| I want to make my credit score higher! These words | | | | - Get a Credit Line Increase To Drop The Ratio |
| are often uttered by people who just got turned down | | | | - Break Up The Balance Between Numerous |
| for a loan, insurance or even a job because they have | | | | Accounts. |
| bad credit! They often wonder what they can do to | | | | If you can make one of these options work for you |
| turn their bad credit around quickly. Listed below you | | | | then your credit scores will go up once your balance |
| will see a brief self credit repair plan that you can use | | | | to limit ration drops below the 50% range. The |
| to start boosting your credit scores right now! | | | | increase can be as much as 50 points and in some |
| How To Make Your Credit Score Higher | | | | cases more. |
| The very first thing that you should do is get a copy of | | | | Dealing With Negative Information |
| a tri merged credit report. A tri merged credit report | | | | Dealing with negative information is pretty straight |
| will list all three credit reporting bureaus and also the | | | | forward and easy. All you really need to do is draft a |
| information that each one is reporting about you. Next | | | | credit dispute letter that states your name, social |
| you will need to find the items on the report that are | | | | security number and the account number you are |
| causing your credit scores to drop. The common items | | | | disputing. you must also list a reason for disputing the |
| that will cause this are | | | | account. |
| - Late Payments | | | | The reason you are disputing the account is very |
| - Bankruptcies | | | | critical, do not just deny that you own the account but |
| - Over Limit Accounts | | | | list a specific reason such as the balance is wrong, |
| - Accounts With Balances Over 50% Of The Limit | | | | you never paid late, ETC. These reasons are harder |
| - Charged Off Accounts | | | | for the original creditor to prove and by Federal law |
| - Judgments | | | | they must prove you wrong not the other way around! |
| - Back Child Support | | | | How Self Credit Repair Works |
| One you have made a list of the items that are pulling | | | | How it works is that you send the dispute letters to |
| your FICO score down its time to deal with them and | | | | the major credit score reporting agencies. The |
| get your scores increased. | | | | agencies will then contact the original creditors and ask |
| For Accounts With High Balances | | | | them to verify the information they are reporting. If |
| To deal with accounts that are over the limit or are | | | | they cannot or choose not to investigate your claims |
| over 50% of the account limit you really have three | | | | then the item will be removed from your credit report |
| options to choose from. | | | | and your score will increase. |
| - Pay Them Down | | | | |