Free credit score tips
You don’t need credit repair services or a lawyer to improve and correct your credit scores. It all can be bone by you, its easy and very rewarding.
Awareness is they key to great credit scores.
1) Do not allow any bank, loan officer or realtor to pull you credit unless you certain that you and going to do business with them.
Each time a creditor pulls you credit you lose points, the best solution for this is to go to www.myfico.com or http://www.annualcreditreport.com and pull your own credit with scores, this way you can tell the loan officer what you have and he can quote you base on what your score are.
2) Do not dispute anything on your credit if you’re Appling for credit.
Disputing items on your credit report temporary brings down your scores until the dispute is resolved, normally in 30 to 45 days.
3) Check your credit card balances and bring them down to under 55%
If you have a credit card with $1000.00 limit and you have a balance of $600.00 because you owe over 50% that brought down your score. Paying over $120.00 bring the account under 50% and could raise your score as much as 20 points.
4) Do not close any credit accounts.
Scores are base on what you have available vs. what you owe and if close the account your credit availability will be gone.
5) If disputing items on your credit, send a disputer letter rather then disputing online.
When disputing online the process can take longer up to 45 days, but when a dispute is done be certified letter it only take about 30 days.
You can also get your credit report and score straight from each of the credit bureaus
More on credit scores Click here!