I was not entirely sure how this works but I heard Spy Stealth is good at helping people with their credit scores in all honesty I could slowly work on my score myself, but the eviction I had on my account was seriously hurting me. I was living with a room mate who's brother will be moving in by May which means I had to move. I didn’t want to live in hotels anymore I just wanted to be able to get my own place...As I speak, Spy Stealth got rid of all negative listings and eviction on my credit at a reasonable price. Thanks to him, I can’t imagine what my life would have been If I had not met him. And for those interested in his services, his email address is spystealth . org @ g mail . com.
When negative information in your report is accurate, only time can make it go away. A credit reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. Information about an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. The seven-year reporting period starts from the date the event took place. There is no time limit on reporting information about criminal convictions; information reported in response to your application for a job that pays more than $75,000 a year; and information reported because you’ve applied for more than $150,000 worth of credit or life insurance.
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If you already have a good-to-excellent credit score and a low debt-to-income ratio, you may want to consider refinancing your student loans. When you refinance your loans, you take out a new credit-based private student loan and use the money to pay off some or all of your current loans. (The lender will generally send the money directly to your loan servicers.)
Credit repair refers to the process of disputing mistakes and errors in your credit reports. Each credit bureau maintains their own proprietary version of your credit report. They strive to maintain accurate information, but errors can occur. Credit repair is the process you use to correct those errors by submitting a dispute to the credit bureau that issued that report. If the information cannot be verified within 30 days, the credit bureau must remove the item you disputed.

Next, estimate your monthly spending habits for other expenses such as gas, groceries and entertainment. Create a limit, based on your income, of what you can spend in each of the different categories of expenses. For example, if you tend to spend $400 a month on groceries, try to stick to $300 a month on groceries by making changes like buying generic brands, using coupons, and resisting impulse purchases.
By co-signing, you agreed to be the backup payer on the account in case the primary folks defaulted (as it appears that they did). If the debt is past due by six years, check your state's Statute of Limitations for debt collection - many states only give creditors 3-4 years to collect on a debt, after which point they cannot bring you to court. A Partial payment will re-set this clock. You may also hit the 7 year limit for how long it can stay on your report (7 years from the date it was first past due with the cable company).
Credit repair is critical to saving money on insurance, loans, and credit cards, but that's not the only reason to repair your credit. A better credit score opens up new employment opportunities, even promotions and raises with your current employer. If you dream of starting your own business or just want the security of knowing you can borrow money when you want to, you should repair your credit sooner rather than later.
Here’s a good example of when a reputable credit repair service can help you do something you may not be able to accomplish yourself. If you have a collection account that’s been sold to a few different debt collectors, it may appear on your credit report multiple times. That information is accurate but having that one debt dinging your credit score multiple times may not meet the “fair” standard Padawer mentioned.
Set up automatic payment reminders. Paying your bills on time is the most important factor in figuring up your credit score. Setting automatic deductions from your banking account for house and automobile payments, utilities, and credit cards will help you make timely payments. If auto payments aren't possible, set payment reminders on your calendar or budgeting software.[2]
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All very good information.... but I am not sure that getting a credit offer with a pre approval doesn't recheck your credit when you actually apply. Every credit card I signed up for did a credit inquiry.... however.... I really like your advice about adding your daughter to your accounts... this doesnt put a hard inquiry on her credit report and it makes it look like the card is hers. She doesn't even have to use it but it will make her score jump. Great advice
I was wondering if you could give me a little advice to help raise my credit score within 5-6 months. I have recently paid off all of my collection accounts and was told to get at least two secured credit cards, as I do not have any active credit. The only active credit that I have is my student loans because I am in school all deferred until 2018& 2021, current car loan which I pay on time and a credit card from my credit union (that I pay on time) but it only reports to one bureau (Equifax), bummer!! About a month ago a mortgage broker pulled my credit and my lowest score was about 540 the highest was 590, and he said I needed to increase my score but didn't say how (no advice given). Since having my report pulled I have paid off the collections and have obtained 2 secured credit cards. My credit cards have not been reported to my credit report yet and all of the paid collections have been updated so I'm not sure what my scores are as of know. I am looking to be able to be approved for a home loan in the next 5-6 months with good interest rates. Can someone please give me advice that can possibly help me to raise my score about 80-100 points in this time frame?  Also I would like to say that there is a lending company that will give FHA home loans with a credit score of 580 credit score in my area, but not sure if their interest rates are ridiculously high. Would going with this company be a good option? 
By co-signing, you agreed to be the backup payer on the account in case the primary folks defaulted (as it appears that they did). If the debt is past due by six years, check your state's Statute of Limitations for debt collection - many states only give creditors 3-4 years to collect on a debt, after which point they cannot bring you to court. A Partial payment will re-set this clock. You may also hit the 7 year limit for how long it can stay on your report (7 years from the date it was first past due with the cable company).
Rapid rescoring is a practice commonly used by mortgage originators to help improve credit scores. Rapid rescoring is a two-step process that first involves correcting and updating information, and that information is then sent to the credit bureaus. When the rapid rescore is done, this information is added to the consumer’s credit file within days to update and improve their credit scores quickly.
If you use the second method — and this if the first time you rehabilitated the student loan — the default associated with the loan will also be removed from your credit reports. Although the late payments associated with the loan will remain for up to seven years from the date of your first late payment, having the default removed could help your score.
The moment you’ve cleared a debt, the idea is to get it off your report. However, if you’ve handled a debt well and been prompt with clearing your dues, it reflects well on your report and hence, your credit score. So, don’t close accounts where you have a good repayment account. The bad debts anyway get written off from your account in a few years’ time.
A secured credit card, in particular, is the ideal tool for rebuilding credit. They offer nearly guaranteed approval because you’ll need to place a security deposit that will double as your spending limit. Secured cards are also far less expensive than unsecured credit cards for people with bad credit. And you can’t tell them apart from unsecured cards on a credit report.
That's very commendable of you to handle your daughter's financial problems that way.  I used to be employed as a loan officer in finance, but things have changed so much in the last 20-30 years.  I accomplished something very similar to her situation, but I started in the fair range on scoring.  I raised mine 204 points in less than 9 months.  Thanks for passing along this great advice and experience.
Credit repair starts by reviewing your credit reports to identify potential errors and mistakes. It takes about half an hour to download your reports from annualcreditreport.com. That’s the time it usually takes to login in, answer the security questions and download your three reports. Then you review your reports to see what they say and take note of any errors. If you’ve never looked at a credit report before, it can take 1-2 hours to review all three reports in-full.
Improving your credit score How to Improve and Monitor Your Credit Score by Using Technology How to Improve and Monitor Your Credit Score by Using Technology Your credit score can have a huge influence on your financial life. We explain how it's calculated and and how you can improve it. Read More doesn’t have to be a complicated, convoluted process. With just a few simple behaviors and actions, you can quickly boost your credit score in just a few short months. I did it with these six steps, and so can you.
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The downside of these cards as mentioned above is that you can buy merchandise only through the one website or catalog and you must put down a deposit on whatever you purchase. For example, if you were to buy $1000 worth of merchandise you would have to deposit maybe $300 and then finance the remaining $700 on the merchandise card. This will be reported to one or more of the three credit bureaus and will appear as just another credit transaction on your credit report. This will have three important results:
I was wondering if you could give me a little advice to help raise my credit score within 5-6 months. I have recently paid off all of my collection accounts and was told to get at least two secured credit cards, as I do not have any active credit. The only active credit that I have is my student loans because I am in school all deferred until 2018& 2021, current car loan which I pay on time and a credit card from my credit union (that I pay on time) but it only reports to one bureau (Equifax), bummer!! About a month ago a mortgage broker pulled my credit and my lowest score was about 540 the highest was 590, and he said I needed to increase my score but didn't say how (no advice given). Since having my report pulled I have paid off the collections and have obtained 2 secured credit cards. My credit cards have not been reported to my credit report yet and all of the paid collections have been updated so I'm not sure what my scores are as of know. I am looking to be able to be approved for a home loan in the next 5-6 months with good interest rates. Can someone please give me advice that can possibly help me to raise my score about 80-100 points in this time frame?  Also I would like to say that there is a lending company that will give FHA home loans with a credit score of 580 credit score in my area, but not sure if their interest rates are ridiculously high. Would going with this company be a good option? 
Become familiar with the information contained in each of your credit reports. They'll all look very similar, even if you've ordered them from different bureaus. Each credit report contains your personal identifying information, detailed history for each of your accounts, any items that have been listed in public record like a bankruptcy, and the inquiries that have been made to your credit report.
Over the next decade, credit reporting agencies went from localized companies to the nationwide credit reporting agencies we know today. Almost all lenders and creditors go through the three credit bureaus (Experian, Equifax, and TransUnion) to get consumer credit reports. That’s good for consumers because it means they only need to worry about three credit reports. As long as you review those three reports regularly and make sure they’re error-free, you can present the best possible credit profile when someone checks your credit.
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What can and DOES change is whether you have a collector pursuing you for the debt. If you are talking about a dormant account that has been in collections and has finally been left alone with no collections activity for a few years, messing with it can be problematic from the point of view that the collections people will start pestering you again to see if they can get money and if the SOL isn't up, they can start reporting on it again which can affect your score or they could even file suit if your state SOL isn't up.

The only way to instantly fix your credit to escape even legitimate items is to create a new credit identity. These fraudulent credit repair companies will charge you exorbitant fees to help you set up a new credit profile under a different Social Security number. Then they take your money and disappear. Everything seems fine until the feds show up at your door because you committed criminally-liable identity fraud. You can actually go to jail or face serious fines for taking this bad advice.
Borrowing from your 401(k) may be the best option for you, since it won’t count as new debt and you pay yourself back interest rather than paying it to a bank. However, if a 401(k) loan isn’t an option, then you’ll need to select a debt consolidation loan. When it comes to debt consolidation, there are lots of scams out there. Review the following options to make sure you’re making the right choice.
If you've already used up your free credit reports for this year, you can order your credit reports directly from the credit bureaus for a fee. The bureaus all offer a three-in-one credit report that lists all three of your credit reports side-by-side. The three-in-one credit report costs more than a single credit report, but less than the combined price of purchasing your individual credit reports.

If you have a number of mistakes that appear in your report, you may want to only include a few disputes at a time. We recommend a maximum of five disputes in a one ltter. This means that you may need to go through several rounds of disputes if you’ve never repaired your credit before. If you do this process regularly, then it typically takes one round, at most.
Serious financial distress can have a lasting impact on your credit. Chapter 7 bankruptcy penalties on your credit report stick around for 10 years. Foreclosure, Chapter 13 bankruptcy and collection accounts remain for 7 years. And if your financial distress led to tax debt, unpaid tax liens can haunt you up to 15 years. But no one wants to wait that long to rebuild their credit. Are you just supposed to put your life on hold?
You’ve seen the ads claiming to be able to fix your bad credit, but do credit repair products really work? Honestly, many of the companies are a scam. But the best credit repair reviews of services that have been around for a couple decades show that these companies know the rules surrounding credit repair and know how to best navigate those rules to either raise your credit score or give you your money back. That of course doesn’t mean that it works for everyone. There is no magical formula to raise your credit score in a hurry, but there are a few instances where the best credit repair services can help you give your score a deserved bump. We’ll look at the best services and then explain the instances when credit repair actually works.
The net result is that disputed accounts are basically suppressed from your credit history in terms of your credit score. For about 30 days or so, while the bureaus are actively investigating disputed accounts, those accounts are not included when your FICO or VantageScore® are calculated. That could prove helpful if you need a fast, legitimate way to quickly improve a credit score weighed down by erroneous, incomplete or outdated information.
If you have a low credit score, there are many things you can do to improve it. Sometimes we don’t even realize that our credit report contains errors—errors that can be removed with a little determination and perseverance. Even if your score is low because of your own poor choices in the past, you can still take control of your finances and improve your credit over the long run.

11. Pay your bills twice a month. Using too much of your credit limit at any given moment doesn’t look good. Suppose your limit is $3,000 and a month’s worth of havoc (car repair, doctor bills, plane ticket for kid to get to college) means you’ve charged up $2,900. Sure, you plan to pay in full by the 18th of the month – but until then it looks like you’re maxing out yet another card.
Going forward, pay your bills on time. This includes non-credit bills. Your missed utility payments and late rent payments can be reported to the credit bureaus. Because payment history is so important, establishing a reliable pattern is vital to rebuilding your credit. At the very least, you want to avoid reports that you are missing payments, or paying habitually late. Consider setting up automatic withdrawals in order to avoid missing payments in the future.
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The way a secure credit card works is simply. You prepay your credit ahead of time to “secure” all of your purchases. Your credit limit for this type of card is exactly the amount of money that you prepay. This basically makes you a zero risk debtor to the bank if you happen to not pay your bill. You can obtain a secured credit card for as little as $200, so there really isn’t any reason to NOT get one.
If you already have a good-to-excellent credit score and a low debt-to-income ratio, you may want to consider refinancing your student loans. When you refinance your loans, you take out a new credit-based private student loan and use the money to pay off some or all of your current loans. (The lender will generally send the money directly to your loan servicers.)
Shopping for a private student loan, comparing the pros and cons of different lenders, and submitting multiple applications so you can accept the loan with the best terms is generally a good idea. Hard inquiries usually only have a small impact on credit scores, and scores often return to their pre-inquiry level within a few months, as long as no new negative information winds up on your credit reports.

If you have one of those letters we mentioned earlier that details your credit problems, you have some idea of what’s holding you back. Even though it may seem complex, as we mentioned, your credit score is based on five core factors: payment history, credit utilization, the age of credit accounts, mix of credit accounts and history of applying for credit. They’re not equally weighted, and this information will most likely vary between credit bureaus.
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