CREDIT REPAIR Fix credit issues. Bad credit repair services Ph 1-714-459- 0164 Info & Help Credit Repair Services. All credit restoration services and Credit Repair US Tue, 28 Jun 2016 18:45:50 +0000 en-US hourly 1 Credit score increase – Real case study. Tue, 28 Jun 2016 18:43:32 +0000 Please view this video of a rapid credit score increase of 80+Points

Case study: Credit Repair and Credit enhancement with a help of an authorised user account.

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Inquiry removal Before and After FICO SCORE Fri, 24 Jun 2016 18:31:21 +0000 Here is what credit inquiry removal can do to your FICO score.

Here is an example of credit inquiry removal.

Call us now 424-328-0405 for a FREE credit report analysis today or fill out this form.

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]]> 0 RE: student loans Fri, 17 Jun 2016 19:44:39 +0000 NOTE: It will be more difficult for those with student loans to qualify for a mortgage after June 29th.

In short, low or deferred payments on an income-adjusted payback plan are currently not counted against borrowers.  Lenders must use borrowers real re-payment amounts which may cause many people, especially millennials, not to qualify for a mortgage anymore.

June 29th is the last day to register a Federal Housing Administration case number to fall under the current, more favorable student loan guidelines for mortgages.

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Ex- Executive/Insider Exposes Underground Trade – Industry Secrets to Boost Your FICO Score Fri, 03 Jul 2015 19:31:16 +0000 A low FICO score can be damaging to your credit worthiness. Contact a lender for a loan or apply for a new credit card and you are quite likely to be turned down if your FICO score is not up to the mark. The main cause for concern is that most people don’t have the aptitude to understand the intricacies of the FICO score. Therefore, they aren’t able to take the necessary steps to perk up their FICO and improve your chances of being approved for credit in the future. Well, this is now a thing of the past. Now, you can easily boost your FICO score. How, you may ask.

An executive, an industry insider, has shared industry secrets that the average customer can use to boost his/her FICO score. This busts the myth that once your credit score is ruined, there is no way you can give it a boost. There are effective ways to do so. All you need to do is go through the secrets shared by the ex-executive and you are good to go. This way, you can perform effective credit repair and boost credit score. Let’s go over the industry secrets to boost your FICO score:

  • You need to remove credit inquiries from your credit report. Credit inquiries count for a lot when it comes to calculating the FICO score of a person. However, credit inquiry removal isn’t something that you can do on your own. You will require the services of a credit repair company for the job but rest assured they will deliver the results you are looking for.
  • The second secret shared in the report on underground trade is selecting the right trade lines. If you want to get a new credit card, you shouldn’t just go for any random option you come across. You have to ensure that you choose one that is in line with what you need. Opening new trade lines that are perfect for your needs ensures that that your FICO score doesn’t get lowered because of the increase in credit. A credit repair company will help you choose the right trade lines. Moreover, they can even merge multiple trade lines you can easily use.
  • Lastly, there needs to be a balance between the positive and negative items on your credit report. This can be done by removing negative items and adding positive ones. Among the items that can be removed are liens, bankruptcies and foreclosure. The credit repair company you choose will do it for you. When there is a balance between the positive and negative items, your FICO score will improve considerably.

These are some secrets the ex-executive shared about underground trade. Make use of them and you will be able to boost your FICO score.


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Credit Repair and How You Can Do It Yourself Thu, 02 Jul 2015 16:32:54 +0000 Are you suffering from a case of bad credit? You are not the only one. The recession over the past few years has ruined the credit report for many people in the US. Not all of them have been able to recover from a blow to their credit scores and filed for bankruptcy. This is one reason the rate of foreclosure in the US has gone up over the past few years. Yet, that doesn’t mean you will suffer the same fate. There are some ways for credit repair you can use to boost credit score and get back on your feet.

Let’s go over some of the most effective tips for DIY credit repair:

Take Care of Your Payments

Your payment history makes up 35% of your credit score. This is by far the most important factor taken into account by agencies when they do the calculation. Therefore, this is something you need to improve. The first thing you should do is take care of all pending payments. If there are any payments you have missed over the past few months, pay them off. Get up to speed with your payments first and then make it a point to pay all your bills on time.

Curb Your Debts

The second thing you need to do is to lower the amount of money you owe on your credit card and any other accrued debts. The only way you can do this is by paying off the debt to a certain extent. For the future, don’t spend too much on your credit card as it would again increase the debt. Also, don’t close any credit cards that you no longer use. Don’t order any additional credit cards either.

Limit the Number of Accounts

Don’t open accounts unnecessarily. Each new account you open will have a negative impact on your credit score, making credit repair difficult for you. To boost credit score, it is important that you use the accounts you already have effectively. Moreover, get the statement for each account regularly and check for any errors. If there are any mistakes, get them rectified. Also, if you suspect credit card fraud or any other scam, do contact the relevant authorities.

Get Professional Assistance

Perhaps the most convenient way of repairing your credit is by getting professional assistance. Get in touch with a credit repair company and they will sort out the issues in your credit report. It may take a long time for you to work it out on your own. Therefore, let the experts do the job. Through credit inquiry removal and other means of credit repair, the company will boost credit score and get your credit up to speed.

These are some DIY credit repair tips you can use to boost credit score on your own.


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7 Moral, Ethical, & Perfectly Legal Ways to Boost Your FICO Score Tue, 30 Jun 2015 16:58:27 +0000 Are you looking to boost your FICO score? There are many scams going around online that promise to help you boost credit score but use illegal and unethical ways. There is no point in spending your money on getting your FICO score fixed only to have it revoked by the lenders when they inquire your credit. That being said, there are some moral, ethical and perfectly legal ways you can boost your FICO score. Here are 7 of them:

  1. You have to change your spending habits. Make as many payments as possible in cash and stop using your credit cards. You shouldn’t cancel the credit cards you don’t use but make it a point to not use them for making purchases.
  2. Don’t leave any bills unpaid at the end of the month. Unless there are certain circumstances where you fail to make the payment, make sure every bill is paid off before the next month commences. This ensures your outstanding debt is lower, a major factor in improving your FICO score.
  3. Pay off as much of your debt on the trade lines you currently use. For instance, if you have a credit card with a maxed out limit, pay off at least some of the debt so that your debt is lowered. This is another way you can boost your FICO score.
  4. Study your credit reports in detail and tally them with your credit card and bank statements. Make sure there aren’t any errors. Even a slight mistake in the credit report can hurt your FICO score.
  5. Make the most of credit inquiry removal. If you see that the number of credit inquiries on your credit report is increasing, hire a credit repair company to have them removed. Each inquiry costs you 5 points from your FICO score. Credit inquiry removal will automatically boost your FICO score.
  6. Limit the number of tradelines you apply for. Discuss your credit needs with a professional before applying for a loan or a new credit card. Some credit repair companies even merge multiple trade lines so that the credit limit available to you is higher.
  7. Offset the negative items on your credit report by increasing the number of positive reports. You can do this by having negative items stricken off the report by a credit repair company. This will boost your FICO score considerably.

These are seven of the best moral, ethical and perfectly legal ways to boost your FICO score. Keep these in mind the next time you find yourself looking at a disappointing credit report.









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7 Secrets to How to Boost Your FICO Score and Get Approved For a Home Loan Mon, 29 Jun 2015 17:18:40 +0000

If you have applied for a home loan, getting approval can be a challenge if you have a low FICO score. The FICO score is a reflection of your credit. When it comes to credit score, lenders have a simple formula: the better your credit score is, the less risk you pose. This is why people with a strong FICO score don’t find it difficult to be approved for a home loan. The FICO score is calculated by assessing your payment history, types of credit lines availed and other such factors.


There are several ways you can boost credit score by improving your FICO score and get approved for a home loan. Here are 7 secrets for doing so:

  • Analyze Your Credit Report

The first thing you need to do is obtain a copy of your credit report and analyze it. People don’t check their credit report regularly. There can be some mistakes that can hurt your credit score in the long run. This is why you should analyze your credit report and whether there are any mistakes that may have damaged your FICO score.

  • Report Inconsistencies

Report any inconsistencies you find in your credit report to the agency you obtained it from. They will look into it and make the necessary changes.

  • Pay Bills on Time

Late payments have a devastating impact on the credit score. If you haven’t been making payments on time, it will take considerably credit repair to rectify the damage. So, make it a point to pay your bills on time. You can ensure all your payments are made on time by setting up payment reminders. This way, you will be notified when a bill is due.

  • Don’t Use Your Credit Card

This is one step you should take right away. Stop using your credit cards till any outstanding debts have been paid off. With a credit card in hand, people can’t help but spend. Just because you aren’t using your credit card doesn’t mean you cancel it. Moreover, avoid applying for a credit card when you don’t actually need a new one. Both these actions have a negative impact on your FICO score.

  • Remove Credit Inquiries

Most people are not aware of the fact that credit inquiries on their credit report can hurt their FICO score. This can come to bite you when you apply for a home loan. In fact, the lender you have selected for the loan will conduct a fresh inquiry, which will further lower your FICO score. Hence, it is important that all past credit inquiries are removed.

  • Balance Negative and Positive Items

You have to ensure there is a balance between the negative and positive items on your credit report. If the negative items outweigh the positive ones, your FICO score will be low. Restoring parity will boost your FICO score and enhance your chances of being approved for a home loan.

  • Spend Wisely

Last, but not the least, you have to assess your spending habits and be more careful with money in the future. Keep in mind that the more you spend, the more you will owe. Curb spending and you can bring your credit under control. This is perhaps the most pertinent of all secrets to boost your FICO score.

These are the 7 secrets to credit repair by improving your FICO score. If you feel this is too much work, get in touch with a credit repair company and they will do it for you.


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