1. Blueprint to follow to increase your credit score from 100 to 249 points in the next 90 days. “Credit Secrets Bible” has done all the research for you; all you need to do is follow one of the step by step techniques to boost your credit score almost instantly.
2. “Credit Secrets Bible” will show you how to sift through all your credit card junk mail and separate the scams from the offers that can get you thousands if not 10’s of thousands of dollars on low interest rate credit lines.
3. Why paying off your credit cards in full each month actually gives you LESS credit (learn exactly HOW MUCH to charge and HOW MUCH to pay each month to build your credit as fast as possible. Most bankers don't even know about this financial strategy!)
4. Step by step procedure on how to use alternative trade lines to build your credit and boost your score literally over night. This little trick alone is well worth the price of admission. Do you know that you have 3-5 tradelines in perfect standing that you can add to your credit report with one simple letter?
5. 2 step process to increase your credit card limits from $500 to $5000. Double if not triple your credit card limit with two 30 second phone calls. This can be repeated again and again until you have the credit line of Warren Buffet.
6. Details out the secrets of credit repair clinics and credit repair attorneys. Many individuals who have used this program are now coaching their friends and family and making a little bit (or large chunks) of side income along the way.
7. Software details out exactly where you should apply your money and pay down your debt. Load in your info and the software will tell you exactly where to apply your money saving tens of thousands of dollars over your lifetime. No thinking involved the software pinpoints exactly which credit card or other loan you should be paying down.
8. Exact letters used by credit repair industry professionals to eliminate items off your credit report. There is a reason why credit repair agencies do not share these letters with their customers. The “Credit Secrets Bible” has these letters for you. Edit to your particular creditor and put in an envelope and you are on your way.
9. Actual credit report samples which show you how to review your credit report and identify errors which are hurting your score. Using this and the pre-drafted letters provided and you are well on your way to cleaning up your credit once and for all. These are the same letters that $250 per hour lawyers send on behalf of there clients.
10. Identity theft has become all too common over the years and will continue to flourish as crooks become more and more sophisticated. The “Credit Secrets Bible” shows you how to protect yourself with 1 simple form from the government which nips any chance of identity theft in the bud.
Click Here! To read more about Credit Secrets Bible Take Control of your Finances Today!
Friday, May 23, 2008
Tuesday, May 20, 2008
10 Tips on how to boost your credit score from an Industry Insider.
1. First things first you need to understand what your credit report looks like is and to make sure there are no errors on your report. Go to www.annualcreditreport.com to run your credit report for free on all 3 bureaus. You will not get your actual score but you will be able to see your report and identify if there are any errors.
2. Check for errors. There are billions of people on this earth and it is entirely possible that your credit report has picked up some or all of another persons bad credit. You will then need to take immediate action and follow up with the agencies with a letter.
3. Pay off any and all delinquent accounts found on your credit report. Start with the most recent items and work your way backwards. The more recent derogatory items have a greater impact on your score and you will get more bang for your buck by attacking the newest items first.
4. Do not cancel out any old credit cards! This is the first step most uninformed consumers take and this has the exact opposite effect than what you are looking for. Pay off the balance and let the card sit in your sock drawer but do not cancel your card. In the eyes of the credit agencies they want to see a long credit history.
5. Pay your bills on time! This is not a secret but it is one of the most important tips out there. You need to place an importance on paying your bills on time. If you are serious about raising your credit score (and isn’t it about time you got serious) you need to make a commitment to pay all bills on time starting now!
6. Online Banking: I haven’t written a check in years. A couple clicks of the mouse and my mortgage is paid, credit card balance is paid in full, etc... Most banks have this set up for customers for FREE. You must take advantage of this feature. You can even set up reoccurring payments to pay your mortgage on time without even thinking about it.
7. Pay down your credit balances to 30% of the max limit on the card. The credit agencies look to see how much you have borrowed against a particular card and if you are getting close to the max it sends off red flags and hurts your score.
8. Do not open any new credit. Every time you open credit your report takes a hit (an inquiry) and too many of these inquiries can damage your score. If you are serious about getting your score above 700 you need to take a break from opening new accounts and focus on cleaning up what you have.
9. Live below your means! You will never break the debt cycle until you get serious with yourself and say this is what I can afford and this is something I will have to take a pass on. Don’t keep up with the Jones’s, with gas at over $4 per gallon that SUV your neighbor was bragging about seems a little silly now doesn’t it.
10. This is a repeat because it is so important. Pay your bills on time. All of them. Draw the line in the sand and declare to the universe that I (your name here) am a responsible individual who pays my bills on time and I deserve a fantastic credit score.
Credit repair is simple and will work but you need direction. Click Here! To get the #1 guide on how to boost your credit literraly overnight.
2. Check for errors. There are billions of people on this earth and it is entirely possible that your credit report has picked up some or all of another persons bad credit. You will then need to take immediate action and follow up with the agencies with a letter.
3. Pay off any and all delinquent accounts found on your credit report. Start with the most recent items and work your way backwards. The more recent derogatory items have a greater impact on your score and you will get more bang for your buck by attacking the newest items first.
4. Do not cancel out any old credit cards! This is the first step most uninformed consumers take and this has the exact opposite effect than what you are looking for. Pay off the balance and let the card sit in your sock drawer but do not cancel your card. In the eyes of the credit agencies they want to see a long credit history.
5. Pay your bills on time! This is not a secret but it is one of the most important tips out there. You need to place an importance on paying your bills on time. If you are serious about raising your credit score (and isn’t it about time you got serious) you need to make a commitment to pay all bills on time starting now!
6. Online Banking: I haven’t written a check in years. A couple clicks of the mouse and my mortgage is paid, credit card balance is paid in full, etc... Most banks have this set up for customers for FREE. You must take advantage of this feature. You can even set up reoccurring payments to pay your mortgage on time without even thinking about it.
7. Pay down your credit balances to 30% of the max limit on the card. The credit agencies look to see how much you have borrowed against a particular card and if you are getting close to the max it sends off red flags and hurts your score.
8. Do not open any new credit. Every time you open credit your report takes a hit (an inquiry) and too many of these inquiries can damage your score. If you are serious about getting your score above 700 you need to take a break from opening new accounts and focus on cleaning up what you have.
9. Live below your means! You will never break the debt cycle until you get serious with yourself and say this is what I can afford and this is something I will have to take a pass on. Don’t keep up with the Jones’s, with gas at over $4 per gallon that SUV your neighbor was bragging about seems a little silly now doesn’t it.
10. This is a repeat because it is so important. Pay your bills on time. All of them. Draw the line in the sand and declare to the universe that I (your name here) am a responsible individual who pays my bills on time and I deserve a fantastic credit score.
Credit repair is simple and will work but you need direction. Click Here! To get the #1 guide on how to boost your credit literraly overnight.
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