Posts Tagged ‘fico’
September 12th, 2009 | 
Author: 
http://www.KaydemCreditHelp.com
Call us: (866) 237-0013
You want to fix your credit, looking for a credit repair company that will raise your credit score? Welcome to Kaydem Credit Help
Rebuild Credit: Insider Credit Repair Techniques to Improve Credit Score Fast!
What’s the fastest way to raise your credit score? To quote the classic magazine salesman from the movie Office Space “That all depends”…
While the removal of negative items from your credit report will almost always result in an increase in your credit score, there is a method that works better.
Here’s why. Adding positive accounts is actually more effective at improving your credit score (in the short term) than removing negative one. Unfortunately, few consumers or credit repair companies know this.
One of the biggest problems with trying to get approved for new credit is that you need to “have” credit in order to be approved. This causes a sort of catch 22.
How does one “get” credit if no one will give them credit because they don’t have any credit to begin with? A vicious cycle indeed, but a real one. However, if you have someone you can use a cosigner this is NOT a problem. Simply have them cosign on the new credit application for you. If you don’t have a cosigner, read on.
Contrary to popular belief (or what myfico and credit repair companies would like you to believe), the largest factor in building a solid foundation for your credit score comes down to two credit scoring factors:
1.) The “High Credit Limit”
and
2.) Your “Debt to Credit” Ratio
Your high credit limit is simply the total amount of primary unsecured revolving credit lines you have (i.e. three credit cards at $5,000 each equals a high credit limit of $15,000).
Get it? Good.
Your debt to credit ratio is simply the amount owed on these cards in relation to your high credit limit (i.e. if your high credit limit was $15,000 and you owed $7500 your debt to credit ratio would be %50).
Keep in mind, your high credit limit is comprise ONLY of your total amount of unsecured revolving lines of credit. Home mortgages, auto loans, student loans, equipment leases and debit cards do NOT count towards your high credit limit.
A debt to credit ratio of 25% or less is ideal. Of course, there are many other factors which come into play, but keeping it simple, how does one improve credit score via increasing their high credit limit and lowering their debt to credit ratio?
That is the question….
The fastest way we have found is by adding primary user unsecured revolving lines of credit which are guaranteed approval (note: these are NOT authorized user accounts!).
These are unsecured lines of credit which appear on your report just like a visa card, mastercard or department store card etc.
We have found that while unsecured credit is the most difficult to obtain, it has proven to be the highest scoring on ones credit report. To find out the fastest we’ve found to add primary unsecured revolving lines of credit to your credit report, please visit:
http://www.KaydemCreditHelp.com
Duration : 0:2:2
Tags: Advisor, analyze, annual, bad, basics, best, bureau, Card, Certified, CFP, check, consolidation, counseling, credit, credit repair company, Debt, dummies, education, fico, financial, fix, for, fraud, get, guide, Help, history, how, how to fix my credit, identity, instant, internet, kit, learn, learning, Lightship, line, loan, management, Mutual, of, online, out, personal, Planner, Raise My Credit Score, reduction, repair, settlement, solutions, theft, to, unions, visa | 
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http://creditleaper.com This credit repair 12-Video Course outlines how to increase your FICO score by 150 points in days. Delete bankruptcies, foreclosures, etc. Go to at http://creditleaper.com
Duration : 0:9:5
In this 5 minute video, I’ll show you my wife’s actual credit score. It went from 604 to 686 in 60 Days. I think it will go even higher the next 60 days. Visit http://www.StartMyCreditRepair.com
Duration : 0:4:27
Waterfield Credit - America’s most trusted credit repair company, was on Channel 8 NBC in Tampa FL. Teaching people how to fix credit and repair their own credit reports. This is not a funny video. Millions of people are Ranking this video, The Top video on youtube because credit is very important! How do you fix your own credit? www.waterfieldcredit.com or www.eatmydebt.com check them out. Call Drew and his company today to get your life on track. Gayle is a very attractive woman. Understanding why souja boy and rihanna love waterfield credit is simple. There are so many benifits to understanding mtv music videos and how to get codes on guitar hero.
Duration : 0:1:45
Tags: adriana, advice, american, anderson, attractive, Awards, bedford, best, boy, brad, Canole, clooney, crank, credit, Dance, dat, Debt, diego, Drew, Eat, ebay, fico, fix, foreclosure, funny, george, girl, Guy, Help, heroes, hot, how, idol, iphone, john, legal, lock, make, mccain, miami, models, money, MTV, music, my, news, Obamma, pam, pitt, pop, ranked, repair, Rihanna, ryan, san, seacrest, settlement, Sexy, Shortsale, soulja, Tampa, teen, teens, to, top, trl, tyson, video, women |
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A Summary of CEMLending.com’s credit repair Video consisting of 5 videos, 101 Essential Tips to Legally Repair Credit and Writtein dispute information
Duration : 0:1:48
Tags: credit, dispute, equifax, experian, fico, instructions, online, repair, score, transunion |
2 Comments »
http://www.creditsecretsbible.com
credit repair FACTS and FALLACIES: 6 Ways to Separate Fact From Fiction!
Credit bureaus like experian, equifax and trans union are not government agencies. They are privately held for profit companies….
So many consumers freak out about their credit report and the credit bureaus. It’s the like the credit boogeyman is chasing them in a bad credit dream (or credit nightmare).
So much information is conflicting it’s easy to get confused. Most banks and credit bureaus like trans union, equifax and experian would love you to believe that the only thing that can repair your credit report is time.
Laughs….
How about all the errors and inaccurate information? Can that only improve or heal over time as well?
let’s face it. You’re worth more to the credit bureaus and banks with bad credit then good. You’re worth more with a low credit score than a high credit score. So, is it any surprise the system is slanted and almost all the errors are in the favor of the banks and credit bureaus like experian, equifax and trans union?
Hmmmm….
Can 100% accurate information be removed from your credit reports? Actually, contrary to popular belief, it can. Nothing prohibits a credit furnisher of information (FOI) from removing accurate information from a credit report.
Even if it is negative or derogatory. Remember, credit bureaus are really in the business of selling information.
It just happens to be that negative information is more profitable than positive (wait a minute. That sounds like the news). Anyway…
Even if you’re a “good citizen” you have to understand that each bureau has it’s own sources and methods for calculating your credit score. It does not all come down to a company called Fair Isaac, FICO or www.myfico.com in Minneapolis Minnesota.
Different credit bureaus generate different consumer credit scores. Sorry. We don’t make the rules. We just help you learn how to play the game better.
And no matter what anyone says, credit repair is not INSTANT and guaranteed (even if Johnny Cochrane comes back from the dead and becomes your personal credit attorney).
The credit system is really unpredictable and part of the process is a random roll of the dice. In the end, it is persistence and experience that makes the difference.
A good credit restoration company will do a better job that you ever could on your own but it will not happen for $49 a month. To do it right it will cost much more.
Credit restoration can be done on your own and every situation is different. Whether you choose to do it on your own or hire a company that fact is that it is better to do something than nothing.
Unfortunately, most people are doing nothing (at least right now anyway). Don’t make this mistake. The time to invest in your credit is NOT when you need it, but 1 to 2 years BEFORE you need it.
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Duration : 0:9:59
http://www.lightshipmutual.com/swabthedeck.php
Home mortgage. Car loan. Employment. Insurance. Your ability to obtain all of these financial goals is directly dependent upon your credit history. Do you even know what your credit scores are? Well, it’s time to obtain, analyze, and repair your credit reports and to finally take control of your financial future.
A swab is a yarn mop. The crew on board fishing boats swab the deck many times daily to wash up splashes, spills, and the foul smell of fish. This keeps the boat clean. In financial planning, your personal credit also need continuous swabbing in order to improve your awareness, prevent identity theft, and eliminate the fishy smell of reporting errors.
With Swab the Deck, the primary focus is analysis. We will teach you the fundamentals of responsible credit management. At the same time, we realize not everyone is beginning with a clean slate, so we will also share techniques for removing inaccurate negative information from your credit reports as well as how to best build a positive history from scratch.
Duration : 0:2:52
Tags: 101, advice, Advisor, analysis, analyze, annual, bad, basics, best, build, building, bureau, Card, Certified, CFP, check, consolidation, counseling, credit, Debt, dummies, education, establish, fico, finance, financial, fix, for, fraud, free, get, guide, Help, history, how, identity, information, instant, internet, kit, learn, learning, Lightship, line, loan, management, Mutual, my, of, online, out, personal, Planner, reduction, repair, report, score, service, settlement, solutions, theft, Tips, to, unions, visa |
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What can consumers do to get credit in todays world? A critical piece is knowing about your FICO® score, how it works, and how to make sure yours is the best it can be. Fair Isaac is helping consumers through a program that delivers FICO® scores free as part of online banking statements, and free information presented at www.myfico.com. Find out more in this short video from FICO™, the creators of the FICO® score that is used in most lending decisions in the U.S. Darcy Sullivan of FICO™ interviews Mark Greene, FICO™ CEO, for this FICO Tech Talk.
Duration : 0:3:5
http://www.credit4profits.com
Learn about Starting a profitable home-based credit repair business.
http://www.creditrepairprofits.com
Duration : 0:6:41
http://www.debtconsolidationupdates.com/2129/no-equity-debt-consolidation-program-is-it-right-for-you/ One popular way for people to manage their debt is by using the no equity debt consolidation program.
Duration : 0:2:51