Fix Credit Score Fast

Fix Credit Score – FAST

If you are looking for ways to fix your credit score fast, getting hold of your credit report is an important first step toward fixing your credit. 

“Most people’s score is somewhere between 500 – 700 which is poor to fair”.

Fix Credit Score - FAST

Do You Know Your Score?

There are several ways to obtain a Free Credit Report Online and I’m going to give you access to your credit reports right here, for free. You can contact the following sources directly by visiting; 

Why You Need to Do This

You will need to view all these sources to make sure they are scoring you all the same, and once you have your credit report(s), then we can get to work on improving your credit score. Also reviewing your credit reports regularly helps you to catch potential problems, before they get out of hand, such as detecting identity theft, which can devastate your credit rating.

How Important is Having a Good Credit Score?

Fix Credit Score - FAST

Having a good credit score will guarantee you of a good life and having the best credit score, you possibly can is important because your Credit Score will affect your;

  • loan interest rates,
  • credit card approvals,
  • apartment rental requests,
  • and even job applications.

So, knowing what to look for will also help prevent future, long-term credit related problems and understanding how your credit score is calculated is another important step towards improving your credit rating.

Get This Book

Fix Credit Score - FASTRepairing bad credit is a bit like losing weight, it’s going to take a little time. And often, most typical, quick-fix options can potentially be detrimental, over the longer term, which is not what you want.

However, as everyone’s situation is different, improving your Credit Score could be easier than you think but you need to get the correct information that’s specific to your individual situation.

So, if you’re interested in learning how to fix credit your score, fast and learn some hacks and how to improve your credit score, then grab a copy of this book.

It will teach you how to avoid all the issues that people with low credit scores have to deal with on a regular basis.

In some circumstances, you can even raise your credit rating by more than 100 points without actually removing every negative thing from your credit report.
“Details about the process and exactly how to ‘tweak‘ things to improve your score, are found in this eBook”

Start a Business

In difficult financial times many and layoffs people turn to self employment or a business to start to rebuild their income, but how do you choose a profitable business in hard economic times?

Fix Credit Score - FASTDebt Negotiation could be an the answer.

In fact you could even start a business with the information you are going to learn and this could become a business for you by helping other people negotiate their way out of debt problems. There will be a lot of people looking for this type of help and you will also be genuinely helping people.

You will also have the satisfaction of knowing that you have helped them change their life for the better. A debt negotiation business for example would an excellent business to start in a recession. Your potential customers will be actively looking for the service that you offer and there will soon be a boom in the numbers of people search for these types of services.

Fix Credit Score - FAST

 

For More Information

For more about this and many other ideas on debt and credit management and how to beat the Debt Collectors and becoming debt free you may like to visit another free website; Debt Management Ideas and view the articles and resources about managing your money, managing loan repayments and other debt related topics.

Another Resource You May Also Like

There is also another website for getting a free credit report, which also has the additional advantage that they monitor your credit and future credit inquiries for you. They will email you about any new developments to your credit score

You can check it at Credit Karma.  Fix Credit Score - FAST

One of the biggest credit misconceptions is that checking your credit score will hurt your credit score.

This is not the case. You can check your credit scores at Credit Karma as often as you like without affecting your credit score. You can check it at Credit Karma here.

Dealing With Debt Collectors

Fix Credit Score - FASTIt may seem easier to turn to outside help when you are feel overwhelmed by your debt situation and / or when collection agencies are banging on the door and phoning constantly. A feeling of panic is what usually drives people to debt counselors, because you just want to run away and dump it all at the feet of someone who knows how to deal with it.
Unfortunately,you are really the only person who can deal with it effectively. However, there are some ways to alleviate the pressure while you deal with these concerns. Part of that is figuring out what to react to and what to ignore.
So let’s begin with discussing what debt collectors are not allowed to do and understanding what your legal rights are:
A Debt Collecter is violating the law if they:
  • Call you before 8 am or after 9 pm
  • Call you an unreasonable number of times
  • Tries to irritate you into paying the loan
  • Threatens to harass you about the debt by constantly calling
  • Or is harassing your friends and family
  • Threatens to have you charged or imprisoned
  • Threatens to report a vehicle as stolen (if it’s about a vehicle loan)
  • Mails a letter claiming to be from an outside source (for example, an attorney’s office).
Now bear in mind that most of these tactics are common debt collection practices, and yet not one of them is legal. As soon as a debt collector starts with this approach make sure you let them know that you are aware of your legal rights that forbid them from doing those things.
Sometimes that is enough to scare them away.Fix Credit Score - FAST But often times they simply don’t know that they are not allowed to do those things in which case take note of the violations and ask to talk to the collection agency manger.
You may find that by doing this they will leave you alone and harass someone else instead. Not that this solves you debt problem, but it will relieve some unnecessary stress.

Loan Consolidation Programs

With multiple loans, it is pretty difficult to keep track of the monthly payments, interest and due dates related to each loan. While you are trying get out from under you debt situation, this could be difficult thing to manage.

A loan consolidation will make it easier to manage by putting the multiple loans into a single new loan. The new loan could have monthly payment much lower than the earlier ones. You don’t have to worry about several payments per month as you can more easily remember a single monthly payment schedule.

Companies providing the consolidation service

There are companies offering incentives when you stick to the timely payments. Some may even wave off the interest if timely payments continues for twenty four months. However just don’t rely on incentives alone as there are other things also to take a look which includes loan terms, competitive interest rates etc.

Remember

The more information you have about managing debt and understanding credit solutions the better equipped you are for solving debt problems, not only for yourself but others as well. Take a look at the website; Debt Management Ideas which has many articles and resources about managing debt and  other credit / debt related topics.

Remember that a good credit score can guarantee you of a better life, so go check out Debt Management Ideas – it’s free

Visit ‘Debt Management Ideas‘ Using This Link here

One More Thing

If you want your own online business, but are having difficulty getting started or knowing what to do. Then look no further because not only can I recommend a great place to begin your education (for free) you will also learn everything you need to know about how to build a business online, from Wealthy Affiliate.

You can see my review and learn more about them or go directly to their site using the link within the image below.

Fix Credit Score - FAST

Peter V Crisp

Peter V Crisp

You can learn from one place, at your own pace and you do not need a credit card to get started.

“They will teach you the fundamentals of online marketing and building a successful business and show you how to really make money online”.

You will have your very own piece of the internet and a platform from which to connect to some of the 3 billion people who are looking (searching) for information and solutions to problems online.

Finally

If you have enjoyed this post “Fix Credit Score – Fast” feel free to share socially and leave a comment or ask a question below.

OhJust one more thing, if you would like to receive a free weekly newsletter, full of tips and advice about improving your credit score. Drop your details into the box below, so we know where to send them. Apply here

 


 

About Peter

An International Speaker, Writer and Internet Marketer, living in Shanghai, China, teaching Business / English at a Chinese University and making a difference to the world, bringing you great information and recommending awesome products that will make earning online while living internationally - a breeze. http://onlineaffiliatewealth.com

10 comments

  • Tony

    Excellent tips on how to improve your credit score. I don’t think enough people realize how important your credit score is. With loans, the difference between having a good credit score and a poor credit score could cost you hundreds if not thousands of dollars over the duration of the loan. Hopefully more people read this and take action to improve their financial health.

    • Peter

      Hello, Tony I agree with you and it’s actually not hard to maintain a great score once you have one. Once you understand how the scoring system workss Thanks for your comments. 🙂

  • Jacqueline

    Hi Peter,
    Thanks for such an informative article!! I remember when I tried to get credit and I was declined. This website would have been of great help back then!!. Going forward, it will definitely be of use to those who are interested in their credit record as it is important for the very reasons you have mentioned.

    At the time, I wasn’t sure why I kept getting declined until I did a bit more digging. At the time, these credit reports weren’t free – I’m talking about in the early 90’s. It transpired that my records were linked to someone in the same household who had the same initial and surname as me. They had a poor credit score.
    It’s great that you’ve mentioned the different agencies that I can cross check my data with. I will definitely check them out, especially if they’re free.
    If I find that my scores are hugely different between the agencies would you recommend I contact them?

    Also, does each agency use the same measures to calculate the scores?
    Thanks
    Jacqueline

    • Peter

      Hello, Jacqueline. Yes that’s why its important to view all these sources to make sure they are scoring you all the same, and once you have your credit report(s), then you can get to work on improving your credit score. You can then begin by disputing anything that is not correct on your report and believe it or not, there are often errors can can be remedied that will improve your score. Thank you for your comments. 🙂

  • Maureen

    Interesting article! Thank goodness this is something I have not had to worry about. Near the beginning of the article you give 5 different places to go so you can check your credit. You also advise to go to them all. Is that really necessary? I noticed that some of them were free and others you had to pay for. Do the ones you pay for offer you more? If they all give you a different credit score which one do you believe? Thanks for the info!

    • Peter

      Hello, Maureen. You will need to view all these sources to make sure they are scoring you all the same, and once you have your credit reports, then we can check that they all have the same correct information and not hold any thing that is not yours. Then you can get to work on improving your credit score. The reason this is important is because there are three major credit scoring agencies and you won’t know which company is going to be used when you apply for credit. Thanks for your comments. 🙂

  • Steve & Kris

    Your credit report is super important. In addition to loans, credit cards, etc, potential employers will pull your credit report. Also, insurance companies, if you are applying for auto insurance. It really is important to check your credit report, and fix anything that isn’t being reported correctly. I do this on an annual basis, even if I am not applying for anything. You also don’t want people taking out loans in your name, so it is important to monitor.

    Do you have any recommendations for credit repair agencies? I know a lot of companies off insurance to help you fix your credit if your information is compromised.

    • Peter

      Hi, Steve & Kris You are absolutely right about your credit being super important for many reasons. Thank you for your comments. 🙂

  • Eartha

    Understanding your credit score is definitely the best way to start improving your credit. Without a good credit score, it becomes difficult to make large purchases such as buying a home or a car.

    Managing consumer debt is also key. It is important not to have so much debt that all you are able to do is make the minimum payments on your credit cards.

    I think the more knowledge a person has about how debt works (good debt versus bad debt), the easier it becomes to manage.

    • Peter

      Hello, Eartha. I agree with you and it’s not hard to get the knowledge that will make your life a little easier in terms of acquiring and keeping a great credit score. Thanks for your comments 🙂

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