the balance due? Creditors don't always update this information monthly, so it could appear that you owe more than you actually do.
Next, check the status of your accounts. Are they being reported as open or closed? If you have an account that is "closed" or a loan that is "paid in full," your credit report should clearly show it. Make sure the balance is being reported as zero. Also check account information such as "date opened" and "date of last activity" for accuracy.
Finally, look for negative remarks regarding your payment history. Look for words like "collection," "charged-off," "not paid as agreed," or statements such as "30 days late." Make a note whether the negative statement is accurate or if you plan to dispute it later.
Follow these tips for checking your credit report:
Order your credit report from each of the three major credit bureaus - Equifax, TransUnion, and Experian. (See the information elsewhere on the page to learn how to obtain a copy of your credit report.) Three credit bureaus means three credit reports.
Check each one carefully. The credit bureaus don't always report the same information.
Make a different folder for each credit report. Staying organized will make the process much easier.
Be patient and thorough. Highlight any mistakes you find. Even one error can cause you to be denied credit in the future.
Highlight any information that looks suspicious or unfamiliar. Remember, you are also checking for signs of identity theft.
Check all dates very carefully. Even negative information can be removed if it is out of date.
Make sure the accounts listed actually are yours.
Find Free Resources and Programs For You To Fix Your Credit - Links For Credit Reports
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Need MORE Resources ?
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Use this site to find free and paid resources to fix your credit in Los Angeles. Explore links and check what advertisers have to say. Shop around for the best rates and deals. Click Below To Find The Best DEAL !
Free Videos To Get Your Credit Moving UP
I have collected an array of videos to give you FREE information on increasing your scores. They are Ad free and are meant to be used for your general information. I do not advocate or have any personal knowledge of how well they work. Keep in mind many of these companies may be scams - I would stick with my recommended credit repair companies as they are national and have better track records. These are for GENERAL INFORMATION ONLY !
Simply click on the link to get the video and push the "Play" button. Enjoy !
Video Librairy - Titles
How are credit scores determined ?
Answer - FICO Scores are weighted and structured this way:
35% by Payment History
30% by Balances Owed
15% by Length of Credit History
10% by New Credit
10% by Types of Credit in Use
Mortgages and Credit - What are the credit score
parameters or requirements for an FHA Loan ?
720 - 850 Excellent, A-paper credit, the "good-guy" rates available;
680 - 719 Good, not much of a compromise on rates;
620 - 679 OK or Fair, clearly in range for FHA consideration;
580 - 619 Low, bottom of the range for FHA consideration,
"alternate credit" comes heavily into play;
500 - 579 Poor, truly nothing can be done without credit rehabilitation.
What is the Best, Easiest, Fastest Step to improve your SCORES !
Use the link below to order your trial credit score and credit repair offers.
How To Get Your Credit Report For Free TWICE- Secret trick - Without A Trial Offer -
Only Here At Free Credit Repair ! Click the line below.
How do I get more than one free credit report, besides the free annual credit report service ?
The easy way to obtain up to three credit reports
this year is to place an extended fraud alert with Transunion or Equifax. They will then place an extended fraud alert with Experian. This way, you avoid having to file a police report. Experian will then allow you up to two additional credit reports at their website ! Click here to see a sample.
Click the Blue tabs above to the left or right to find special offers. < >
Click the Blue tabs above to the left or right to find special offers. < >
