Credit Score - Fico Score

your credit score

2007-11-20T06:49:00.001-08:00

Do you know what your credit scores or fico scores are? How many of you check your scores? If your like so many people you probably never check your scores unless you get turned down for credit or unless you are applying for credit or a home purchase/refinance. With so many people getting caught up with identity theft it makes sense to know what your scores are and to keep track of any activity that isn't created as a result of your actions.

Did you know that you are allowed to view your credit report FREE from all three bureaus every twelve months? And NO its not the site free credit report.com, they will charge you a fee after the initial trial period, Nice trick. The website you are looking for is annualcreditreport.com this site is the only site that is actually FREE, The government made the credit repositories create this website to provide you an easy way to get your FREE credit report every twelve months. You will NOT be able to get your credit scores from the free website, and any other company besides the one from the link below will not provide the actual scores that all companies see and use to determine your credit worthiness. Credit has never been more important than in today's world, credit is so hard to create and so easy to destroy so teach your kids the value of credit and make sure you keep an eye on yours, just like life you only get one. Fico Scores/Reports

Raise your credit/fico score without money!

2007-10-09T11:17:00.001-07:00

Credit Score - Whats yours? How to raise it Now!
Most people have no idea of there Fico/Credit scores, yet these scores make up a huge part of our lives.
These scores control everything in our lives that matter; these scores determine how much we pay for things and in fact if we can get these bigger purchases at all.

As stated before it’s extremely easy to do things that will lower your scores, but no one is out there telling people how to raise them.

The misconception is that in order to lower your credit scores that you have to pay things off. This is a huge misconception.

What I’m about to tell you is something I have learned through my own experiences, I guarantee if you do these simple things it WILL raise your scores. A friend of mine did what I’m about to tell you an his middle score went from a 640 to a 701 in 30 days, he did not pay off anything he just did what I told him to do.

The way thing used to be: about seven years ago credit worked different than now, it used to be that if you had allot of credit lines your score would drop.

The way things are now: Here it is this is what you have been waiting for. How it works is like this. I have seen credit reports with people having 40 lines of credit open. YES that’s 40 lines of credit open with 800 scores, these people were not rich they were very average. In order to raise your scores you need to look at your debt. if you have three credit cards that are close to the max even if you pay these on time this will be a negative, this is because its showing your near your max of your credit limit. what you want to do is spread these debts out, say you have three credit cards each with a 5K limit and you owe 3,500 to 4,000 on each one, all you have to do is transfer some of your debt to another credit card, you want to lower your balances to 50% or below the limits, also while doing this you will most likely get a better rate with the transfer credit card while lowering your balances on your other cards. This will show that instead of being close to your max, you now have a buffer or more credit that you are not using showing the credit repositories that even though you have all this credit you are not running out and charging everything under the sun and maxing your credit out. This is how my friend raised his score 61 points in 30 days; this is how my wife has raised her scores as well. See for yourself, Try it, it works. Fico Scores/Reports

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Credit Scores and Fico Scores

2007-09-06T19:23:00.000-07:00