| Are you hoping to buy your dream house or brand | | | | report. All other types of negative information |
| new car, but fear being turned down by creditors? | | | | (collections, legal judgments, late payments, credit |
| Does the job you want require a mandatory credit | | | | inquiries etc) are subject to change and can be |
| check? Are you trying to obtain a business loan, but | | | | deleted from your credit report if, of course, you put |
| fear the high interest rates. Whatever you specific | | | | enough effort in the process. Rank the adverse items |
| problem is, fixing credit is always a good idea. | | | | in your report in order of importance and start working |
| Here are 3 simple tips that will help you boost credit | | | | on the most detrimental items first. |
| score fast: | | | | 3 Choose the right strategy when approaching |
| 1 Learn the rules of the game before you start playing. | | | | different credit bureaus, collection agencies, creditors. |
| Knowing the rules of the credit game is vital if you | | | | It's important to choose the right strategy when |
| want to raise your score fast. How is your credit | | | | approaching different agencies. What works with |
| score calculated? Which is the single, most important | | | | collection agencies might not work with credit bureaus. |
| factor in the FICO formula? Why do current negative | | | | And vice versa. For example, if you made a one time |
| items affect your score more adversely than older | | | | late payment on your car, you can send a goodwill |
| items. How long do negative items stay on your | | | | letter to creditors explaining the circumstances |
| record? What kind of items can you dispute with credit | | | | surrounding the late payments. Be diplomatic and polite |
| bureaus? Why should you always ask for verification | | | | and ask them to remove the late payment from your |
| of debt from credit bureaus, collection agencies and | | | | record. Promise to be a good customer in the future. |
| original creditors? How to get different agencies to | | | | Being "nice", however, doesn't always work with |
| remove items from your record? In a nutshell-the more | | | | collection agencies. Utilize more aggressive strategies |
| you know about the credit system, the better your | | | | with them. Ask collection agencies for validation of |
| chances of raising your score fast. | | | | debt. Hassle till you reach a settlement amount that |
| 2 Learn how to read your credit report. | | | | satisfies you. If the collection agencies are slow to |
| You can obtain a copy of your free credit report from | | | | respond or unwilling to negotiate, threaten to sue. |
| Once you have the report, spend enough time | | | | There are different ways to boost credit score. Credit |
| analyzing it. Items like bankruptcies and foreclosures | | | | knowledge and perseverance, however, seems like |
| cannot be "fixed". There is not much you can do here | | | | the fastest route to better credit. Once you start |
| but wait for 10 years( bankruptcies) and 7 years | | | | thinking outside the box, you will be surprised to find |
| (foreclosures) till the items fall off from your credit | | | | how easy credit repair actually is. |