Credit Score!!

[alex768g]

how to increase your credit score, this question is worth thousand of dollars, and i try to explain from basic to advance level how to increase your credit score! many people is strugling all the time and ask the same question over and over again the question is how to increase your credit score!, I know I am reapeating myself but this is true, people dont know how to increase their credit score, and is hiring a layers that specialize in increase credit score after bankrupcy, remove late payments, and remove buddies that appear on credit report! this is not the way that people want to hear! people need to work on their own to increase their credit score save money! if you want to spend $1000 for a layer advise or 10 thousand dollar to repair your credit score you better to pay off your debt by having debt consolidation plan or use debt settlement agance instead of giving a lawyer those money! Lawyer can't do anything more than you can! you need to negotiate with a creditor such as credit card , loans, banks, financial institution to lower intrest rate on you credit card or loans!, if you tell them that you have good credit score and you want to pay interest rate lower they will listen and understand this and lower you interest rate! this is real work and if you have lower interest rate you can save some dollars on crazy interest! Some people paying over 22% in interest and dont care that they spend lot of money in Interest payment! they only want to pay it off how to pay it off if they dont have a money to pay it off at all? that why people are borrow more and more and more money and dip themself in more debt! stop this, you better cut spending that live without home later on! You are working hard to have something in life and then you want to loose your home? Why? because you were spending too much in your younger life? This is not how supposte to be! you need to know how to manage financial life! I was in financial trouble few years ago and I know how to increase as well how to decrease credit score! First you need to remeber that if you are late on your payment you credit score will just go down 200 point, yes I know you think Just? go down 200 point? never ever and remeber rule number 1 never be late, rule number 2 never be late, and rule number 3, look at rule number 1, and 2!, remove inquire that dont belong to you this will increase some point i will pay 2-3 point per each inquire this is good if you are seeking few more point!, pay off as much as you can and then dispute your balance so that creditor need to update your balance in system and your credit score will increase. Also dispute any items that is appear on your credit score, Credit score is very imporatnt aspect in your fianncial life! So please keep going up dont give up, if you credit score drop down! Remeber in order to be sucesfful in financial life your credit score need to be higher!!!

[frank21s]

As Alex say increase your credit score will help you achieve your financial goals, you need to consider payoff your consumer debt instead of taking next vacation. Please payoff your mortgage if that only possible instead of buying a expensive yacht! Don't be fool you know that debt is not good and if you skip or refuse to pay your obligation you will not win, you will make yourself into financial trouble!

[spiderman]

I have delete inquire from my Equifax credit report and payoff my debt and my credit score increase 40 point! I have simple call customer services and tell them that I want to payoff my debt they ask about my account number and I have give them all those information they withdraw money from my checking account and I have call credit report agency that I have payoff my debt. Credit report agency update a report and sent do creditor and credit score agency and now I have MYFICO credit score 790! this is great!

[dogman]

I have apply for private loan with bank of america because they have give me good atractive interest rate 7.9 % and say this is good rate because you have excellent credit score but what they have not tell me that there is addition 3% balance transfer fee it mean that you recieve a account and in this account you have $5,000 to spend depend on limit you recieve and you spend those money and you have to pay 3% balance transfer

[money]

If you dont have good credit score you will need a referal from somebody who will cover you. You need a co-signer that will tell bank if you don't pay those bill on time co-signer is responsibility to paying those bills on time and remeber if you co-sign somebody bills you are fully responsible to pay those bill if now your credit score will go down

[forexman]

Never co-sign any credit card applilcation or any loan application because if someone not pay on time you are going to have big financial trouble, as I said cosign is not worth and I am not recommand anyone to take this action

[worldman]

the best option to increase your credit score is to stay on your bill current, stop paying things that you dont need or will use, stop increase your debt and payoff your debt, settle your debt with creditor and start to increasing your credit score by taking secured credit card. Take consideration to get new secured credit card the best one is bankof america but I complain on those bank a lot because they customer services is really suck slow as hell

[beatasmieszna1]

Paying credit card repair services is worthless then promise to remove your late payment or deregatory account but they can't do anything more than you can do yourself, you can save yourself hundreth of dollars write a letter to company and explain your sistuation they may remove your inquire try with dispute letters

[pranith]

remember i think in your mind that you have to never co-sing the credit card application or any loan application because if they dont pay the amount in time then you have to face a great finanical promblem.

[eva]

The best way to improve your credit score it to actually know where you standing now, after you find out your credit score only check fico not fako as fako is generic try to remove inquires first.. as inquire take 5 point of your credit score.. each inquire remove late payment and of course any derogatory information that appear on your credit score! then buy a credit report and check what left to repair!