fix credit score online

HailieBabie asked:


I have recently been fixing my credit and I am still in the process. My fiance and I want to buy his parents house for about 140,000ish…give or take a little. I make about 28-29000 a year and have been at my job for almost 3 yrs….he however doesnt have that stability and only makes between 9-13000 a year…. Do you think that we have a shot at getting the house…and is there anything special that we can do to get the house being that we are trying to buy it from family and that this would be our first time buying a home.

Mario

dtrain66 asked:


I just found out my credit score is now below 500. I had some financial difficulty over the past 2 years. I am currently on a debt management plan and I am making on time payments but I am scared that my credit is never going to get back to the 675 score I had before any suggestions. besides those companies that seem a little fishy. Or can someone tell me if my credit will fix itself by making on time payments

Allen

Mike Samadi asked:


(Copyrighted Material)

Are you tired of throwing most of your income towards interest rate and fees on credit cards, auto or mortgage loans?

Do you have interest rate of over 11% for auto loans or credit cards?

Is your mortgage interest rate several points over the federal lending rate (interest rates over 8%)?

Do you have a judgment on your credit report?

Are you hanging on the ballet, counting days to file bankruptcy?

Is the IRS or your state department of revenue repeatedly sending you letters, demanding money for back taxes, interest and penalties owed?

Is your auto on its last leg and you don’t have the money or credit to fix your transportation?

Are you unable to get a loan because of your credit report – credit score?

Are you being repeatedly denied loans for auto, home or business?

Are you pulling your hair, not knowing what to do – paying so much to the so-called credit repair companies -waiting months at a time hopping they will fix your credit one day?

Then, you need to take a step forward, admit (to yourself) you have a major problem, stop being depressed, STOP BEING EMBARRESSED, take the initiative to fix your credit and learn how to keep your credit in a good shape for the rest of your life. If you think it is embarrassing for someone to know you have bad credit then, think about the embarrassment you’ll face when you lose your car through repossession or home in a foreclosure. When you do your own credit repair or ask an expert, how will you get embarrassed? You are taking a step to improve your life. If you think someone may look down at you, then guess what, that person jealous of you. No one around you (family or friends) knows what you are doing and who cares if a stranger knows. You will never see or hear from the stranger you bought a book from. Plus, a lot of people buy all sorts of book to learn more or to add on to their library. Just because you pick up a book, the whole world doesn’t think, OH! You must have credit problems. I know quite a few people who have credit score over 800 and hundreds of thousands of dollars in their accounts yet, got a copy of my book. In fact, an attorney out of N.J. purchased my book and placed a review on couple of sites (where my video was viewed and the site my book was purchased).

There are four (4) groups of people in this world. Let’s see what group are you in.

The first group of people is the blamers. The ones who love to cry on other people’s shoulder blaming everybody else for their down falls. Let me give you an example of what this group does. They claim it was their spouses, roommates, girl-boy friends, family members or the neighbors that caused their problems. As a result, they won’t do anything to fix their problems, expecting the person who created the problem should step forward and fix it.

The second group is the procrastinators. This group, will never take any initiative and they wait and wait, counting days saying to themselves, “I am going to start after” my birthday, wedding anniversary, the holidays, the child’s birthday, and a long list of excuses. However, that day comes and passes by and this group never starts.

The third group believes on “uncertainty.” This group wants to do something but not sure how to do something and the suspense of what the result is going to be eats them alive. Therefore, they will never start; because, they are waiting for someone to hand feed them, take their hands through every step of their lives. They think because there was always someone who was doing the work for them, there is no need for them to do it themselves. They say, “I want to do it, I never done anything myself. Even if I did something, someone had to show me. I can NOT do it by myself…” This group will also not succeed because they have the negative thoughts built-into their behaviors/minds also.

The fourth group is the block builders. This group can solve any problem at anytime without instructions and are ready to take on any and all tasks with a little or no push. These are the go-getters in our society. We can throw any problem in their path and they will find a way to overcome the problem. Most of these people don’t even need instruction manuals to assemble or disassemble anything. They will figure out on their own and possibly even find a shortcut that would work better than the manual that accompanies the item. These people don’t understand the word “NO.” They don’t know the word “impossible.” They can’t stand discouragement or discouraging people. Everybody else calls them “very smart,” “brilliant,” “responsive,” “determined,” “persistence,” “relentless” or a long list of other names.

Okay. How are YOU called? What group are you in?

At the same time that you want comfort in your life, you must understand what makes it happen. There is nothing wrong with wanting a better vehicle (a good transportation), a place you can call home, good furnishing – whatever your heart desires. However, these come at a cost. The cost can either be the high interest rate and unreasonable fees you pay for the loans you receive, be denied repeatedly for the loan applications you submit, or simply take the appropriate measure and do credit repair so that your financial trouble could go away.

If you haven’t learned yet, your credit “IS” your life, you MUST fix your credit now. You must learn the true trick of how to repair credit, improve your credit score, manage credit and money and turn your mess of finances around. Do the credit repair yourself and be proud of your own accomplishments.

We understand that you may not know how to begin or how to overcome a situation when you are stuck. That’s why we are here to help. First we have published books that teach you every step of self-credit repair. The books also teach you money and credit management (after credit is fixed). These books make you independent. You will NOT need anyone’s help. It requires your own motivation and determination. However, if you get stuck and need a hand, a push or a direction; we are also here to help you with that. Our website is available to answer most of your questions. Others asked us questions and their answers were provided to them (without mentioning their names). There are Q & A and comment sections on our website designed to help you with your needs and help push you go forward.

Whatever you do, please don’t sit and wait thinking that a “credit fairy” will drop on your lap and your credit repair is going to be automatic, without you taking any steps.

The groups “procrastinators”, “blamers” and the “uncertain” will never accomplish a task or complete a task. You can be like them and continue feeling sorry for yourself for the rest of your life. However, after a while, cry-wolf will lose its affect and situations won’t get any better (if they don’t worsen).

As the title of one of our book says, “Bad Things Happens to Good People.” However, those good people make their mind to change their life styles and won’t allow the trouble of the past be a burden for their future.

Therefore, my dear reader, I ask you to start now, take a step forward, go to the website link, read the existing questions and answers, post questions, look at the books (pick up a copy of the books) and initiate your credit management repair now.

God Bless.

You can go to my website and post your questions. Your personal information will remain confidential and is NOT sold or shared with anyone else.



April

Ryan asked:


If you are preparing to raise your credit score, there are certain strategies you can do to if your bad credit in as little as 30 days. In some instances you can raise you score 100 points or more within 72 hours. How you go about doing this depends on what your credit report currently looks like.

The first step to fixing your credit is to download a copy of your credit report from the Annual Credit Report website. If you are working to raise your credit score because you are planning on applying for an auto loan or mortgage in the near future, it is recommended to review your credit report from all three credit reporting agencies – Equifax, Trans Union and Experian. The information on all three of these reports will slightly vary.

If you currently have a below average credit score, some of the raise credit score strategies that you are recommended will have a greater impact than if you have a good credit score. For example, one quick fix is to reduce your credit-to-debt ratio. This is the total and individual amount of credit that has been extended to you, compared to how much you actually use. A credit card with a $5,000 credit limit with a $2,500 outstanding balance, for example, would equate to a 50 percent credit-to-debt ratio. Ideally you want to be below 30 percent or this will affect your credit score negatively.

If are currently maxing out your credit cards, then reducing this ratio just a bit could immediately improve your credit score by as much as 150 points, If, however, your credit-to-debt ratio is less than 40 percent, reducing this ratio will not have much of an impact. This will get you started, but there are plenty of raise credit score techniques that will allow you to significantly increase your credit within 30 days.



Gertrude

alley792001 asked:


I found out my credit score is 569 to get a home loan from my bank it has to be at least 585. I was approved for a loan for a trailor but decided to get a house instead well the guy from the trailor place said that I had a $63 charge that just showed up on my credit report and if I paid it off my score would go up to at least 600. Is this true and if so how long does it take to show on my credit report that I paid it. Right now I have no idea what it even is so Im gonna get my credit report and see if it is even a legit charge. Thanks

Jay

j0b0123 asked:


Everyone needs credit – whether you think so or not.  These days you can’t do much without a credit card of some kind.  It is nearly impossible to rent a car, book airfare or a hotel room, without a credit card of some kind.  That is why it’s important to stay on top of your credit rating and do what you can to improve it.  The reason most people do not is the rules that govern that little number are never actually revealed – most people only learn the hard way when they do things to push that number down.  It would be nice if they actually taught you about how credit really works in school, but it just doesn’t work that way.

 

The first thing everyone should be doing, at least every few months, is order a copy of your credit report.  Order it directly from one of the 3 main credit bureaus – do not order it from a third party unless you know and trust that company.  There are tons of scams out there, so you have to be careful.  Once your data is leaked or stolen it’s a real pain in the you know what to undo any damage that might be done.  And on top of this, the worries can go on forever, because the data on the internet lives on and is resold to other criminals.  Once you have your copy, look at every item on it and make sure it is actually accurate.  Meaning all open accounts you recognize and know, the reported balances are correct (mistakes do happen), and there is not stuff on there that should not be.  Usually factual mistakes are easier to clean up (misspellings, wrong balances, closed accounts that are listed open etc).  If you discover any of these, you will need to write a letter outlining the issues and mail it in.  This is stuff you can easily do yourself, and repair your credit problems that are due to clerical issues.

 

A second thing you can do, is to put ALL of your recurring payments (mortgage, credit card, car payment, HOA fees, insurance …) on auto pay.  Most banks now have online banking free of charge.  Most credit cards allow you to setup auto pay for free.  This will 100% insure that you never have a late payment on these.  This is the easiest thing to have happened to your credit report, often just a mistake in forgetting to mail it by the due date (or sometimes the due date shifts from month to month, credit card companies LOVE to do this).  Additional tip – look on your credit card statement.  There should be a billing cycle from date A to date B.  This billing cycle is usually uniform, its the due date that fluctuates.  You want to try to have your auto pay submit the amount due BEFORE THE END OF THE BILLING CYCLE.  This date is also when interest is computed on outstanding balances for the month, and it’s the dollar amount that is reported to the credit bureaus.  This is a good way to get your credit score higher.

 

A third thing to do, is on all credit cards, always pay more than the minimum balance due.  If the payment is 68.00, send in 75.00 or 80.00.  Obviously, it’s in your best interest to just pay off the whole thing as soon as possible.  But – you will get a better score if you don’t pay off your cards in full every month.  Take 3 months to do it – the minor interest you pay is worth it to show you can carry a balance, pay on time AND then pay off the card.  Do this several times and you will start seeing nice increases in your limits.  This seems counter-intuitive, if you charge 1k then pay off 1k you would think that would be idea.  But in the crazy world of credit, your card always shows a 0 balance so it’s like you are not really using the card.  You are actually penalized for being a responsible person.  No worries just vary the cards you use, keep a balance for a few months then pay in full and you are home free.  You will boost your credit score nicely by doing this method.

 

A fourth thing you can do, once you have good credit (720++) is to apply for an unsecured line of credit.  This is not a credit card, its a line of credit that you use checks to access.  You don’t want to use this, you just want it open.  Almost always its free to keep open (no fees).  The reason you want this is almost always these are computed with SIMPLE INTEREST.  Credit cards are always compound interest.  If you don’t know the difference between simple and compound – its rather easy.  Compound interest charges interest on interest.  Meaning if you carry a balance of $10,000.00 and the annual rate is 12% per year, which means its split into 0.12/360 percent interest PER DAY.  So compound interest will accrue today, then this is added to the balance and tomorrow, the interest is computed on this new balance.  Over time it adds up to a huge difference.  Simple interest is just computed once a month on the balance outstanding.  I do not know if there are any simple interest credit cards, but I have not heard of any.  The reason you want the credit line open, is if you get a balance on a higher rate, compounding card, you can transfer the balance to the credit line and pay significantly less interest.  The credit card balance goes to 0, and you pay off the credit line per month.  You just have to be careful with this method not to fall into the trap of paying off the credit card, then while still paying off the balance transferred to the credit line, you start running up a balance on the card again.  This requires discipline, but is a decent method to save money.

 

A fifth thing you can do is to make sure no card goes above 50% of the outstanding credit limit.  This is something else they never tell you.  They give you a credit line of $10,000.00 but if you use more than $5000.00 of it, your credit score goes down.  It does not matter if you pay more than the minimum, pay on time, never miss a payment etc – your credit score is dinged.  The more cards you have in this situation, the worse off your score is.  The terrible thing that has been happening lately – someone has a $25000.00 limit on a card – they have charged $7000.00 they are paying off each month, well below the 50% threshold.  The card issuer decides to arbitrarily cut everyone’s limit to half of what it was before.  Now you owe 7k on a card that has a 12k limit AND your credit score gets dinged.  This happens regardless of anything you did.  It has nothing to do with you paying it or not, its an accounting measure.  The only remedy here is to pay off the card to get it lower than the threshold, or transfer some of the balance off the card.

 

Following these tips, you can easily build up your credit score and lower the interest rate you pay on everything from a home purchase to a new car.  It is not really that hard, but you have to stay on top of it like anything else.  No one will do this stuff for you – surely not the credit companies that make billions of dollars per year off of charging (and overcharging) people with high interest rates.  It is up to you to take charge.



Anna

ndomnic05 asked:


I had a credit card out there in my name that I never used personally but a family member did. The credit card account was sold to a debt collector and the balance is around $2000. I was wondering if the remaining balance was paid off by that family member will my credit be repaired or not? I realize that it will finaly show that it was paid, but will that fix my credit score at all?
If it isn’t going to be repaired the family member offered me a cash amount of $500 what should I do.

Nellie

Ryan asked:


Let’s say you made one of those big no-no credit mistakes. You went out of town on vacation for a week, came back home and realized you totally forgot to pay your credit card bill. It happens all of the time.

Chances are you are okay. The worst thing that may happen is you have to pay a late fee, but more than likely the creditor won’t report your one-time late payment to the credit agencies. Most lenders and creditors will not report bad repayment history until you are 90 days late, and if they do not report it, it does not end up on your credit report. Since your credit score is calculated by the information on your credit report, you’re in the clear.

But what if they do and that late payment ends up on your credit report. Sadly, if you have an otherwise good credit score, this will affect you the most. It could knock 100 points off your credit score – ouch! Late payments by people who already have a crummy credit score won’t get dinged nearly as bad.

This may actually not be entirely true though. The way FICO is calculating credit scores going forward now gives some forgiveness to people who made that one-time mistake, but will further penalize people who have a history of not paying their bills.

The best solution to make sure this does not happen is to set up automated bill paying. That way, no matter what, your bills get paid.

If, however, you have a history of making late payments, you’re in a bit more trouble. You’ll wan to get a copy of your credit report and take some of the steps to increase your credit score, which you can do completely on your own.



Debra

TENTLADY asked:


I bought a forclosed home and paid cash. My “Money Pit” needed and still needs many repairs. I’m out of money and need a loan. I’m on a fixed disability income from the Gov’t. and my credit score is REALLY bad. I’ve been battling Crohn’s disease, Lupus, Sarcoidosis, Asthma and a few other chronic illnesses for several years spending alot of time in hospitals, and too much money on Doctors and medicines. I get NO help.
I don’t qualify for public assistance because I was always too ill to have kids.
I was blessed to find this house but I stilll need a loan.

NOBODY will even talk to me. My house is worth WAY over what I paid. But I got it cheap because of the MOLD issue.

My house needs repairs and I’d like to convert to Solar power, Get Rain Barrels and Prep my house for Hurricane season. (My house previously had damage from Hurricane Charly. I’d like to pay off my medical bills (and a few other bills) and “I” need repairs. I cant even go back to any of my doctors because I owe money.

If I can get loan 25k to 30k I can pay off everything, fix my home and improve my credit. If I get the Solar Power and rain barrels I can Lower my monthly bills. I also had a Whole house generator for storm season, but it was Stolen. Also, My 80 year old Mom who has been helping care for me was just diagnosed with Breast Cancer. We are trying our best to care for each other.

Please help. I don’t want to end up filing bankruptcy unless I ABSOLUTELY have to.

Thank you.

If you know of anyplace that I can go for a LEGITIMATE loan (or a Grant), please send me a response.
If you are a lender, please also provide a telephone number and a location where I can find your BBB references.

thank you

Steve

David33 asked:


Your credit report score is one of your most valuable assets since it determines whether creditors will approve your loan as well as how much this credit will cost.

Scores vary from 400 to 850, and if you have a sensible amount of debt, pay all debts on time, and have never filed for bankruptcy, you can expect a high score of 750 to 850. To be eligible for credit at a lower interest rate, it is a must maintain a score higher than 680. Credit scores fall for many reasons, and below are some helpful tips to boost your credit score:

A trade-line is an item on your credit report. Any mortgage, each revolving loan, or each credit card, is a trade-line. To get a high credit score, it is necessary to least maintain three trade-lines that show a good payment history for a year.

You may want to apply for an unsecured card to improve credit score. However, the balance limit may be small and there may be a yearly fee. Get the card, pay the annual fee, and you will see. For the next three to four months, charge small amounts using this card and then pay the balance off when your bill arrives. This will place another trade-line on your credit report score; this will show your entire balance payment each month. This can improve credit score by, again, as much as 40 points over a period of four to six months.

Analyze your credit report carefully. Look for any debt that is not yours and begin getting this debt off of the report. Errors and duplications usually happen when you share a name with a family member, or identity theft. Report this to the Big Three (Equifax in Atlanta, Georgia, Experian in Orange, California; and TransUnion in Chicago, Illinois) and follow the processes these bureaus outline for you.

However, before you consult with credit repair professionals and pay them, it would be a good idea to look for ways to enhance your score yourself. Following the above tips may bring your credit score to a very solid level.

Do not fret about having a low credit score because there are still a lot of things that can be done to improve it. With the help of 720creditafterbk.com, people can now fix credit scores fast! Drop by Free-Credit-Reports.com right now and now how to Improve creadit score



Michele