Credit Report Score

This section is all about your credit report score, repairing credit score and raising credit score.

They Told Me There Was Nothing I
Could Do About My Very Bad Credit
. . . I Proved Them Wrong . . .
And I'll Show You Just
How I Did It!

- Stop Collection Agencies From Calling Instantly!

- Stop Collection Agencies From Reporting Now!

- REMOVE Negative Items From Your Credit Report!

- Learn A SECRET That Collection Agencies DON'T Want YOU To Know!

- Get Credit Building Secrets!

- And much much more.

[ Click Here For The Credit Book ]

The official credit report score is your FICO score (MyFico.com). All the other scores are really just guesses and not worth the money. You always want your FICO score, not just your credit report score. Make sure you always get the proper one.

Your credit report score is influenced by many things such as:

late payments
amount of credit in your credit lines
amount of credit in use
charge-offs
bancruptcy
tax liens
judgements
credit inquiries
collection items
number of credit lines
etc

Your credit report score can be reduced by as much as 100 points if you use too much credit. For example, if you have $100 in total credit available to you and you currently are using $50 worth, your utilization is 50%. Anything over 30% and you start getting knocked down. It is vital you keep your utilization under 30%.

Your credit report score is also reduce each time you do you make a payment on time, have an item in collections, and even excessive inquiries can knock your score down (normally a few points each).

Additionally, your credit report score gets reduced when you have new credit. Typically, it will get back to normal within 6 months, but initially your credit report score will take a hit.

Repairing Credit Score

If your credit score is lower than it should be due to bad credit, a late pay or collection, you should visit our free credit repair section. [Bad Credit Credit Repair]

You can take steps to repairing your credit score and you should start right now.

Raising Credit Score

Raising credit score, yes indeed. Here are steps to take:

Make sure your utilization is under 30%
Make sure you have no more than 1-2 inquries from past 6 months
Work to eliminate negative items like late pays
If you do not have many good credit lines, open some more and diversify (gas, department stores, major bank cards, etc). Don't over do it though.

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