Erase Negative Credit - 3 Tips to Help Repair a Bad Credit History and Boost Your FICO Score Fast
Alot of people in the world wish they could erase negative credit from their credit report but just have no idea how to start the process.
Many of these desperate people turn to paid services that make outrageous claims and charge outrageous prices for something that anyone can do on their own.
How To Start Repairing Your Credit Score Yourself 1)Know Whats Dragging Your FICO Score Down The easiest way to know what is making your scores low is to get a copy of your credit report and examine it for negative information.
You are looking for things like 30 day late payments, charge offs and judgments.
Also keep an eye out for accounts which are over 50% of their credit limit.
2)Get The Negative Information Removed The quickest way to start repairing your bad credit is to get the negative information you found in step 1 removed from your report.
To do this you must draft a properly written credit dispute letter and send it to each bureau that is reporting negative information about you.
3)Add Good Credit To Your Profile Once you have mistake removed from your report the next step in repairing credit is to add good positive trade lines to your accounts.
Places like rent to own centers are great.
But the best way to start repairing a bad credit history is to get a secured credit card.
These cards are secured by cash held with the issuing lender and because of the cash reserve they are easy to get and will report the same as a regular charge card on your report.
Many of these desperate people turn to paid services that make outrageous claims and charge outrageous prices for something that anyone can do on their own.
How To Start Repairing Your Credit Score Yourself 1)Know Whats Dragging Your FICO Score Down The easiest way to know what is making your scores low is to get a copy of your credit report and examine it for negative information.
You are looking for things like 30 day late payments, charge offs and judgments.
Also keep an eye out for accounts which are over 50% of their credit limit.
2)Get The Negative Information Removed The quickest way to start repairing your bad credit is to get the negative information you found in step 1 removed from your report.
To do this you must draft a properly written credit dispute letter and send it to each bureau that is reporting negative information about you.
3)Add Good Credit To Your Profile Once you have mistake removed from your report the next step in repairing credit is to add good positive trade lines to your accounts.
Places like rent to own centers are great.
But the best way to start repairing a bad credit history is to get a secured credit card.
These cards are secured by cash held with the issuing lender and because of the cash reserve they are easy to get and will report the same as a regular charge card on your report.