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My Journey from Bad to Excellent Credit: Achieved FICO ® Score 8 Credit Rating of 846

My Journey from Bad to Excellent Credit: Achieved FICO ® Score 8 Credit Rating of 846

My Journey from Bad to Excellent Credit: Achieved FICO ® Score 8 Credit Rating of 846

Al Jones had to hit rock bottom before he recognized the financial hole he had dug for himself. He had weakened his financial foundation with a series of poor decisions, and a criminal case of identity theft had struck the finishing blow. It would take a lot of work to repair his credit. Luckily, Jones was up for the challenge! He now wants to share his insightful journey with you. As of 09/09/18, his credit score has increased to 848/850.

In this simple financial guide, Jones cove

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How to Avoid the Risk of Credit Score Damage Caused by Maxing Out Your Card

Putting a lid to the expenses you make on your cards is a big step to raising your score and preventing damage on your credit report if you’re to have a good rating. Judging from my present and daily experience of asking consumers questions, I’d say that a great number of people are still yet to find out the exact factors that puts them into financial trouble. Unfortunately, these troubles start from somewhere and one of the sources is the plastic money carrier given to us by banks and other companies.

The principle used by bureaus to calculate how much points they should deduct from your total score when using your card is based on the balance ratio formula. It is always expressed to the hundred. What I mean by this is that the total limit given to you on your card is considered at 100 percent. This is then compared against how much you’ve expended. If it is discovered that you’ve been spending close to the limit or you’ve been extravagant enough to max out your card, then you can be sure that you’re planning a financial suicide. Or in figurative terms, you’re on gradually on the brink of bankruptcy. Your card-provider interprets this to be financial desperation and thus report it to the bureaus.

The safe and positive option which will help you avoid the risk of damage to your file and also add good extra points to your total is to stay within the 20% zone. This is what I consider the “comfort zone.” For instance, if your total is $ 50,000, keeping your expenses below $ 10,000 will ensure that you’re building a good score gradually.

In any case, you’ll find the option of acquiring a restoration kit for the removal of other damage-causing accounts useful. This will be the point where you begin repair work on your file. Fixing your file is worth the effort when the benefits are considered, even if you’ve got a few negatives.

Visit do-it-yourself-credit repair or credit repair services to learn more on raising your credit score 200+ points to get approved for car, home and credit card loans.

5 Steps To Financial Freedom FAST: Eliminate Credit Card Debt, Boost Your Credit Score, Maximize Your Income

5 Steps To Financial Freedom FAST: Eliminate Credit Card Debt, Boost Your Credit Score, Maximize Your Income

5 Steps To Financial Freedom FAST: Eliminate Credit Card Debt, Boost Your Credit Score, Maximize Your Income

Many of us find ourselves in less than ideal financial situations. We scrape by month to month without getting any closer to a comfortable living. Not only are we not getting closer, but it seems like financial freedom continues to get further and further away.

This book was written for people tired of being a slave to their debt. These steps are for those who want to break out of the rat race and regain control of their lives.

In this book, you’ll find everything you nee

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How to Manage and conquer Credit Card Debt

How to Manage and conquer Credit Card Debt

Credit card debt is the worst possible debt to have hanging over your head. Between high interest, minimum payments and impulse buying, it is very easy to get in over your head. Add the bad economy with unemployment and inflation to put many people in a real trap.

This book helps you find the right option for you to deal with it. Avoid the scams and get on the right road back.

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Using the Debt-to-Credit Technique to Increase Your Score

Whenever there’s a need for anyone to raise the figures on their credit report, I recommend several methods. However, there’s one particular technique that anybody can use which, quite fortunately, requires just measure of self-discipline. It is the method of lowering your debt-to-credit ratio to the lowest possible. While some experts have advocated 10, 20 or 30 percent, I believe the 20 percent mark is a reasonable level you should aim. You will understand what these all means by the time you finish reading this article.

Your debt-to-credit ratio on your cards is calculated by dividing your total card limit for one month by your total spending for that same month. Imagine for a second that the limit your card-provider has given you for this month is $ 8,000. If at the end of the month it is calculated that you have made expenses totaling $ 6,000 then your ratio will be calculated thus: $ 6,000/$ 8,000=75%. Seventy-five percent is a very high ratio, and this is a figure you should try to keep to the lowest possible in order to raise your score. 75 percent will definitely impact your rating negatively as it will deduct points from your report.

The easiest way to stay out of credit trouble using your cards is to keep your expenses for every month to a maximum of 20 percent. Do not exceed this mark. If you feel a need to spend more but you do not want the negative consequence that will come as a result, you can talk to your lender about it. You stand a good chance of being approved for a limit increase if you’ve maintained a pretty good ratio.

The above methods I have explained will definitely make some remarkable improvement on your file, in addition to deleting erroneous or negative information that may be contained on your report with the reporting agencies.

Visit improve your credit score to learn more about ways to positively impact the scores that are attached to your Equifax, Transunion and Experian file!

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