"How I Quickly Raised My Credit Scores To Over 700 By Following These Simple Tips!"

Important:  Is raising your credit scores legal?

The free credit tips I reveal here and in my free email course are all legal ways to increase your credit scores. If you are looking for illegal tactics (creating new identities, buying trend lines, etc.) you will not find them here. We do not support using any of these methods.

In fact, here is a quick video on the legality of raising your credit score from attorneys with the Lexington Law Firm, the largest attorney owned credit repair company in the US:

 

Why are your credit scores are so important?

Your credit scores directly affect many of your financial transactions, including:  buying a home with a mortgage, borrowing money to purchase a car, getting good credit card interest rates, and even applying for a job. 

Making sure your credit reports are correct and that your credit scores are as high as possible is one of the easiest ways of saving money every month.

Your credit scores tell a lender very quickly and efficiently how likely you are to default on a loan. The lower the credit score, the higher the interest you will have to pay - because the lender has to take on more risk to lend you money, because of your past payment history.

 A quick summary of how

to raise your credit scores:

1.  Do you have a current copy of your three credit reports and three credit scores? If you don't have this information yet, this is crucial. Before you can start raising your credit scores, you need to know exactly what is on your current credit reports as well as what your current credit scores are.

We always  recommend ordering your free credit reports as the first step, unless you already have a current copy.  Our recommendation is to compare the various free credit report offers and pick the one that gives you all three credit reports and three credit scores (from the three credit agencies) -- here's a site that compares the various free credit report for you.

A thorough credit reports will show your 3 credit reports along with your 3 credit scores. Ordering your credit reports online lets you view your credit reports right away. By having all of this important information in front of you, you can then decide what actions you need to take next...

2. Your next step is to read through your credit reports and identify the issues. Most folks we have helped have low credit scores because of high debt levels; derogatory items (negative items, late pays, liens, charge offs, etc.); not enough credit history; or a mixture of these types of issues.

(Our free email course will walk you through your credit report with screenshots in greater detail and help you understand and find all the negative items you need to address for a higher score. See also the section below on how credit agencies determine your score.)

Note: Some free credit reports also include a free "credit analyzer." (see example below) This tool helps you understand why your credit scores are low.   

Credit Analyzer Screenshot Example:

3. Once you know the real facts about your current credit report, and what is dragging down your score, you will need to figure out your best course of action.

Here are four ways you can increase your credit scores:

• Negotiating with your creditors to settle or reduce debts - you can often agree on payment plans or reduced payments in return for creditors removing negative information from your reports.
• Disputing in writing with the credit agencies all information that is false, duplicated,  misleading, outdated, etc.
• Optimizing your credit card usage -- for example, you should ideally not be using more than 30% of your outstanding credit on any card, though you also have to take individual interest rates into consideration.
• Use "goodwill letters" to remove recent late pays.  We have a some sample letters in our free email course - this will give your credit score a big boost.

Check out the section below on how agencies determine your score for more tips on how to figure out the best course of action, or subscribe to my free email course for more details.

At this point, you can choose to:

1.) Educate yourself and put in the time and effort on raise your score on your own; or

2.) Hire a credit repair firm to do the work for you.

Either approach can be effective, it depends upon you and your individual situation. (more about these two options at the bottom of this page)

You need to always remember that taking action to raise your credit scores could save you thousands of dollars in interest over the next couple of years.  It might take some time, money and effort, but you can end up savings thousands and thousands of dollars in the long run! 

 

How credit agencies determine your credit score and why you need to know this!

Now that you have your credit reports, you should know that the three main credit reporting agencies are Experian, TransUnion, and Equifax. Since some lenders only report to one of these three companies, you will probably have three different credit reports and 3 different credit scores based on the different information each credit agency has about you.

Most companies that lend you money will report your activities (on time payments, non-payments, credit lines, etc.) to at least one of these credit agencies. These credit agencies are private companies and are not owned by the government. (many folks think they are somehow owned by the government - which is huge myth). However, these agencies are regulated by federal and state laws.

Moving on, your credit score is determined by the following estimated % breakdown:

• 35% Payment history - Late payments, no payments, etc.
• 30% Outstanding debt - Total value of your debt outstanding compared to your total credit line available. The lower this ratio is, the better. (more on this later...)
• 15% Length of your credit history - How long have you had credit history
• 10% Recent inquiries on your credit report - Credit card and other credit applications .
• 10% Types of credit in use - Credit cards vs. car loans, mortgages, etc.

Below is a table showing a sampling of possible different score ranges and how they can affect a mortgage payment:

Score Range	Rating	Extra cost per year for a 300K typical home loan
760+	Perfect	$0
700 - 759	Excellent	$432
660 - 699	Average	$888
640 - 659	Fair	$2400
620 - 639	Low	$3600

Once you've received your credit report, look at the percentage breakdown above and focus on the things that will help you increase your credit scores.

Some lenders will look at the scores from all three reports, while some might only look at one. Remember, you don't lose any credit score points for checking your own credit report. Again, because each credit agency has different information about you, you will probably have 3 different credit scores.

Some key things to keep in mind as your read your credit report:

A key thing to remember is your credit score is not based on how "clean" your credit report looks. You may have many things on your credit report that drag on for years, but remember these are good things because they show a long credit history. As long as they don't show late payments, they are adding points to your credit score - because you have proven to be a reliable consumer who can pay back debts in a timely matter. (Lenders are really looking for these types of people, consumers who take on debt and then pay it back on time.)

How to understand your payment history on your credit report:

Payment history makes up 35% of your credit score.  First thing is please don't bother contacting old vendors and trying to close accounts since it might actually hurt your score! Again, the items you are very interested in are late payments, judgments, delinquencies, etc. that are within the last 3 years.

You can close accounts that are less than a year old, however we recommend focusing your energy on things that can really make a big difference. If you have negative information that is over 7 years old on your credit report, go ahead and dispute it since most of these items can be removed. 

Should you hire a professional credit repair agency?

If you are thinking of hiring a professional credit repair agency, we recommend getting your credit report first, and then seeing how many negative items you currently have. If your score is low because of high debt levels (high credit ratios), hiring a credit repair agency is not a good idea since they can't help you pay back your current (under 30 days late) debts. (if you have older debts that are still open, a credit repair agency can help you negotiate those debts)

However, if your credit score is low because of late payments, derogatory (negative) items, judgments, liens, etc. - then instead of doing the work yourself of trying to remove these negative items, you may want to hire a credit repair agency to do the work for you.

Credit repair agencies do the leg work for you to save you the time and hassle of learning what to do and actually mailing out the letters and tracking responses.  There are many firms that offer these  types of services, however we only recommend you use the Lexington Law Firm.  Why?

The Lexington Law Firm legally removes negative items for you - they do this for you by disputing items that are unverifiable, incomplete, misleading, biased, or not yours.

Of course you can do this work yourself, but it takes a lot of time and energy to get right because you have to learn the various statutes. (It's like painting your house, you sometimes want to have a pro do the work for you...) We recommend using the Lexington Law Firm because:

• The Lexington Law Firm is a real law firm with over 600 employees, have helped over 500,000 customers since 1992, and use 22 attorneys in 16 states. You can also call them at 1-800-230-3915 to further discuss any of your issues.
• The Lexington Law Firm is affordable and charges $39/month which includes a full money back guarantee if they don't get you results. They don't charge any money upfront until the first round of disputes is done for you.
• By using the Lexington Law Firm you are using the largest and oldest attorney owned credit repair company in the country. They have a unique system that automates how they get your credit reports monthly. If you sign up with them, you will also get a personal phone call from one of their lawyers for free, if you wish.

If you have negative items on your credit report, this is one of the easiest ways of raising your credit scores. Learn more about the Lexington Law Firm today, or give them a call directly at 1-800-230-3915 for a free consultation. Here is a quick video about the Lexington Law Firm and some of their past clients:

Credit books and repairing your credit scores yourself?

A word of caution: There are many internet sites that charge you a small fortune for an eBook or even some "secret software" that will tell you "insider" ways to increase your credit score. What you need to understand is that these books mostly contain the same information - they recommend disputing negative items, removing debt and increasing credit lines.

You should also know that credit agencies are on the lookout for standard dispute letters, so using standard dispute letters found in any standard software package will probably not work very well.

Some of these sites will even tell you do things that might be illegal. Whatever they tell you, it involves work dealing with the three credit agencies, collection agencies, and other various parties that are on your credit report. That is why we recommend using a credit repair firm to do this work for you IF don't want to do the work yourself.

However, if you can't afford to pay for a credit repair firm you can still do the work yourself. If you do decide to go at it yourself, I recommend signing up for our free email course first. Going through our course and will give you the basic and intermediate knowledge of how credit scores work, what to do, and will help you with various issues including:

• Step by step instructions on how to read your credit report and find negative items affecting your credit score the most. Then use that information to prioritize on what to focus on first, so you can see results fast.
• Teach you how to effectively deal with old debts with collection agencies. This lesson alone can save you thousands of dollars, and rapidly change your credit score for the better.
• How to negotiate your old debts for less than 50% of what you owe.
• Give you insider information on how credit scores are calculated and why most folks do the exact wrong thing to try and improve their credit. (sometimes removing negative items can actually hurt your credit score!)
• Tips on creating a good credit profile so your credit scores stay high
• How to best approach removing late payments.

We currently have over 35,000 people just like you signed up for our free email course. We recently had a third party survey our users that had taken our course, and as you can see below over 85% of our users rated this course as either "excellent" or "great":

 

Get all of our best credit information as a free bonus...

As I mentioned earlier, there is no shortage of "secret" techniques that promise to raise your credit scores out there.  We have researched a lot of these eBooks, DVD's, etc. and they all basically say the same things.  After looking at all that was out there, we recommend you use the "37 Days to Clean Credit" course because it gives you the best bang for your buck in terms of information for the price.  Why spend more than a hundred dullards when you can spend less than $40 for mostly the same information?  We think the  "37 Days to Clean Credit" course is the best deal around, and so do many of his past customers.

Also, Chris Brisson, the author of the course gives you a unconditional 60 day money back guarantee.  As a special bonus for visitors of this site, we also offer a free copy of our "Maximize your credit scores in 60 days" eBook.  This eBook contains all of the information in our popular email course, and also lots of other extra tips we have learned over the years. Again, this eBook is a 100% free bonus worth $37 when you order the 37 Days to Clean Credit course.

Please note:  Our free eBook will be delivered instantly via email. If you ordered the 37 Days to Clean Credit Course, and you did not receive our free bonus within 10 minutes, please email me directly at:

jason@creditscoresexposed.com

I will make sure fix any issues for you as fast as possible.

Summary of steps for raising your credit scores...

Hopefully we've started you on the path to a higher credit score. To break it down again:

1. Get your credit reports and credit scores (Get your free credit reports here)

2. Make a plan of action and decide to:

• Hiring a company to help you - I recommend using the Lexington Law Firm because of their excellent track record of getting negative credit report items removed and their money back guarantee.
• Doing the work yourself - I recommend signing up for our free free email course for advanced techniques, negotiating with creditors, and two sample dispute letters you can use - that have worked for others in the past. Also, take a look at Chris Brisson's 37 Days to Clean Credit Course and our special bonus.

3. Make sure you fully understand your past credit mistakes. Also, make sure you use our tips to keep your credit score high in the future.

It is estimated that on a new car purchase for $20,000, the difference in payments between a person with good credit and bad credit is almost $10,000 over the course of five years.

This number gets much bigger if you are looking for a mortgage since you are paying higher interest costs over possible 30 years. You should do everything you can to increase your credit score and remember to check it before making a big purchase (house, car) so you can minimize your interest costs.

There are better things in life to spend your money on than high interest costs!

 

Get Your Free 3 Credit Reports and 3 Credit Scores Instantly Online

Need to raise your credit scores? The Lexington Law Firm can help you - call them at 1-800-230-3915 for a free consultation

Need more free credit tips?  Sign up for your free email course today!