How to Get Out of Debt Repair Your Bad Credit Debt Collector

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hi, fixing your credit is something that’s a very valuable et. in fact, in order to do so it can be done legally, and you can remove items that are in fact true. under the fair credit reporting act, you can legally challenge your credit with all three credit bureaus. in doing so, they have 30 days to respond to your challenge, even if it’s actual. when you challenge and they do not respond within 30 days, even if something is factual, as an example a bankruptcy, can be removed within 31 days. I’ll teach you how to do that with the seminar that I offer. All you need to do is contact me at frcandassociates@comcast.net, ask for Fred R. Christie, and I’ll show you what it’s all about.

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However, if you want an approximation of that score, there are a few companies that will provide them for free.

But keep in mind, that each free attempt will in fact add an inquiry to your report which has been known to lower your score. See credit score myths below.

And all [except MY FICO] are the credit scores developed by the credit bureaus themselves, Experian, TransUnion, and Equifax, and are not your actual FICO scores.

Only the FICO score from myfico.com is used by lenders to determine your credit worthiness.

CreditKarma.com:

Gives you your TransUnion score. But it is Advertising-supported.

E-Loan:

Experian score. If you visit their website, be sure to scroll down to “One-Time Credit Snapshots” and “Free Credit Score (Credit Score Only)”

Prosper:

Experian score.

Feel free to ask any credit related questions in the comments section of this video. I’ll be happy to answer them if I can.

ALSO, PLEASE FREEZE YOUR CREDIT REPORTS!!!!!!

and please go to www.optoutprescreen.com to opt out of all offers of credit and insurance for 5 years. Don’t bother with the permanent opt-out.

Credit score myths:

Myth: You have only one credit score.

You actually have three scores, one from each of the three bureaus (Experian, TransUnion, and Equifax). They use the same “equation” from Fair Isaac Corporation but they each collect their own data, they each have their own slightly different weightings on the score components, and they each make their own share of mistakes. This is why it’s important for you to review each of your credit histories each year using government sponsored AnnualCreditReport.com. Some lenders pull your score from all three and use the middle value, some only pull from one. In the end, you need to ensure your information is 100% accurate.

Myth: Checking your score will hurt it.
There are two types of inquiries – soft inquiries and hard inquiries. A hard inquiry is when a financial institution uses your credit history to determine whether or not to extend you credit. A hard inquiry will appear on your report and negatively impact your score (this is why experts recommend you avoid applying for credit cards right before a mortgage application). A soft inquiry is when an institution uses your credit history to confirm your identity or when you personally review your credit history. Since it’s not used for a lending decision, it doesn’t negatively impact your score. Checking your history or score will not hurt your credit.

Myth: Shopping around for the best loan will hurt your credit score
Shopping around for the best loan will result in a lot of hard inquiries on your credit report but this is a special case. For mortgages, home equity, and car loans, a flurry of hard inquiries won’t hurt your score if they are within a 14 or 30 day window. Credit bureaus understand you will be making numerous inquiries to get the best deal. This rule does not apply to credit card application inquiries, each one of those will hurt your score regardless of how quickly you do them.

Myth: My FICO score dictates whether you get credit and at what interest rate.
Truth: The FICO score is a very important part of determining whether you get credit and at what interest rate but it’s not the only thing lenders use. When you apply for a loan, lenders will ask you for your bank account statements, your paystubs, and your outstanding debts in addition to pulling your credit. Lenders want to know whether you will be able to repay the debt and they cannot rely just on the score alone. If you have a lot of debt compared to your income and a high credit score, lenders could deny you credit. If you have little debt compared to your income and a low credit score, lenders could still extend you credit. Score is not the final arbiter, just a part of the equation.

Myth: Getting married will hurt (or help) your credit score.
After you are married, each spouse still has the same credit worthiness they had before they were married. Your scores won’t increase or decrease because you were married. The reason why people believe this myth is because when you start applying for loans, you’ll be applying for a joint loan where both spouses will be responsible. In this case, your aggregate score can go up or down. However, the act of getting married doesn’t change one’s credit worthiness.

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I’m aware there are way better ones on Youtube, but just know that I came up with this idea on my own before ever looking online to see that people have done it already. So give me some credit! lol.

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New Powerful Secrets to Increase Your Credit Score fast. Credit Boosting strategies & techniques. Credit score booster. Credit Repair.

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