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How to Repair Your Credit Score The 12 Top Rated Secrets !

noreply@blogger.com (Admin) — Wed, 09 Jan 2008 08:45:00 +0000

Do You Have any Idea How Much Bad Poor Credit Can Do ?!!!
Hi I'm Justin Fox and I found out the hard way, my credit score got below 620, let me tell you it's hard to get a loan at that mark. But I got it over 720, and I'll Show you how.
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But I did my homework and worked out how to repair my Credit Score, let me share with you what I learned.
I trawled the internet visiting over one hundred of the best sites on the net relating to repairing your credit score, some things I tried and they did not work, other things worked so well that I now have my score above 700 and I got the loan i wanted - this saved my 150,000 over the term of my loan.
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I've made up a list of the how to get a great credit score and have left out the tips that don't work.
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1. Be sure to get all 3 copies of your Report
2. Essential - Avoid Bankruptcy
3. Make sure you resist closing old accounts
4. You must pay Your Bills On Time Every Time
5. Try and Pay Off Debt
6. Improve your Payment History
7. Make sure you Don't Apply for too many loans
8. Try and Eliminate local finance company loans
9. Keep well Away from "credit repair" companies
10. Don't open credit accounts you don't intend to use
11. Check your credit report often
12. Find Resources and people who can help you repair your credit score
SO HOW DO I TAKE ACTION? Step One - Get all 3 copies of your credit report. It's essential you start with getting an accurate picture of where you stand financially so you know exactly what to fix. The three Credit Report Bureaus are: Experian (formally know as TRW), then Equifax, and TransUnion.
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Unfortunately they all have different information about you and are not consistent,this is due to only some of your past creditors reporting to only one of the bureaus and not the others.
You need to get all 3 copies of your report form the three main credit report bureaus, the good news is that Under US law they have to provide you with a free copy of your credit report You can request for one only once every 12 months.
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Once you have your report go through it and identify areas you can improve, read the 12 top rated secrets above and concentrate on the following areas more then others as these will have the biggest impact.
Payment History is the greatest Area You Need To Concentrate On:
Payment History 35%
Amount Owed 30%
Length of Credit History 15%
New Credit 10%
Types of Credit Used 10% Take my advice above and do it the right way.
For more advice and information on Credit Score and Credit Reports click on www.credit-reporter.net
Written By: Justin Fox

Flooding & High Winds Reach North California !!!

noreply@blogger.com (Admin) — Sat, 05 Jan 2008 06:27:00 +0000

From The Pacific Ocean Comes a very cold storm and heavy rains to the northen California which means a very Cruel Atmosphere Circumistances to the people living there On Friday 4 , 2008 .
More than two already predited that the storm will hit on Friday , It hits the power down which force more than Million person to move to Oregon Border , Also 850000 are Still without power or gas according to Pacific Gas & Electronic Read More
http://www.nytimes.com/2008/01/04/us/04cnd-storm.html

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Please Tell Me : what are your legal obligations to pay back debt that is over 10 years old and has been sold off.....?

noreply@blogger.com (Admin) — Sat, 05 Jan 2008 05:55:00 +0000

To a collection agency, its not that much, and I was young and forgot about the whole thing. Now I have these vultures calling me at all hours and making me crazy they are rude so Im rude back- probably shouln't be....oops! what is the deal what can I do to get them to stop threatening me? how do I get rid of them. just pay it? I know I should but they are such assholes!!!
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I Will Keep my answer short. If you need more help contact me.
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1) Every state has a Statute of Limitations. If the creditor fails to pursue legal actions against you within that time, they lose their legal right to collect. That time starts from the date of the last transaction. See the link below for more info. Bottom line, if this debt is 10 years old they can not legally sue you for it.
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2) BUT....the creditor still can ATTEMPT to collect the debt. The just can not SUE YOU. All that's left is their calls and harassment. They are nothing more then a barking dog with no teeth....annoying but they can't do anything to hurt you.
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3) BUT....you can muzzle these guys very easily. Read the Fair Debt Collections Act and you will see that by sending them a CERTIFIED LETTER demanding that they stop communicating/calling/mailing to you, they must stop. If they continue to bother you, you can file a very simple small claims lawsuit against them for $1000 (plus court costs).
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This will stop their harassment and they will go away.Remember this. Collections agents depend on the fact that consumers do not know their rights, and do not know the law. Once you do, and make them know it, they will crawl under their rocks and leave you along. Read the Fair Debt Collections Act laws!
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http://www.carreonandassociates.com/arti...
http://whychat.5u.com/States/ Collection laws
http://www.ftc.gov/os/statutes/fcrajump....
http://www.ftc.gov/os/statutes/fdcpajump...ftc acts/letters/info

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Where Do You Think I Can find goverment grant to help me buy a home?

noreply@blogger.com (Admin) — Fri, 04 Jan 2008 04:43:00 +0000

I suggest you check out non profits, who are the recipients of most housing grants. Check out Habitat for Humanity.
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Also visit the Nehemiah Corp as they have a downpayment assistance program for qualified lenders http://www.getdownpayment.com/
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The Housing and Urban Development in their Grants Available page makes it clear that they do not provide grants to individuals -- hence no grants for a person to buy a home http://www.hud.gov/grants/index.cfm
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"While HUD does not offer direct grants or loans to individuals, we do work through local governments and non-profit organizations to make financial assistance and counseling available."
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You can go to the Catalog of Federal Domestic Assistance (CFDA) http://www.cfda.gov and Grants.gov http://www.grants.gov - these are two FREE sites created by the federal government to provide transparency and information on grants. Browse through the listings and see if you can find any grant that would support your purposes.
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Even if you buy books on "how to get grants" or list that supposedly has information on grants -- all of them are mere rehash of what CFDA has, albeit packaged differently.
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Note though that these grants generally support non-profit organizations, intermediary lending institutions, and state and local governments. Most of the federal grants are given to specific target groups with specific requirements (e.g. minority business owners involved in transportation related contracts emanating from DOT - Grant#20.905 Disadvantaged Business Enterprises Short Term Lending Program. Individuals especially for personal purposes are not eligible for federal grants.
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Grants are also often given to non profit groups or organizations involved in training or other similar activities (grant 59.043 Women's Business Ownership Assistance that are given to those who will create women's business center that will train women entrepreneurs.

I work for GE Money Bank. What issues have you had?

noreply@blogger.com (Admin) — Tue, 01 Jan 2008 02:43:00 +0000

I work for the Walmart/Sam's club credit card. I hear complaints/compliments all day.
What has been your experience with GE Money. Some things I can relate to.
In reference to your questions :
1. When they approve people for the Walmart store cards they usually (though not always) give "very small" starting limits (much smaller than other GEMB products) no matter how good a persons credit is - why is that?
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The starting limits are pretty small usually and that is basically calculated on your overall credit bureau record. Ive seen some start at 125.00 and some start upwards around 1100.00 - so it's really solely based on credit score. If you have a nice score and have paid bills on time they usually give a bigger amount. As far as the discover, if you've been on time and have a 680 CB score or higher , they will send you a mailer telling you that you're pre-qualified for a discover card. Discover cards usually have high limits - and most people who qualify in my experience have really good credit and are not deliquent with us.
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2 days ago
Why do they give people really odd starting credit limit amounts on the store cards?(this one really has me scratching my head in wonderThe odd number is also weird to me as well- I'm not sure why they would give someone 122.00 credit line or a 78.00 credit line. Sorry about that one. . If a person currently has a store card and applys for the Discover, will that person still automatically be considered for the store card if they are declined for the Discover?
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(Is a person limited to one store card?)Not necessarily because the general population (bad credit ) usually won't qualify for the discover card. And some people won't be considered for the store card no matter how low the credit limit is because the person has deliquencies with other companies. GEMB is very strict on credit, and if you mess up 1 time with them and are 30 days late, they do not hesitate to report that to your credit report.
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2 days ago
4. Does GEMB ever automatically offer to upgrade either of the store cards to the Discover (like Target has been doing) or convert the store card when a card holder requests it? If so, is there any certain criteria that you look at with a card holder?Absolutely - as i said they do upgrade a person if they have 6 months of great credit history with us on file - specifically saying you have just a sams credit card, and want to apply for discover they look at your payment history with sams club (gemb) , your credit bureau score, and how long you've been a customer with us, and the minimum is usually 6 months.
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2 days ago
How is the ON Visa coming along? How soon before it will be available to apply online?Are they upgrading current store card holders (like Target has been doing)?I am not familiar with the ON visa. But hope the other information helped!
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The Answer : I don't have any complaints about GEMB in fact GEMB has been pretty good to me. I rarely have had a problem with any of my cards, but the few times I have the CSR's I've spoken with, in general, have been courteous and helpful.
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There are a few things that I've noticed people discussing and since you say you work in the Walmart section perhaps you can shed some light on the following questions if you don't mind.
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1. When they approve people for the Walmart store cards they usually (though not always) give "very small" starting limits (much smaller than other GEMB products) no matter how good a persons credit is - why is that?
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2. Why do they give people really odd starting credit limit amounts on the store cards?(this one really has me scratching my head in wonder)
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3. If a person currently has a store card and applys for the Discover, will that person still automatically be considered for the store card if they are declined for the Discover? (Is a person limited to one store card?)
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4. Does GEMB ever automatically offer to upgrade either of the store cards to the Discover (like Target has been doing) or convert the store card when a card holder requests it? If so, is there any certain criteria that you look at with a card holder?hmm, I could keep asking questions lol.
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I was wondering about a couple of other non Walmart/Sams if you might know -How is the ON Visa coming along? How soon before it will be available to apply online?Are they upgrading current store card holders (like Target has been doing)?Will the Chevron be handled like other GEMB products?(as far as reporting, CLI's, etc.)Thanks for the opportunity to ask

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How do I get a bankruptcy off my credit report ?

noreply@blogger.com (Admin) — Sat, 29 Dec 2007 03:48:00 +0000

I know that even after it's discharged it stays on my report for 7-10 years, but what determines if it's the 7 the full 10, or somewhere in the middle?Can I write to the credit bureau's to have it removed or the court where it was filed; it was discharged in 1999.
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It is difficult to remove a bankruptcy from your record. In order for the credit bureau to remove it, the report must be inaccurate, and/or the creditor does not respond back to an investigation request.In the case of a BK, it's a public record easily verified through PACER, an on-line database listing all bankruptcy filings.
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If you send in a dispute, they simply look it up on-line and it will stay on your report. it stays for 10 years from the date of the discharge (in the case of a BK7).Your only hope is the fact that the credit bureau is getting totally swamped with dispute investigations, and many times they don't have the manpower and ability to check.
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If it's not verified within 30 days they must delete the entry. The court will not remove this record, so don't even waste the cost of a stamp asking them. Your best bet in repairing your credit is to start immediately in doing things that will improve it.
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There is a great site that has a lot of education info and newsletters showing you how to do it....it's a free site but they do sell stuff here. I'm not passing spam, just pointing out a good source of information. I am not associated with this group at all.
>>> http://www.lifeafterbankruptcy.com

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Christmas cash ?

noreply@blogger.com (Admin) — Mon, 24 Dec 2007 21:58:00 +0000

I would like to earn some extra money for christmas and was thinking about doing some sort of selling ,parties , kids toys, make up, chocolate etc any one know of commission jobs or companies any ideas ???
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Below are all companies where you get money based on what you sell. The only problem to doing what you want to do is that you usually ahve to have some money to start it up but they can be great money makers. If you don't have the money for start up I would suggest a part time holiday hire job.
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www.avon.com
www.stampinup.com
www.closetomyheart.com
www.marykay.com
www.pamperedchef.com
www.melaluca.com
www.tupperware.com

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Parents spend loads of money on present for their kids in christmas,is it fair for santa to take all da credit

noreply@blogger.com (Admin) — Mon, 24 Dec 2007 15:27:00 +0000

it's fun and when they grow up and learn the truth they'll appreciate everything their parents did for them anyway.
its just to make the kids happy and excited. remember when you were little and you found out that "santa" came? Those presents were always so exciting. THe kids will soon enough realize that santa is not real and thus understand that all those years it was their parents and they will not only appreciate all the money on the gifts spent, but also that their parents let them have a magical and special holiday where they could believe in santa claus.

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I want to shop online for christmas gifts without credit cards and bill me later can you help me find some thing

noreply@blogger.com (Admin) — Mon, 24 Dec 2007 08:40:00 +0000

A lot of shopping sites have downloadable order forms that you can print fill out and mail in with your check or money order. I prefer this method as I don't wish to supply my personal information if I can avoid it. I don't know of any that will bill you later, but there are some mail order catalog companies that you can order by phone from the catalog and be billed later.

Here are a couple of examples. You can google more.

http://www.fingerhut.com/CatalogQuickOrd...
http://www.thecatalogshop.co.uk/

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I noticed before christmas that my credit score was terrible. 511 to be exact ?

noreply@blogger.com (Admin) — Mon, 24 Dec 2007 05:30:00 +0000

So I joined Experiential and started paying ALL my bills on time I cleared 2 defaults(partial settlement) and brought a store card below its balance. This has all been shown on my report but the problem is my score isn't improving not by a single point.
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I called experiment yesterday and the girl i spoke to said the score didn't matter its account activity that lenders look at, if this is the case why have a score? Does anyone have any idea why my score isn't going up? I haven't missed a single payment on any account since Christmas!!!! Please help if you can.
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You're doing great so far but there are a lot of things the affect your score and not just paying off debts..

When you're trying to build a solid credit score it's important to get a comprehensive view of what is actually effecting it...
Your Credit Score (also known as your MyFico score) is calculated with the following breakdown:
35% - Payment History
30% - Credit to Debt Ratio
15% - Credit History
10% - New Credit
10% - Credit Types in Use

If you excel in one area and lack in another, only fixing the areas which you lack are going to improve your score.

If you're still at a loss as to what you can do to fix your score...I've posted some links below to help.. also I raised my score to well over 700 points fro 500 using these steps in less than a year -- :

# Know and Track Your Credit Score (be sure to sign up for the free trial of your credit score tracking listed below. It really helped my get my score up.)
# Never Miss a Payment, Starting Today
# Never use more than 20% of your Available Credit
# Keep Credit Cards that Have No Annual Fees Open For as Long as Possible
# Extend Your Credit Limit on Cards You Already Have before You Get New Ones
# Get Credit Cards that Have CashBack Rewards to Contribute to your Balance
# Transfer Your Balance to a Credit Card with a Lower Interest Rate and a Higher Available Credit-
# If You Think You Are Going to be FORCED to Pay a Bill Late Ask for an Extension or Payment Plan
# Take out a Small Personal Loan and Repay it Over a Year
# Ask Someone With Good Credit if They will Account Shadow you

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I need a credit card for my christmas shopping , can i get one approved before christmas?

noreply@blogger.com (Admin) — Sun, 23 Dec 2007 21:44:00 +0000

what credit card company is the fastest to approve me before the holidays are over? I would like to use my credit card for my christmas shopping.
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Do NOT, I repeat, DO NOT go get a credit card to buy people gifts for Christmas! You WILL regret it...If you can't pay for it now, you won't be able to pay for it much better later....
If you friends/family do not understand that you can not afford fancy gifts, then shame on them.... Buy the people who are most important to you something meaningful that you can pay for now, or make something from the heart. Going into debt for Christmas gifts really is a bad idea. Please think twice before you do it.