How can websites like 720ficascore improve your credit?
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Waste.\n\nAccurate is accurate. If it is paid you are better off leaving it alone and aging will take care of the rest.\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.
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Living with debt or bad credit can be very stressful, but help is closer than you realize. Improving your credit rating requires that you take positive action and change your attitude toward money. \n \n   \n  Steps:  \n1.   Request a copy of your credit report from a credit bureau. If there is an error, write to the bureau and ask it to fix the mistake. It might also help to contact the creditor who reported the error. Some creditors will contact the bureau on your behalf.  \n  \n2.   If the bad marks on your credit report result from outstanding debts, repay them as quickly as possible. Pay off those with the highest interest rates first.  \n  \n3.   If your debts are overwhelming, contact a nonprofit credit-counseling organization to work out a debt-consolidation plan. A counselor will help you consolidate your debts and will contact your debtors on your behalf to reduce or eliminate finance charges. This can reduce your monthly payments by up to 40 percent.  \n  \n4.   Steer clear of any services that offer you credit-repair or debt-consolidation loans. These companies will plunge you further into debt. Be suspicious of any company that advertises aggressively or sends unsolicited mail or e-mail.  \n  \n5.   Close your credit accounts and cut up the cards. Sell valuables or liquidate assets that will help you repay your debts. Buy the bare essentials (food and gas) and use the rest of your earnings to pay off your consolidated debts.  \n  \n6.   Work with your credit counselor to repay all of your debts. Meanwhile, live a life that will help you re-establish good credit. Pay rent and utilities or mortgages promptly, keep the same residence and job, maintain savings and checking accounts, set a budget and stick to it.  \n  \n7.   Once you have repaid your debts, apply for a new credit card to build a good credit history. It might be easier initially to get a department-store or gasoline credit card or one from an employee credit union.  \n  \n8.   Promptly pay off the balance of the credit card monthly to build good credit. Use the card responsibly.  \n  \n9.   If you don't qualify for a regular credit card, apply for a secured one. With a secured credit card, you fund an account up front and then "charge" expenses on it. This card will show up as a credit card on your credit report and, if used responsibly, can help you build a good credit history.  \n  \n  \n  Overall Tips:  \n Get a copy of your credit report once a year even if you think you have good credit. You may find errors that will damage your credit rating.  \n  \n Filing for bankruptcy is always an option, although your credit history will reflect it for 7 to 10 years, making it very difficult for you to get a car or home loan in the future.  \n  \n Creditors agree to reduce or eliminate interest rates under a debt-consolidation plan because it saves them the expense of collection efforts and increases their chances of recouping the balance.  \n  \n Every application you make for a credit card shows up on your credit report, and multiple applications can hurt your credit rating. To avoid this, use an online service that matches you with creditcard companies that will extend credit to you. Search online for "credit card finder" or "credit card search."  \n\nNo matter how bad your credit is, you can take steps that will make it better. \n  \n1.   Pay all of your bills on time. Late payments (payments that are 30 days late or more) have a negative effect on your credit rating.  \n  \n2.   Reduce the number of credit cards you carry. Write to your creditors to request that they close your accounts and report this status change to all three credit-reporting agencies.  \n  \n3.   Avoid bankruptcies, tax liens (a lien for not paying state or federal income taxes or property taxes) and collections. A bankruptcy stays on your credit report for up to 10 years. Collection accounts and paid tax liens stay on for seven years, and unpaid tax
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Here are a couple of things you can do to raise your credit score quickly. \n\n1) Have a relative with great credit add you to their credit card account. This can raise your score over 100 points instantly, and has not risk to them! Even though your relative can add your name to their credit card account, they don't have risk if they don't give you a credit card.\n\n2) Use your credit cards for monthly purchase, then pay balance down to zero every month. If you have the cash, this is a very quick way to raise your credit score. Remember, creditors cannot "see" your income from the credit report, but they can tell you have financial strength when you pay down your card balances every month. This technique can raise your credit score up to 80 points.\n\n3) Use time. Most people don't realize that a bad credit item has the most weight only in the first two months, then hurts your score even less after 6 months, and even less after 2 years. After 2 years, many bad credit items don't even hurt at all. I know a friend with 6 chargeoffs that are 4-6 years old and her credit score is 620, good enough to buy a house. Sometimes waiting even a month or two for a bad item to age is all you need for your credit score to bounce back. \n\nIt doesn't mean you are a bad person when you have a lower credit score. Bad things just happen. Good luck with your credit score!
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this might help..\nhttp://www.cardratings.com/lowrateplatinumcreditcards.html\nhttp://www.creditcards.com/
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Now you can completely ERASE your bad credit and smash\nall your debts using just 2 simple, "magic" letters!\n\nBOTH are found just inside "My FREE Credit Repair!"\n\nIn straight-to-the-heart-of-it, down-to-earth,\nrealistic style, Howard L. Moreland reveals exactly\nword-for-word, the exact 2 letters he's used to help\ncountless people forever fix their credit, and smash\ntheir debts! But now you can do it yourself FREE! (Just\nwith these 2 magic letters Howard gives you!!)\n\nHoward L. Moreland guides you through the entire\nprocess of completing each letter with the particulars\nof your own unique situation – just fill out the forms\nwhere he tells you – it's just that simple!\n\nHoward's NEW ebook is expected to take the Net by storm\nand surely shake up the world of credit and finance, so\nbe sure to be among the first to get your copy online\ncontaining these 2 very "secret" magic letters NOW! ...\nand before everybody else beats you to them!\n\nYou'll learn exactly what you need and only what you\nneed as Howard doesn't waste your time, but just gives\nyou instant, straight-forward directions showing you\nhow to erase all your bad credit & smash all your debts\n-- and for FREE since you won't have to use a so-called\n"professional!!"\n\nWith FREE ***PROVEN*** LETTERS you have absolutely\nnothing to risk and everything to gain, so find out how\nto get started right away!!\n\nTo learn exactly how Howard does it and how you can do\nit too, I HIGHLY RECOMMEND that you visit:\n\nhttp://MyNetMarketingCenter.com/r/freecredit/laitcaramel/
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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.
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http://www.repair-your-credit.jims-info.com/
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Since everyone who is going to offer you credit uses credit scores (many based on FICO), your best bet is learn how it works.\n\nThe link below has a lot of information about how your score is put together, and what you can do to improve it.  \n\nGo right to the source!
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you can get an awesome card that will help you increase your credit score (guaranteed) or help you establish credit on www.entrustsystems.com/wow
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People with best credit scores?
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This is an online simulator that lets you punch in variables to see how it will effect your FICO score.  I've found it very helpful & your score does quickly rise when you pay on time & more than the minimum balance on credit cards.\nhttp://www.providian.com/cmc/fico_simulator.htm
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go through a credit counseler to reduce intrest allowing to be paid faster and increasing score
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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.
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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
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In regards to Revolving Credit (Credit cards, etc.):\nPay down the balances to within 20-30% of your total credit limit. This should help to boost your scores. If you do not have the money to pay this down, call your credit card companies up and ask for a limit increase.. this will automatically allow your debt to limit percentage to lower.\n\nIn regards to Installment Loans: If you have ANY loans with high risk lenders (i.e. American General Finance, Well Fargo Finance or any other company with "Finance" in their name) pay them off quickly, or borrow from your local bank / credit union to pay them off if possible. Due to the risky nature of these lenders, the fact that you have this type of loan will hurt your scores. Paying them off will boost your scores.\n\nIn regards to credit mix:\nMake sure you have a balanced mix of types of credit... in other words, you should have 1-2 credit cards, 1-2 loans and possibly a mortgage. This shows good balance in credit and a healthy score should be given.\n\nOne last tip: Although they claim it does nothing to improve your score, mortgage lenders across the US have found that by requesting to Opt Out of the credit bureaus mailing lists (that they sell!) you may see a boost in scores in about 10 days... usually small, but it might push you over the goal you need. See the resources for the link.\n\nGood luck!
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Get a copy of your credit report.
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improving your credit takes time, the more payments you make ontime or early, the better your credit gets.If your looking to score some good poits, take out a loan, doesnt have to be too much, then make payments on it.