(12 months payment activity reported to all 3 credit bureaus. TransUnion, Experian Equifax).
It is simply not enough to pay of past bad credit like medical collections, bad checks, charge offs or collections. In addition you need to know that rent, phone bills, satellite contacts and other living expense related bills do not count as current rated credit. We are talking about Car Loans, home Loans, Personal Loans and Major Credit Cards the Routinely report to the bug 3 credit bureaus. Even most of your local banks do not report good payments to credit bureaus. You have to ask the if they do or get your money from someone else, IF, you want to build good credit.
More ways to improve your Free Credit Scores fast quickly free.
1. Check all three credit reports and decide which accounts you have the best chance to pay off, negotiate or settle.
2. Have at least 3 reported to TransUnion, Experian and Equifax lines of rated credit. I can not improve, raise or increase something I do not have.
3. Pay credit lines down to less than 79% of high credit limits. Raise Improve Increase scores 70 points in less than 30 days
4. Negotiate anything you can't get removed by dispute. Raise Improve Increase scores 20 points fast
5. Validate anything that is verified by dispute. Raise Improve Increase scores 20 points quickly
6. Dispute any and all errors. a study showed more than 38% of credit report contained errors enough to be denied credit and turned down for a job or car insurance. Use certified priority mail. Raise Improve Increase scores up to
50 points free
7. Pay off all legally verified debts and ask for total removal or paid in full as agreed. Raise Improve Increase scores 20 points fast
8. Re open any past closed credit cards that are reporting late payments. Ask them to remove the late payments 12 months later and raise your credit scores 20 points quickly
9. If you cannot find past bad creditors, then dispute the account and you will either get contact information or the account will be removed completely. Raise credit score 15 - 100 points in less than 30 days or 1 month.
Here are 6 different areas of your credit score that can be disputed to raise your credit score instantly
- B ad credit that isn't yours.
Bad credit that is more than seven years old (10 in the case of bankruptcy)
I can't find all 3 scores and reports for free anywhere but here. I would not offer this if I hadn't used it myself and believed in the offer. 1 merged score is not what banks see. Potential creditors get all 3 scores and all 3 reports. We should too.