101 Powerful Tips for Legally Improving Your Credit Score
2011-Jan-26, 11:53
In this E-book, you will learn the following:
The Basics
The Best Ways to Boost Your Credit Score
Keep Your Credit Score Safe
Avoid Common Credit Score Mistakes
Dealing With Your Credit Report to Deal With Your Credit Score
Dealing With a Credit Score after a Big Problem
Dealing With Professional Credit Help
General Good Financial Habits Build Good Credit Scores
Think Like a Lender
Develop an Organized Strategy to Repair Your Credit score
Loans and Your Credit Score
Make Credit Repair Easier on Yourself
Student Credit Repair
Dealing With Debt
Credit Repair and Your Emotions
Parting Credit Tips
There are many misconceptions about credit scores out there. There
are customers who believe that they don’t have a credit score and many
customers who think that their credit scores just don’t really matter.
These sorts of misconceptions can hurt your chances at some jobs, at
good interest rates, and even your chances of getting some apartments.
The truth is, of you have a bank account and bills, then you have a
credit score, and your credit score matters more than you might think.
Your credit score may be called many things, including a credit risk
rating, a FICO score, a credit rating, a FICO rating, or a credit risk
score. All these terms refer to the same thing: the three-digit number
that lets lenders get an idea of how likely you are to repay your bills.
Every time you apply for credit, apply for a job that requires you
to handle money, or even apply for some more exclusive types of
apartment living, your credit score is checked.
In fact, your credit score can be checked by anyone with a
legitimate business need to do so. Your credit score is based on your
past financial responsibilities and past payments and credit, and it
provides potential lenders with a quick snapshot of your current
financial state and past repayment habits.
In other words, your credit score lets lenders know quickly how much
of a credit risk you are. Based on this credit score, lenders decide
whether to trust you financially - and give you better rates when you
apply for a loan. Apartment managers can use your credit score to
decide whether you can be trusted to pay your rent on time. Employers
can use your credit score to decide whether you can be trusted in a
high-responsibility job that requires you to handle money.
The problem with credit scores is that there is quite a bit of
misinformation circulated about, especially through some less than
scrupulous companies who claim they can help you with your credit report
and credit score - for a cost, of course.
From advertisements and suspect claims, customers sometimes come
away with the idea that in order to boost their credit score, they have
to pay money to a company or leave credit repair in the hands of
so-called "experts.” Nothing could be further from the truth. It is
perfectly possible to pay down debts and boost your credit on your own,
with no expensive help whatsoever.
In fact, the following 101 tips can get you well on your way to boosting your credit score and saving you money.
By the end of this ebook, you will be able to:
•Define a credit score, a credit report, and other key financial terms
•Develop a personalized credit repair plan that addresses your unique financial situation
•Find the resources and people who can help you repair your credit score
•Repair your credit effectively using the very techniques used by credit repair experts
Plus, unlike many other books on the subject, this ebook will show
you how to deal with your everyday life while repairing your credit.
Your credit repair does not happen in a vacuum.
This book will teach you the powerful strategies you need to build
the financial habits that will help you to a keep a high credit risk
rating. It really is that simple.
Start reading and be prepared to start taking small but powerful steps that can have a dramatic impact on your financial life!
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