| The importance of your credit score goes beyond | | | | conduct proper investigation in a timely manner and |
| shopping for houses or brand new cars. The three digit | | | | correct the error. If you are not satisfied with the |
| FICO score can affect where you live and where you | | | | correction, you have the right to add a brief statement |
| work. Creditors, employers, landlords, insurers-all of | | | | about the issue to your report. Under the Fair Debt |
| them are pulling credit reports in order to evaluate | | | | Collection Practices Act creditors are required to send |
| applicants. The growing significance of your FICO | | | | written notice informing the debtor that they will place |
| makes having a good score a necessity. | | | | a negative item on his/her report. If no such written |
| Here are 4 simple tips that will help increase credit | | | | warning is sent, creditors are in violation of the FDCPA. |
| scores fast. | | | | The more you know about your legal rights, the better |
| 1 Credit repair services vs Do-It-Yourself approach | | | | your chances to choose the right strategy when |
| When it comes to credit repair, a lot of people feel | | | | dealing with various credit agencies and debt |
| helpless and overwhelmed. They turn to credit repair | | | | collectors. |
| companies and pay exorbitant fees. In reality, there is | | | | 3 Which skills do you need to master? |
| nothing a credit repair company can do to improve | | | | The ultimate goal of fast credit repair is the deletion of |
| your credit that you can't do yourself. Besides, there | | | | negative items from your report. The deletion can only |
| are many scam services which charge you for credit | | | | be achieved through "dispute" and "negotiation". |
| repair efforts before they provide any service or do | | | | Negotiate with collection agencies till you reach a |
| not tell you your legal rights or what you can do for | | | | settlement amount that satisfies you. Dispute items |
| yourself. Keep in mind that with the right amount of | | | | with creditors, debt collectors and credit bureaus until |
| perseverance and knowledge you can do more for | | | | you convince them to remove the negative item from |
| your credit than anybody else. | | | | your report. In a nutshell-master the art of dispute and |
| 2 Learn more about your legal rights. | | | | negotiation and you are on your way to success. |
| Knowing your legal rights will help you find the right | | | | How to increase credit score? There are many ways |
| strategy when dealing with collection agencies, credit | | | | to raise your FICO. Some require financial effort and |
| bureaus and original creditors. For example, under | | | | careful budget planning. Others require credit |
| FCRA (Fair Credit Reporting Act) you can dispute any | | | | knowledge. Little known secrets and credit tricks can |
| outdated, incomplete, inaccurate, questionable, biased | | | | boost your credit in no time. Once you start thinking |
| or unverifiable item on your report. Credit bureaus and | | | | outside the credit box, you'll be surprised to find how |
| companies reporting to such bureaus are required to | | | | easy credit repair actually is. |