Credit Scoring Secrets (Credit Repair): How To Raise Your Credit Score 100 Points In 100 Days

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Next, I simultaneously increased my available credit by half on one of my credit card accounts by accepting a credit line increase offer on my account. I would definitely suggest everyone accept their pending credit line increase offer, if available — just be smart enough not to use it! It helps with your credit utilization ratio, which helps your credit score.

Sign into your credit card account online to see if a credit limit request is waiting for you, or call the number on the back of your card to learn more about your options. Another major contributing factor is my perfect track record of on time payments. I even set reminders one week early to allow room for any mistakes. If your income is steady enough and your account never hovers around zero, I would definitely suggest setting up auto bill pay for recurring monthly payments. According to the Fair, Isaac and Company FICO , the creator of the three-digit score used to rate your borrowing risk, the higher the number, the better your credit score.

The FICO score ranges from A good credit score is typically in the range of and above. Your credit score is made up of 5 different factors that all impact your score in a different way.

I believe my credit score significantly increased because credit utilization has a really high impact on my overall credit score. The authors get right to the point sharing the actual process they used to help mortgage clients quickly raise their credit score. See results in just weeks. Read this book in less than an hour and get started today with these simple steps to increasing your credit score. Read more Read less.

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Page 1 of 1 Start over Page 1 of 1. How to be a critical reader. Product description About the Author James L.

He regularly appears as a guest on radio and TV as a financial commentator. He is a trumpet player and a 3rd degree black belt Taekwondo instructor. Kindle Edition File Size: Premier Financial Communications 7 May Sold by: Amazon Media EU S. Share your thoughts with other customers.

Write a customer review. Most helpful customer reviews on Amazon. Boy was I wrong on how my credit scoring works on the banking side. We have traveled down some hard road financially because of the economy and poor financial decisions. Went through Bankruptcy which was the best choice at the time.

Experienced the underhanded reporting of financial institutions that only the creditor can correct by filing a dispute with the big three. I paid off bills that we in collection for quite some time and would have had a better understanding of how to negotiate the payoff if I had read this book beforehand.

With that being said I am old school and we wanted to pay off these bills when we could. We are know financially sound and are better stewards of our finances. Funny thing was when I paid our outstanding debts off our credit rating went down. Read this book to find out the reason why and much more. Credit Scoring Secrets Credit Repair: It's very important to have credit cards because if you maintain a good credit it effects a lot of other things in your life-how much your apr will be, car insurance rates, etc.

Like letters at the end as examples of how to get your reports corrected along with other useful information. Excellent book by a very experienced author.

This will give you great tips on how to monitor and even improve your credit score.