| If you are looking for a quick FICO fix, you are not | | | | term credit interest. Certain people give up fixing credit |
| alone. 35 million Americans have less than stellar credit | | | | altogether and pay an arm and a leg to credit repair |
| and the number keeps rising fast. Insufficient income, | | | | services. Others embark on a long and laborious |
| unexpected layoff, divorce, health or family | | | | journey of careful budget planning, financial discipline |
| problems-the reasons behind the drop in your FICO | | | | and curbed spending with the ultimate goal of paying |
| score could be various. Yet the result is almost | | | | off debt in full. Don't forget that there is more than one |
| invariably disastrous. | | | | way to skin a cat!!! Or in other words-by focusing on |
| Here is a list of the 3 most common mistakes that | | | | one strategy, you are missing out on a lot of credit |
| people make when trying to fix credit score. | | | | repair action. Negotiate, dispute, delete, request |
| 1. How to raise credit fast?...Don't take a shot in the | | | | validation of debt, exercise your legal rights specified in |
| dark | | | | the FCRA and the FDCPA, send goodwill letters to |
| In order to raise your credit, you've got to have a clear | | | | creditors-there are so many things you can do when it |
| plan. Don't take a shot in the dark...it won't work. You | | | | comes to credit repair. The key, of course, is to start |
| have to know the mechanics of the credit system and | | | | thinking outside the credit box. |
| the various loopholes in it. What's the anatomy of your | | | | 3. Go whole hog. |
| FICO? Which are the most significant factors for your | | | | The third most common mistakes in the world of credit |
| final score? What's the perfect balance to limit ratio on | | | | repair is "lack of perseverance". A lot of people take |
| your credit cards? How to dispute inaccurate or | | | | action, but fail to follow up. Why? Because they get |
| outdated info on your credit report? How to request | | | | discouraged by a few setbacks. Well, let me tell |
| validation of debt from credit bureaus, collection | | | | you-setbacks are a standard part of the process. The |
| agencies and original creditors? How to remove | | | | collection agencies will not always accept your |
| mistakes on your credit report within 48 hours (Rapid | | | | settlement offers. Credit bureaus will sometimes turn |
| Rescore strategy)? How to dispute separate listing | | | | down your disputes and will refuse to delete the |
| within a negative account (Dispute 623)? How to use | | | | negative accounts from your record. That's a part of |
| the "pay for delete" strategy? How to convince | | | | the credit repair game. Don't let miner obstacles |
| collection agencies to settle for the minimum possible | | | | discourage you. I can't stress enough the importance |
| amount? How to prolong the length of your credit | | | | of this one-perseverance pays off! |
| history? In a nutshell-you've got to have an | | | | There are different ways to achieve FICO fix. Some |
| understanding of the inner workings of the credit | | | | require time and financial effort. Other require credit |
| system and a plan of action that is tailored to your | | | | knowledge and a dose of perseverance. Once you |
| specific credit situation. | | | | start thinking outside the credit box, you'll be surprised |
| 2. There is more than one way to skin a cat. | | | | to find how easy credit repair actually is. |
| One-sided way of thinking is working against your long | | | | |