rysmlz asked:


There’s a credit score commercial and they said that bad credit scores keeps you from getting a job. What in the world? That’s like discrimination of some sort. How do you improve your credit score if you don’t have the mean to improve your credit score?

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justellemJimsaidhello asked:


I have about 5500-6000 dollars in debt to pay off and it is effecting my credit score BIG TIME!! I am planning a way to pay it off myself by the end of this year. How long will it be until my credit score improves? How high can it improve and will old credit history/scores show up on a report in say, February?
In addition, my car was repossessed in Nov. 2005. The rest of the lease payments were payed off. Can this be taken off of my credit?

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Kayla is fine now =) asked:


Hey everyone- I have another question about credit. I’ve just paid off 2 major things on my credit report and mailed them to all three credit companies. My question is, does anyone know if this makes your score go up? And when you pay your car on time, does it automatically go up? If so how much?. Any answers will help I’m trying to improve my credit..

Stanley

Credit Monster asked:


The first thing you need to do in order to improve your credit score is to find out what information the credit companies have in your account. Once you have all the information you can devise a plan on what to do to increase your score. There is no better place to find out the information from the credit companies than www.creditscoremonster.com.

There is no sure fire way to increase your score quickly but there are things that you can start doing immediately that will help in the long run. One of the main things that you need to do to increase your score is to start paying your bills on time, every time. Remember that some companies have grace periods but they vary and they may report a late payment even though it was only a day late. This is why it is critical to get your payments there on time.

Keeping your account balances low will also help increase your score. One trick that you can do is to move your balances around and spread the debit among all your credit cards. It does not help to have one card almost maxed out and several cards with no balance at all. Evening out your usage is beneficial when calculating your credit score. You are not spending less just spreading the debit out.

There are some common sense ways to improve your credit score. One for instance is to pay down your debt. This does not mean closing out accounts. You do not want to close your accounts, just pay them down. When the score is calculated it looks at how much available credit do you have compared to how much credit you are carrying. If you close accounts it reduces the amount of available credit to you so the same amount of debt effects the calculations differently.

Fix the errors you have found on your credit reports. Look for accounts that aren’t yours, late payments that are not late and debts that you have paid off that were not removed from your account. Some companies are quick to report deficiencies to the credit companies but take their time removing bad marks from your record. It is up to you to watch this and ensure that your information is kept up to date and clean. You do not need to hire a company to help remove bad items from your accounts. Credit Score Monster has links available to start the process of contesting items on your reports.

Remember the first thing you have to do in order to clean up your credit reports is to get that information in your hand. Without know what your scores are there really is no sense in trying to clean up your records. Purchase your three credit reports from Credit Score Monster to get you on your way of increasing your credit scores and ultimately saving you thousands of dollars on your next major purchase.



Marvin

CreditSecretsBible asked:

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Audrey

Scoremore2 asked:

http://www.ScoreMoreCredit.com - Credit expert, Brian Diez, reveals how the credit bureaus profit by keeping you confused about your real credit scores. Credit repair does work if you use an expert that understands the credit system. Repair your credit and improve your credit score as much as 249 points in as little as 45 days!

Karl

vjaso asked:

In a world of tighter credit, having a great credit score is one of your biggest assets. When purchasing a home, it could save you tens of thousands of dollars on interest costs. Credit scores are used for a variety of types of borrowings such as credit cards, lines of credit and auto loans and leases. Click on the image or here to launch a comprehensive video on how to improve your credit score.

Ernest