A borrower's credit score is a direct reflection of credit history. It is a quick indicator to a potential lender of a borrower's willingness and ability to repay debt. Borrowers with the highest credit scores receive the best and most favorable interest rates on loans. It is in the borrower's best interest to have the highest credit scores possible. There are numerous ways to legally raise your credit score.
Instructions
- 1
Visit AnnualCreditReport.com and pull a copy of your credit report. You will be able to pull one credit report for free per year by mandate of the Federal Trade Commission, however, additional credit reports, as well as access to your credit score, requires payment. You will have to enter your full legal name, social security number, date of birth and credit card information to verify your identity and log onto the service.
2Review your credit report for any possible errors. Check payment history, lines of credit, former addresses and any other names you went by (such as a maiden name) to ensure that all of the information is correct. If there are any errors, report them immediately to the credit bureau through the website.
3Note any negative items on your credit report. Negative items include collections, judgments, liens and bankruptcies. Remember that most lenders will refuse new loans to anyone with any of these items outstanding. Work to have these paid in full. While repayment of these debts will not remove them from your report, they will be marked paid in full, which is a better reflection on your score than an unpaid negative item.
4Keep all debt payments current. If you are currently 30 days or more late with any creditor, contact that creditor and work towards current payments. Attempt to have any late payments removed from your report by the creditor, if at all possible.
5Note your credit card and line of credit debt. If you keep your credit card and line of credit balance to less than 30 percent of the credit limit, you lessen the effect of the balances on your credit score. If your balance is above 30 percent of the limit, even if you pay it in full each month, the balance will have a negative impact on your credit score.
I had about 195k in debt. Most of it is my mortgage and 2 car loans. I was wanting to pay off the rest of my debt to make it easier to pay my car loan and mortgage so that my credit score can go high. All this debt did a serious harm to my credit profile, my credit score dropped to 526. I was at an all-time low, then ran to a friend and narrated everything to him then he introduced me to PINNACLE CREDIT SPECIALIST who happens to be a CREDIT SCORE hacker. Within 6 days, he raised my credit score to 802 across board and deleted all the debt from my credit report and replaced them with beautiful trade lines. I’m ever grateful and indebted to him for such a discreet service. WRITE HIM ON: PINNACLECREDITSPECIALIST@GMAIL.COM / TEXT HIM: +1 (872) 265 2951. And consider your job done.
ReplyDeleteI’m a 36-year-old software engineer living in the Midwest. Most of my early life I never had good credit. 3 months ago my credit scores were 580 low 600s. I was obviously not happy with those scores so I started to clean up my credit. Opened 2 secured cards; Discover IT for 200; Navy Federal secured for 250. Did the pledge loan as well; self-account, stellar fi, boom for renting reporting, cap one only a 300 limit. Asking a family member to become an AU on their BOA still nothing changed instead my credit score kept dropping. Thanks PINNACLE CREDIT SPECIALIST after reading so many reviews about them. When I got in touch with PINNACLE CREDIT SPECIALIST my story changed for the better. He helped me delete all negative items on my credit report within 6 days. My current score now is 806 TransUnion 811 Experian and 802 Equifax. Here is his contact info: PINNACLECREDITSPECIALIST@GMAIL.COM I proudly and strongly recommend PINNACLE CREDIT SPECIALIST service to everyone out there in need of a credit fix. He’s above the best and simply the best.
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