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Increase Your Credit Score -FAST!

Uncover honest and straightforward processes you can use to improve and update your credit reports and qualify for the financing you need and deserve.

Discover how to use credit wisely and how to stop accidentally damaging your credit!
Techniques you can utilize immediately to begin increasing your credit scores.

Find out how to receive your credit reports free from each of the three bureaus. You may not need to pay for your report or sign up for a monitoring service to get your report for free.

Discover the dispute strategies that are guaranteed to make the credit bureaus take notice. You CAN get your credit report corrected, by yourself, quicker than you might think! Click here for more info

 

 

Useful Tips When Choosing Credit Cards

Chances are you have received your share of “pre-approved” credit card offers in the mail, some with low introductory rates and other perks. Many of these solicitations urge you to accept “before the offer expires.” Before you accept, shop around to get the best deal.

Credit Card Terms:


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Will Inquiries Lower Your Credit Score ?



What are inquiries?

When you apply for credit the creditor or lender checks your credit report to verify that you qualify for the credit or loan you are applying for. The “inquiry” is then reported to the credit bureaus and shows up on your credit report.

Does this affect your credit rating or score?

Yes, it does. Although only a few points are deducted from your score for each inquiry, having multiple inquiries may drop your score to a lower bracket, forcing a higher interest rate. You may not even qualify for the loan or line of credit at all.

Will requesting your credit report generate an inquiry?

This is a common misconception and is totally false. You should view your report at least once a month. Doing so will not generate any inquiries.

What if you did not authorize an inquiry, can you dispute it?

Yes. If you did not authorize any of the inquiries on your credit report you can and should dispute them. To dispute inquiries obtain your credit report, then make a copy of your credit report, highlighting the inquiries in dispute. Finally, send the copy of your highlighted inquiries along with a letter demanding the inquiries be deleted from your credit report to the credit bureau.

Is it worth it?

The next time you are out shopping and the salesperson asks you, “Would you like to apply for our credit line and receive 15% off your purchase?” Ask yourself, “Is it worth it?”

Scott Brown is a fair credit reporting advocate and the author of his own website Credit Repair, a free information site dedicated to help consumers repair bad credit and optimize their credit reports and credit scores.



 Author: Scott Brown

“Anything a credit repair company can do, you can do for yourself by using this e-book!”

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