IMPROVING YOUR CREDIT

 

So far, we have covered what your credit score is, where to get your score, and how scores are calculated…. You are probably wondering how you can improve your credit score?

FIRST, IDENTIFY AND REMOVE INACCURATE INFORMATION FROM YOUR CREDIT REPORT

    • You should inspect your report for any of the following:

 

  • Accounts that are not yours.
  • Accounts that are incorrect (wrong balance, wrong credit limit, etc)
  • Outdated debts (negative items that are older than 7 years)
  • If you are an authorized user and the credit holder is behind on his or her payments.
  • Credit accounts that were paid but still shown as outstanding.
  • Credit limits that are not being reported accurately.
  • Any errors that require dispute.
  • Unauthorized inquiries.
  • Any inaccurate information that you find in your credit files will likely be lowering your score or preventing it from being higher than it is right now.

Therefore, your first step to improving your credit score is to plan which inaccurate information you need to correct or remove. The negative, incorrect, or wrong information can be disputed with each of the credit bureaus that are reporting the information. This is best handled with a well written dispute letter identifying the information that needs to be deleted or corrected and the reason why.

The Fair Credit Reporting Act (FCRA) permits you to make a dispute claim, requires the bureaus to investigate it within 30 days and either provide proof that it is your legitimate debt or delete the item.

This is how many negative items are deleted from credit reports like yours every day.

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Gold Plan

$497 Initial Fee and $397 a Month

  • $10,000 APPLICATION for TRADELINE.
  • COMPLIANCE CREDIT SWEEP.
  • CHALLENGE BUREAUS.
  • CHALLENGE FURNISHERS.
  • CHALLENGE CREDITORS.
  • CEASE & DESIST LETTER.
  • 24/7 CLIENT PORTAL ACCESS.
  • ASK ABOUT OUR PAY PER DELETION OPTION.
  • ATTACK CREDIT BUREAUS E-OSCAR SYSTEM.
  • METRO 2 COMPLIANCE / CHALLENGE OF 3 BUREAUS.
  • FREEZE LEXIS NEXIS, SAGESTREAM, CORELOGIC, ARS etc.
  • CHALLENGE BANKRUPTCY, REPOSSESSION, IDENTITY THEFT,
    EVICTION, CHILD SUPPORT & MEDICAL.

Silver Plan

$297 Initial Fee and $197 a Month

  • BASIC COMPLIANCE CREDIT SWEEP.
  • CHALLENGE BUREAUS.
  • CHALLENGE CREDITORS.
  • CHALLENGE FURNISHERS.
  • UNLIMITED INQUIRIES CHALLENGE.
  • ATTACK CREDIT BUREAUS E-OSCAR SYSTEM.
  • METRO 2 COMPLIANCE / CHALLENGE OF 3 BUREAUS.
  • CEASE & DESIST LETTER.
  • DEBT SETTLEMENT NEGOTIATIONS AND LETTERS.
  • 24/7 CLIENT PORTAL ACCESS.
  • 30 MINUTE BUDGET COUNSELING CLASS.

Bronze Plan

257$ Initial Fee and $157 a Month

  • YOUR OWN DIY CREDIT REPAIR SOFTWARE.
  • INCLUDING DISPUTE LETTERS TO BUREAUS, CREDITORS & LENDERS.
  • VIDEO TRAINING FOR SOFTWARE AND DISPUTING PROCESS INCLUDED.
  • ASK ABOUT OUR PAY PER DELETION OPTION.
  • 24/7 CLIENT PORTAL.
  • BONUS: HELP WITH READING AND UNDERSTANDING CREDIT REPORTS.
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