Credit Repair

Credit Repair for Everyone
Everyone wants their credit score to be as high as possible. Not everyone is a candidate for credit repair, but most people can utilize these score raising techniques to one degree or another. For some it is a matter of recovering after a period of financial difficulty, others may only need a little tune-up. Here are the best ways to improve your credit scores, and keep them up!
Positive and Negative Issues
There are two areas that must be addressed as part of any credit repair effort, the positive and the negative. Without positive credit your scores will go nowhere regardless of any progress you make removing erroneous derogatory information. And unless you clean up the negative errors that are weighing down your scores you will be handicapped without the presence of positive credit on your report.
Open and Active Accounts
Building positive data on your report for credit repair purposes does not have to be difficult. Secured credit cards are the perfect way to develop positive history even if your current scores make it impossible for you to qualify for regular unsecured accounts. If your scores are not too bad you may be able to obtain regular cards. Either way, make sure that you have open active accounts showing on your report.
Managing Open Accounts
Before we discuss credit repair techniques for dealing with the negative issues on your report it is important to touch on the ways to manage your open active accounts. It is common sense that you must make your payments on time; a late payment can be a terrible setback. But if you really want the best scores it is critical that you maintain your balances properly.
Using Your Balances Properly
High revolving balances will hurt your credit scores. Conversely, low balances will help. The extent to which this factor can impact your results is very dramatic. There are certain percentage breakpoints that you can focus on: 20, 40, 60, and 80 percent limit usage. If you run a balance up over 80 percent your scores could fall by 100 points. The best credit repair results will come from bringing your balances under the 20 percent mark.
Finding the Errors Can Be Hard
The negative information on your report presents a different set of challenges. Most people these days are aware of the prevalence of reporting errors. What most people are not cognizant of is how subtle some of these issues can be. It is not always easy to find errors. It is not just a matter of looking for late payments you do not recognize. Many errors are hard-to-spot legal violations by collectors and other participants in the system.

Credit card tips. Help your credit out.

Leave your balances at 30% and below of your credit limit.  Simple as that.  You want your score to go up every month?  Then, do it.  Any open balances higher than that will drop your credit score. 

Have a great day folks!!

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Credit Innovations

I hope everyone is having a great weekend!! It's back to school time. 

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Everyone is approved!!!

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Click the above link.  Everyone is approved!!! Start rebuilding your credit now!!
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Helpful credit tips.

Be Punctual - Pay your bills on time each month. Late payments, Collection, and bankruptcies have the greatest negative effect on your credit scores.


Check your credit reports regularly and take the necessary steps to remove inaccuracies - Don't let your credit health suffer due to inaccurate information.


Manage your debts - Keep your credit account balances low.


Give yourself time - Time is one of the most significant factors that can build healthy credit. establish a long history of paying your bills on time using credit responsibly. You may also want to keep the oldest account on your credit report open in order to lengthen your period of active credit use.


Avoid excessive inquiries - A large number of inquires occurred over a short period of time may be interpreted as a sign that you are opening numerous credit account due to financial difficulties or overextending yourself by taking on more debt than you can easily repay. Apply for new credit in moderation.

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Credit Innovations

If you are in the market to purchase a new home, we can help get you qualified.  We partner up with numerous lenders and agents across the country to help our clients mortgage process an easy one.  Contact us for further details.

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Credit Repair, Credit Repair Services

We are doing big things here at Credit Innovations.  Call us at 888-498-3426 for further information.  We are averaging a 100 point credit score increases for our clients!!

www.cicreditrepair.com

Good morning everyone.

We will be offering discounts during the Month of August.  Please contact us via our website for further information.

Thank you.
Scott.
www.cicreditrepair.com

Good Wednesday to everyone.

I am trying my best to make sure I do a daily blog.  Yes, I'm 35yrs old and am just now learning this stuff.  Anyhow, just a normal day as usual.  If you have any questions about our services, feel free to contact us.  888-498-3426.  www.cicreditrepair.com

Rebuilding your credit.

There is a myth out there that most of our customers believe in, so let me clear up a few things.  We can clean up your credit reports.  That is the easy part.  The leg work belongs to you.  Having open and current trade lines is a HUGE part of building back up your credit score.  We can help.  We offer a variety of unsecured and secured credit cards to our clients.  We even have a new Mastercard that we now offer that offers a $2500-$10,000 credit limit that reports a 0 balance every month.  Now that my friends, is how you get things moving!!