| Do you want to clear credit history? Are you about to | | | | budget planning and patience. This formula has proven |
| make a major house or luxury car purchase but fear | | | | to increase credit score over time. However, most of |
| being turned down by creditors? Do you worry that | | | | us want that fantastic house, brand new car, personal |
| thousands of dollars in interest hinge on 10, 5 and even | | | | or business loan NOW. Time is a luxury we can't |
| 1 point in your credit score? Are you being harassed | | | | afford. And this is where credit tricks and little known |
| by non-stop collection agency calls? No matter what | | | | secrets come into play. Why try to rebuild your credit |
| your case is, a clear credit history will lift a heavy load | | | | gradually when you can focus on the negative items in |
| off you shoulders and will open many doors in front of | | | | your report that have the biggest impact om your |
| you. There is no bad debt fairy dust that will solve your | | | | score? Why pay everything in full when you can |
| credit problems overnight. However, there are a lot of | | | | negotiate settlement for a fraction of the debt? Why |
| things you can do that will boost your credit in no time. | | | | getting delinquent accounts "deleted" from your report |
| 1 Your most powerful weapon-credit knowledge. | | | | is much more beneficial that simply paying them off? |
| Credit consolidation agencies will charge you an arm | | | | Learn more about the loopholes in the system and find |
| and a leg for things you can do yourself if you had the | | | | the shortcuts to a better credit score |
| CREDIT KNOWLEDGE. How is your FICO score | | | | 3 Leverage |
| calculated?What's the difference between installment | | | | You do have leverage with your creditors, collection |
| credit and revolving credit? Which matters more to | | | | agencies and credit bureaus. For example you can |
| creditors? Is credit time sensitive? Why does paying | | | | dispute items on your credit report and the credit |
| off an old collection can actually hurt your credit | | | | bureaus are required by law to conduct investigation in |
| score? How to make your credit history longer? How | | | | a timely manner. You can negotiate "settlement" with |
| to delete collections, late payments, liens and | | | | collection agencies that are just a fraction of the |
| judgments from your report? What is the perfect | | | | amount you owe. You can also ask creditors to delete |
| balance/limit ratio on your credit cards? How to | | | | a one time late payment due to unusual circumstances. |
| piggyback someone else's credit?The more you know | | | | Keep in mind that you do have leverage and make the |
| about the inner workings of the credit system, the | | | | most of it. |
| better your chances to raise you score fast. | | | | There are many ways to clear credit history. Just like |
| 2 Learn to think outside the box. | | | | with everything else in life there is the hard way and |
| According to the mainstream credit advisers fixing | | | | the smart way to do it. Once you start thinking outside |
| credit takes time, determination, financial effort, careful | | | | the box, fixing credit should be fairly easy. |