The Unconventional Guide To Credit Repair

By Joshua Mitchell

ABOUT THE BOOK

There are thousands of credit repair companies operating globally, which can make it difficult and intimidating to find the right one for your needs. However, you must take the time to find a reputable one and one with the knowledge, experience, and ability to provide the level of service and results you deserve.

• Language: English
• Publisher: Blanca, LLC
• Release date: Nov 8, 2021
• ISBN: 9781088015490

Book preview

INTRODUCTION

Most people have points in their lives when their finances plunge, and their credit drops below an acceptable level. Your finances may be due to your financial habits or due to events beyond your control, such as being the victim of a financial crime, being laid off from work, or a medical emergency. Do you know you can have loans to boost your financial life? Whether or not you have considered seeking credit from a lending institution, this book will enlighten you on how to use credit and credit reports to enhance the quality of your life.

Are you looking out for ways to repair your credit score or improve your credit score? Do you know that your payment history is one of the essential determinants of your credit scores? To request credit, you will be required to submit some personal information in your report to identify you. It contains basic information like your name, address, and place of employment. You may also have your previous addresses and employment included if you supplied the information.

It’s not uncommon to have variations or misspellings of your name. Most credit reporting agencies leave these variations to maintain the link between your identity and credit information. In this book, you will learn what do I do if there are errors in my account.

Given how important your credit history is to your financial health and your ability to access certain loan facilities or to be able to acquire certain products, it is important that you are abreast of your credit history, not just because having your report at hand makes it easier for you to plan, but also so that you can detect if you have been a victim of financial fraud.

In this book, you will learn how to repair your credit or increase your credit score as well as how to get and read your credit report. I have also extensively explained how to stop collection agencies, how to avoid credit scams, and how to get your finances back on track. This book covers the subjects of credit mix, hard inquiry removal letters, and authorized user tradelines. You will also learn how to dispute an error on your credit report. This book has thoroughly discussed FICO score, payment history, and length of credit history. Ride with me!

CHAPTER 1:

REPAIR YOUR CREDIT OR

INCREASE YOUR CREDIT SCORE

Your credit score is one of the essential yardsticks of your financial health. It shows to your lenders how trustworthy you use credit. If you prioritize having a high credit score, you will definitely find it easier to apply for new loans and lines of credit. If you have a high credit score, you can gain access to low-interest rates when you borrow. Are you looking out for ways to repair your credit score or improve your credit score? There are various strategies to adopt. However, it requires some effort and time. There are step-by-step guides that have been proven to help you accomplish a better credit score. Some simple steps such as opening accounts that report to the credit bureaus, maintaining low balances, and paying your bills as when due can be the game-changing tips that you need.

You can attempt to increase your credit score by receiving credits for making payment of some personal bills such as your utilities, cell phone, and streaming service. Nevertheless, it can be hard to know where to begin. Whether you are raising your credit from the beginning or repairing your bad credit scores after it has