Credit score improvement agency?
369483
Please visit equifax.com. Purchase score watch and score power. It's really good. It's 7.95 per month. You can look at things and know your score at all times. You can see when changes are made to your report.
198473
Improving a credit score requires establishing good, clean, current, positive and active credit. This will raise a credit score as soon as it is reported to the credit bureaus and included in the credit file. Begin to pay all of your bills on time and start paying off old debt.\nLearn to manage account balances to maximize your credit potential. Credit scores aren't static numbers. Because they are calculated based on your current credit report, they change every time your credit report changes. While this change may be very slight, it can also be much more dramatic. Here are some things you can do to try to improve your score: \n\n•Review your credit report and correct any errors you find. Getting rid of inaccurate (and bad) information can sometimes improve your score dramatically. \n\n•Close any accounts you no longer use or need. This reduces your amount of available credit and can help improve your score. \n\n•Reduce your balances on credit cards to 75% or less of your available credit (30% is preferable). \n\n•Pay your bills on time. (This is probably the most important of all!) \n\n•Don't let anyone make an inquiry on your credit report unless you absolutely have to. The more inquiries, the lower your score. \n\nAlso, remember that some improvements -- such as better efforts at making payments on time -- may take time to impact your score. So, time is also a factor. \n\nIf you go to the bank for a loan and are turned down because your score is too low, your would-be lender will get a list of reasons for that low score. You can use that list to try to turn your score around. While nothing is guaranteed, since lenders can also use their own scoring methods, you certainly can't hurt your score by taking any of these steps. \n\nThe key is to get credit only when you need it (unless you're trying to establish your first credit), and then use it carefully and make your payments on time. Remember not to max-out credit cards. \n\nIF you want additional help go to the source web site\ntell them Kay Weber sent you
412198
Since you saying you want to improve it, would that mean you already know what your credit score is and that you need to address it. \n1) If you have charge offs, you need to get them satisfied. Once you have, request a letter of satisfaction from the creditors. These letters will be worth more than gold to you in the next 7 years. So keep them in a safe location so you can present them if requested or if you have to dispute those charge offs. This also go for judgments and any collections.\n2) You need to re-establish your credit history. If you have applied and been denied credit, then your only alternative would be a secured credit card. You will have to supply a deposit for collateral, however you should be able to obtain one. Again, don't have a balance more than 50% of the credit limit, and always pay the minimum each month. You should have 4 trade lines (credit cards). I would not suggest that you get a department store credit card since most of them do not report to all three credit bureaus. Also it limits your ability to use them since you can only use them at the store that they belong to. \n3) Do not have your credit report pulled after you have set up your credit cards. If you are interested in knowiing your credit scores, you can always to Equafax, Extperian, and Transunion's website have pay for a FICO report that will not effect your score. If you get your credit pulled from lender, they might not tell you where you stand on the score and it effects your score at the same time.\n\nHope this helps.
763544
Credit repair services are a hoax.  Avoid them.\n\nCredit counseling services, however, aren't about your FICO, but about debt reduction. Some of these have a bad reputation, too, so only use them as a last resort and read all of the fine print.\n\nThe only way to improve your credit is to start rebuilding it over time. Get a low-fee secured credit card. Pay it off monthly, and let time heal your credit.
501743
Have them run their own credit report at www.myfico.com and ask for a copy of it.  This also gives you the credit score and it pulls from all three credit bureaus.  It costs $12.95.   Or, they can write away for copies from all three bureaus but that will take a couple of weeks.  \n\nYou are smart to do this, by the way!
23298
The best way to increase your credit rating is to pay your bills on time.  If you are currently in default on any accounts, try to get caught up as soon as possible.  You can check your credit report for free once per year at annualcreditreport.com but that will only show you the information that is appearing in your report.  If you want to check your credit score you will have to pay a small fee (usually around $5 per credit bureau).
1082533
Getting additional credit and making the payments does not necessarily improve your credit score.  Generally, you will want to pay off credit and reduce the amount you borrow to improve your credit score.  Also, it depends on how you make your payments between now and March 2007.  If you make your payments, and do not take on any additional credit, your score could improve.....I would need additional information on your existing credit situation to be sure though.
1103852
check out my profile and use the link\nit takes you to a company that compiles banks and lenders for people with bad credit\nit also provides a credit repair kit help to get that score up
281119
You must first understand how your credit report and credit score is figured out.  Go to the links below and learn about them.\n\nYou already paid off your debts, which is great.  But you made a mistake in not getting an agreement from your creditor to remove any bad reports off your record.  \n\nThey may still do it for you if you ask nice.  Ask them to change the account to "paid as agreed" or at lease remove the negative report from the records.  \n\nBy fixing any negative report it will help to improve your credit score.\n\nNext, study the MYFICO site and understand how your scores are calculated.  Then take the tips they give in improving it.  \n\nIt will not happen overnight.  There is no magic bullet that will fix it.  \n\nAnd don't fall for the claims from Credit Repair Agencies that they can fix it either.  They will do the very things I've mentiond, but charge you a few hundred dollars.\n\nGood luck
1084346
For the most part, it doesn't matter what country you're in. The only thing that can improve your credit rating is time and better credit history. Make your payments on time. Make extra payments when possible. Call your creditors to see if they can help you by lowering your interest rates and refinancing loans for a lower cost. My husband and I had BAD credit, and this was the only thing that could help. If you file for a bankruptcy, that will be on your credit for several years and will look worse to possible creditors than the fact that you are trying to dig yourself out on your own. You made the mess, no you have to clean it up. I know it sucks, but it's true. Make sure you keep accurate records so that when you finally pay a bill off, you can contact the credit bureaus with that information and get the bad info off quickly. We did this and we were able to buy a home, a new car, and a motorcycle within a year and a half! Good luck!
215461
It will take several months to a year to get your credit really improved. Be careful of using a company who says they can raise your credit score. Cause legally they cant. Only you can. And while paying them large sums of money, you can dod it yourself for free. Depends on the elbow grease your willing to give. Check it out. There really is no super fast way to do it. But the best and probably quickest way would be to go to Annualcreditreport.com and get your free 3 credit reports. Then go through them and dispute the negative items on your report that dont make valid. Even if unsure, do so anyways because it becomes the responsibility of the creditor to prove that the information is accurate. If the creditor doesnt respond within 30 days the negative item has to be removed by law. In which removing a negative credit report item raises your score. Also, finding your most recent and lowest balance debt and offering halve of what you totally owed for it. Most creditors are willing to do this if your account has been way behind for a long time. Because now they're just worried about getting any money from you at all. Same is 100% true for collection agencies whom took over your bad debt. Offer half and no more. Ask to include in writing and mailed to you that they will remove negative from your credit report in terms of full half-amount payment. That raises your score. Other would be as suggested to get a secured credit card and just use it for gas twice a month or something small. Dont use it for anything else! Thats how you get screwed up again. Make the payments on time...everytime. This will start to show up as a positive item in your credit report and by showing a low balance on you card (30% or less of high limit) will show you can be responsible with your credit and thus create a higher score and higher opinion of a future creditor...such as an auto financer. Heed this and Hope i was of some good help to you. Good luck. Shuuutnstr =o)
146481
Yes there is. This is an attorney I use check it out http://www.bradleyrosslaw.com/.  You can also do it your self just do a search on credit repair and you will find that there are many books on the subject.  I would also suggest that you start building positive credit with a secured credit card.  Once you get it don't ever go over 50% of of the limit, this way you credit score will be higher.
969403
There are many options available. The credi scores will diictate what rate you get...and these scores can be improved in less thn a week if they need to be.\n\nI write a blog on the subject of credit management, mortgages, real estate trends, etc. Check it out for more information that may be helpful.
594249
Pay your bills on time.  Yes, it's obvious, but there are no hidden secrets to improving your credit score.
587402
Ha ha that guy was funny!  Anyway..........I went on myfico.com and paid the $50 or so bucks to order all three credit reports.  It will show you what is on your reports.  Then it has an interactive area where it can give suggestions on how to improve your scores.  For example, it showed me that if I paid off one of my credit cards, it would raise my score 100 points.  I did and it worked.  I also found several discrepancies on my reports and the program generates a letter for you to each agency telling them what you want to dispute and most of the times they will just remove the item from your report, raising your scores.  After fixing several things on my reports, my scores jumped.  I bought a house the first time I applied for a loan, just after a year of working on my credit scores.  You also need to get references so make sure you are being a good renter!  A little prayer wouldn't hurt either.  Good luck and God Bless!
886122
No.  Most of those websites are scams.  They take your money and do nothing for you.  The reality is that noone can fix your bad credit except you.\n\nThe few websites that do help with this still have you do the work, they just provide you with the info.  Below is some info on how you can fix it yourself.\n\nFirst off, request your credit report (you can do it for free on the link below).\n\nOnce you go through your report, highlight those accounts that are bad.  Do any of those not belong to you?  Contact the credit report company and ask them to remove it from your credit as it does not belong to you.  Those that belong to you should be isolated into two categories:  Those you can pay off, and those you can't.  Contact those you can pay off and let them know that you will pay them off.  Ask them who to send the payment to, and ask that they remove the negative report since you will be paying them off.  Tell them you will not pay them unless they agree to remove the negative report.  They will.\n\nNow comes the hard part. Contact each and everyone of the bad reports that you can't pay off and negotiate with them to see if they would be willing to take a partial payment for the whole sum.  Let them know that things have been difficult and that you are considering bankrupcy, but that you would like to settle your debts with them before that happens.  As before, ask them to remove the bad report as a condition of paying them.  Most companies will take a partial payment over no payment.  This takes finesse and persuasion.  Always ask for a supervisor when you call as they have the authority to negotiate an account.\n\nLastly, guard your credit.  Get a secured credit card through your bank and make a very small purchase each month and pay it off each month.  A history of purchases and timely payments will improve your credit over time.  There are no quick fixes, so beware those who offer them.\n\nBest of luck.
243968
Here's some more good advice from Credit Guru...(my hero!)\n\nThere are no places that offer free credit scores.  You will have to pay for them.\n\nThe sad part is that each of the credit reporting agencies have slightly differant systems of calculating them.  \n\nIf you go to the site that developed the FICO scoring system, they have a calculator that will estimate what your score is.  It's free but won't be totally accurate.\n\nOr, at the same site and for $49.95, you can get the credit score for all three agencies.  \n\nThe nice thing about this site is not only will you get your credit score, but it will also show you the reasons it's low and how you can improve it.  I guess that's worth the high price tag.\n\nGo to the site, read up, and make a more educated decision of what you want to do.