Clear Credit History - How to Raise Your Credit Score With More Than
Do you want to clear credit history? Are you about to make a major house or luxury
car purchase but fear being turned down by creditors? Do you worry that thousands of
dollars in interest hinge on 10, 5 and even 1 point in your credit score? Are you being
harassed by non-stop collection agency calls? No matter what your case is, a clear credit
history will lift a heavy load off you shoulders and will open many doors in front of you.
There is no bad debt fairy dust that will solve your credit problems overnight. However,
there are a lot of things you can do that will boost your credit in no time.
1 Your most powerful weapon-credit knowledge.
Credit consolidation agencies will charge you an arm and a leg for things you can do
yourself if you had the CREDIT KNOWLEDGE. How is your FICO score calculated?
What's the difference between installment credit and revolving credit? Which matters
more to creditors? Is credit time sensitive? Why does paying off an old collection can
actually hurt your credit score? How to make your credit history longer? How to delete
collections, late payments, liens and judgments from your report? What is the perfect
balance/limit ratio on your credit cards? How to piggyback someone else's credit?The
more you know about the inner workings of the credit system, the better your chances to
raise you score fast.
2 Learn to think outside the box.
According to the mainstream credit advisers fixing credit takes time, determination,
financial effort, careful budget planning and patience. This formula has proven to
increase credit score over time. However, most of us want that fantastic house, brand
new car, personal or business loan NOW. Time is a luxury we can't afford. And this is
where credit tricks and little known secrets come into play. Why try to rebuild your
credit gradually when you can focus on the negative items in your report that have the
biggest impact om your score? Why pay everything i