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