What Everyone Needs to Know
Question: Why Should I Care What My Credit Score Is?
Answer: Having a Higher Credit Score Gives You Many More Choices. With a Good Credit Score You Get To Call the Shots. You Decide Who Has the Privilege of Doing Business With You. Having a Better Credit Score Allows You to Borrow at Better Interest Rates And Better Terms. Insurance Rates May Also Be Significantly Lower.
Question: How Do They Come Up With Credit Scores?
Answer: Credit Scores Are Derived From Different Models that Are Calculated From Their Formulas that Are Designed to Show the Likelihood that the Borrower Will Become 90 days Late or Delinquent on an Account Within the Next 24 Months.
Question: What About Those Companies that Offer Credit Repair?
Answer: BEWARE! There is No Magical Way to Instantly “Doctor” Your Credit Score. Many Companies Make Outrageous Claims About How “They” Can Make Your Credit Problems Go Away. This is Simply Not True. Most of These Companies Actually Hurt Your Credit More Than They Help You. Even the Consumer Credit Counseling Services Can Significantly Damage Your Credit.
Question: What About Those “Free” Credit Report Companies that Have Popped Up All Over Recently?
Answer: Again, BEWARE! I Have Yet to See Anything That is Actually FREE From Any of These Companies. Some of Them Will Give You One Free Report With NO Credit Score Unless You Pay For It. Some Will Give You One Score From One Bureau And Want You To Pay For the Other Two. Most Want To Sign You Up For a Monthly FEE Program. They May Give You a Couple of Months With No Charge And Then They Debit Your Credit Card. Maybe They Should Have a Website, Something Like “NoSuchThingAsAFreeCreditReport.COM” You Can Improve Your Credit On Your Own With NO Monthly Fee if You Just Know a Couple of Trade Secrets.
Question: What About Those Monthly Monitoring Companies That Look Out For Fraud, Identity Theft And My Well Being?
Answer: I’m Sure Most of the Companies Are Probably Fine. But Why Do You Need Another Monthly Payment? Chances Are…You DON’T! There’s A Very Little Known Technique You Can Implement To Prevent Identity Theft. You Simply Send A Fraud Alert To the Credit Bureaus. Only 3 Short Letters, 3 Envelopes and 3 Stamps. It’s That Simple. NO MONTHLY FEES!
Question: What If I Have Filed Bankruptcy Or Already Have Collections And Judgments?
Answer: There Are Several Ways to Improve Your Credit Score Even If You Have Filed Bankruptcy And/Or You Have Collections And Judgments. There Are Little Known Things You Can Do No Matter Where You Are.
Question: What If I Have Good Credit? Can I Still Improve My Score?
Answer: You Can Always Improve Your Credit Score No Matter Where You Are At.
Question: What If I Am Starting Out OR Re-Starting Out in Life And Don’t Have Any Credit?
Answer: There Are Some Ways To Establish Credit When You Just Know How. It’s Not Difficult And It can Be Done.
Question: What If Some Of the Information Is Incorrect on My Credit Report?
Answer: You May Dispute Incorrect Information On Your Credit Report. The Bureaus Must Verify the Information As Being Factual In Order For It To Remain On Your Credit Report.
Question: Can I Add My “2 Cents Worth” To My Credit Report?
Answer: It’s Not Well Known And You Can Add Your “2 Cents” To Your Credit Report. The Bureaus Allow For You To Add Up To 100 Words to Your Credit Report to Explain Your Situation, i.e. Divorce, Illness, Accident, Laid Off, etc…
Question: What Else Do I Need To Know To Increase My Credit Score?
Answer: In Addition To All These Questions There Are Many Other, Easy to Understand Techniques To Improve YOUR Credit Score. I Have Put Together Some Very Prudent, Little Known Information on Improving Your Credit Score.
HOW TO IMPROVE YOUR CREDIT SCORE
WHAT EVERYONE NEEDS TO KNOW
By: John R. Lee
Most of the information contained in this text has come from experience, i.e. blood, sweat, tears, trials and errors. What started off as a necessity from my own circumstances, turned into a lifetime quest to help others obtain financial intelligence in regards to their credit. There seems to be a lack of good information when it comes to your financial and credit well-being. It is my intent to provide you with good information that you will be able to apply to your own situation and betterment. Just by opening these pages you are taking a very important and giant step towards upgrading your life. Regardless of where you are currently there is always room for improvement. Our hope is that our experiences will be beneficial for you. Thank you for taking the time to increase your education and understanding of Improving Your Credit Score.
About the Author
John R Lee has been in the financial service industry for over 25 years. He has been a mortgage broker for over ten years working with nonconforming borrowers and lenders. Through John’s innovative debt elimination program and education he has helped many that thought they were credit impaired. He has also worked extensively as an insurance agent in all lines. In recent years he has become a real estate investor buying and selling properties. Also working with many first time homebuyers he is currently involved with owner financing properties. By educating those that have credit issues John has been able to assist many in overcoming what has seemed like credit nightmares and turning those into “dreams come true” situations. This ongoing education continues to add to his tremendous success.
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