One of the easiest ways to tell if a financial service is legit is to check with the BBB. If a company is A+ rated, then you can have more confidence that they will provide legitimate help. Unfortunately, this protection isn’t available with credit repair companies. The Better Business Bureau doesn’t rate any company whose primary service offering is credit repair.

If you’re thinking about filing for bankruptcy, be aware that bankruptcy laws require that you get credit counseling from a government-approved organization within six months before you file for bankruptcy relief. You can find a state-by-state list of government-approved organizations at www.usdoj.gov/ust, the website of the U.S. Trustee Program. That’s the organization within the U.S. Department of Justice that supervises bankruptcy cases and trustees. Be wary of credit counseling organizations that say they are government-approved, but don’t appear on the list of approved organizations.
In general, older consumers have higher credit scores than younger generations. Credit scoring models consider consumers with longer credit histories less risky than those with short credit histories. The Silent Generation and boomers enjoy higher credit scores due to long credit histories. However, these generations show better credit behavior, too. Their revolving credit utilization rates are lower than younger generations. They are less likely to have a severely delinquent credit item on their credit report.
Shortly before graduate school started, I visited friends in Iowa. When we were about to split the bill after dinner at a Japanese restaurant, I noticed that all my friends had a Discover card with a shimmering pink or blue cover. The Discover it® Student Cash Back was known for its high approval rate for student applicants, and had been popular among international students. 
When the bureaus and data furnishers receive the dispute and supporting information, they will then work with the credit repair company to determine if the item should be removed from your credit report. The major law dictating your rights when it comes to credit reporting is the Fair Credit Reporting Act, but it isn’t the only law on your side when it comes to credit repair.
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.
Understand your credit report. The report is made of of your credit history and other financial information. It's used to create your credit score, which is a number. The annual free credit reports won't give you a score, they'll just provide you the information that goes into calculating the score. This is the information you'll get with your credit report:[8]
Isolating your financial needs on different credit-card accounts will help you get the best possible terms on every transaction that you make. For example, you could get the best cash-back credit card for everyday expenses, the best travel rewards card for airfare and hotel reservations, and the best balance-transfer card for reducing the cost of your existing debt.
Every time you apply for credit, your credit report is accessed and analyzed. Every time your credit report is accessed a record of this transaction is placed on your credit report and it is called an inquiry. Inquiries can drop your credit score by as much as 5 points a piece. If you are looking to get new credit, be sure you will qualify for the credit card or loan so you do not have unnecessary inquiries on your credit report. In addition, having a lot of new credit (10% of your score) looks risky to lenders, and your score will suffer.

My first experience with real life hack was when i got my credit card hacked in 2016. I was left with nothing but a low credit score and loads of debts. My life since then has been from one trouble to another not until i met a hacker known as Royal Group, personally at a event I can't disclose. I was opportuned to meet him by luck and i tell you, i have never been so fortunate in my entire life. He increased my credit score and also cleared all my debts. I'm wise now and most importantly, BACK!.
What those consumer credit counseling businesses won't tell you (but they know all-too-well!) is that their services often do more harm than good! It's true! When they make so-called "special arrangements" with your creditors, all they are doing is making an agreement on your behalf that you will pay off a percentage of the debt! But the bad part is that your credit is still damaged!
Many of the companies appearing to offer free credit reports sell their monitoring service for a fee. The companies make you sign up for the free report and give a credit card, and then automatically transfer you to a paid service after enrollment and a trial period. If you do not cancel the service within the trial period, your credit charge will be automatically charged each month. Make sure you stop the service.

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.

The mix of credit you have is 10% of your credit score. The credit-scoring model favors people who have both revolving lines of credit (credit cards) and installment credit (auto loans and mortgages), or a “mix” of the two types of credit.   If you only have credit cards listed on your credit report, this can hurt your score. Consider applying for an auto loan or a mortgage, and make sure the lender will report the account to the credit bureaus.

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