When your credit score is high you are considered a credible investor and your objective is to maintain your score to the highest number possible. How to do that? Follow these proven steps to do it:
1. Knowing where to start is very important as it gives you direction on what to do. Begin by ordering individual credit reports with each agency so you will have access to initiate a dispute online. It is more ideal to do it in isolation to keep you more updated with your credit reports information, ordering by bulk may take some time. Ordering in groups may be cheaper but keeping a close eye to your credit reports on time will definitely keep you out of trouble.
2. Make phone calls to your credit card agencies and request for an increase on your credit card lines. This improves your credit to better ratio amounts available and can help you gain extra 60 points on your financial credit.
3. The best ratio to have the cheapest possible outstanding debt-to-available-credit ratio is 25%-35%. You can start to reorganize your debt to achieve this.
4. Your credit card reports determine your ratio. Keep reorganizing your debts by paying your debts at the soonest possible time you can.
5. The reason why your credit score decreases is because of the high debts shown on your credit reports. You can change this by looking for lenders who don?t mind tracking records or making reports of your debt. You may seek help from good friends and family who trust you with these matters. Just remember to invest your money wisely and don?t break the trust given on you!
6. There are really times where you can receive wrong credit reports that affect your score but it is easy to alter this. You can fax the incorrect credit report to the credit agency and in most cases they would correct your credit reports immediately.
7. Start your dispute online with every service. The best way to suspend the unhelpful offensive items from your credit report is to boost your score. Your score will change accordingly once the dispute is solved, however you will experience a temporary reprieve during the resolution process due to the negative offensive reports.
8. Of course you want your highest score to be pulled off by lenders on your purchases, but it doesn?t always get selected. Your middle score is the most significant score of all as it is the one being selected almost all the time by lenders. So always try to increase your middle score. Once you do this the maximum score that you had before will become your middle score!
9. Ask your friends or a family with good credit history to include you to their card. Your social security number will be included to their account and their good reputation as credit card holders will show on your reports, increasing your score! If you have any negative credit reports it won?t show up to their record because their social security number remained confidential and was not added to your account.
10. When you receive credit reports telling there are credit file which haven?t been paid, you can call the collection company and ask them if they delete. Some agencies will take away the item from your credit report if the full account is paid. There are also instances where they can take away the debt from the credit agency immediately.
Receive a FREE Secret Debt Elimination Report ($99 value) at freefromcreditors. Anyone who is struggling to maintain even the minimum payments on debts must have a look at your options and comparisons.
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Source: http://forexfinanceanalysis.com/2012/03/12/10-guaranteed-tips-to-increase-your-credit-score/
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