Is it safe to get credit reports and scores from annualcreditreport.com and myfico.com?

August 30, 2010 · Posted in Free Credit Report · 8 Comments 

I would like to get both my credit report and credit score from all three credit bureaus. I am willing to pay for them, but I want to be sure that my information will be secure. Are both of these sites safe? Which one is better? Thank you!

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    Experian deleted an item from my credit report. Does this mean I no longer owe anything?

    August 26, 2010 · Posted in Experian Credit Report · 4 Comments 

    I received my credit report from Experian and there was an item on it that showed I owed more money than I thought I did. I requested an investigation and the results said that that the item was deleted. Does this mean that I don’t owe the debt or does it just mean that no one will see it when they run a credit check? Also, do I need to dispute it with the other credit bureaus too?

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    What types of credit accounts are needed to get a high credit score?

    August 17, 2010 · Posted in Credit Repair · 11 Comments 

    I would like to improve my credit score (it’s about 615) in order to qualify for a mortgage with a low interest rate in about a year or so. I currently have an auto loan and three revolving credit accounts (all bank credit cards). Two of the credit cards are new and the other one is almost a year old. My auto loan will be a year old in a few months. Would my score go up if I apply for more credit? If so what type of credit? What is a good mixture of credit to have to get a higher credit score?

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    Little known secrets for improving your credit score

    August 10, 2010 · Posted in Free Credit Report · 6 Comments 

    What’s the fastest way to raise your credit score? To quote the classic magazine salesman from the movie Office Space “That all depends”…

    While the removal of negative items from your credit report will almost always result in an increase in your credit score, there is a method that works better.

    Here’s why. Adding positive accounts is actually more effective at improving your credit score (in the short term) than removing negative ones. Unfortunately, few consumers or credit repair companies know this.

    One of the biggest problems with trying to get approved for new credit is that you need to “have” credit in order to be approved. This causes a sort of catch 22.

    How does one “get” credit if no one will give them credit because they don’t have any credit to begin with? A vicious cycle indeed, but a real one. However, if you have someone you can use a cosigner this is NOT a problem. Simply have them cosign on the new credit application for you. If you don’t have a cosigner, read on.

    Contrary to popular belief (or what myfico and credit repair companies would like you to believe), the largest factor in building a solid foundation for your credit score comes down to two credit scoring factors:

    1.) The “High Credit Limit”

    and

    2.) Your “Debt to Credit” Ratio

    Your high credit limit is simply the total amount of primary unsecured revolving credit lines you have (i.e. three credit cards at $5,000 each equals a high credit limit of $15,000).

    Get it? Good.

    Your debt to credit ratio is simply the amount owed on these cards in relation to your high credit limit (i.e. if your high credit limit was $15,000 and you owed $7500 your debt to credit ratio would be %50).

    Keep in mind, your high credit limit is comprised ONLY of your total amount of unsecured revolving lines of credit. Home mortgages, auto loans, student loans, equipment leases and debit cards do NOT count towards your high credit limit.

    A debt to credit ratio of 25% or less is ideal. Of course, there are many other factors which come into play, but keeping it simple, how does one improve credit score via increasing their high credit limit and lowering their debt to credit ratio?

    That is the question….

    The fastest way we have found is by adding primary user unsecured revolving lines of credit which are guaranteed approval (note: these are NOT authorized user accounts!). These are unsecured lines of credit which appear on your report just like a visa card, mastercard or department store card etc.

    We have found that while unsecured credit is the most difficult to obtain, it has proven to be the highest scoring on ones credit report. To find out the fastest we’ve found to add primary unsecured revolving lines of credit to your credit report, please visit:

    http://www.CSBCards.com

    By opting in you’re receive more free valuable videos, reports and education on improving and maintaining your credit as well as information about our products and services. Your attention and support is appreciated.

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    I need a good credit repair company to help me fix my credit.

    August 5, 2010 · Posted in Credit Repair · 4 Comments 

    I want a credit repair company to help me repair my credit and raise my credit score. There are so many companies online but I don’t know how to make sure which ones are any good. Can someone help me choose a reputable company?

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