My Score Raised almost 200 Points in only 71 days!! Learn more...

Self Credit Score Repair Popular Tips

1. The first step in Credit Report Repair is obtaining your current credit report and score from all three major reporting agencies and pouring over it in detail until you know it well. Obtaining your credit report is simple once you know the different avenues to take to get yours...
   
   
   
2. Make sure to know your debt to credit ratio and keep the percentage correct for your balances in order to raise your credit score. Most people are not educated when it comes to their debt to credit ratio and underestimate how important it is to their overall credit score. Americans tend to have a debt to credit ratio that is too high and do not understand how to show potential creditors and lendors that they are able to keep revolving balances and continue making payments with the proper ratios...
   
   
   
3. Using a credit repair book or audio program can be a terrific way to educate yourself on your credit report and enable you to fix your own credit report score. Most credit repair books and programs promise unreasonable things..."credit fix in only 48 hours", "send two letters and raise your score 200 points!"...... There are many cheap books out there..make sure to do your research and find the right one to really do it yourself and fix your credit. Only one stands above the rest and has been around since 1994......
   
   
   
   
4. Sub Prime Merchandise Cards can be an excellent way to build additional credit and keep your debt to credit ratios at the levels needed for some people. This can be a cost effective tool for consumers who need to increase their credit limit or history to improve their score........
   
   
   
   
5. Remove negative items, collections or negative item from your report by making sure that the facts are undisputable. The credit report can only reflect what can be PROVED TO BE ACCURATE under the FCRA guidelines. These guidelines were set up to protect the consumer, not the credit reporting agencies...............