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How To Get Good Credit

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credit score meter

Want to have good credit and all of the perks that come with it?

Your credit report is used to determine how much you pay for your mortgage, auto loan, credit card, insurance, and even whether you get a job. Wouldn’t it be great to get the best rates on all of the above without worrying about having to use cash.

So how do you get good credit?

Pay your bills on time

There’s no surprise here, 35% of your credit score comes from your payment history. Pay your bills on time and your score will be rewarded, make a late payment and it can cost you as much as 100 points. Get your finances in order, set up auto payments, and make your payments on time, every time.

Keep Your Credit Card Balances Low

Maxing out your credit cards lowers your credit score. Why? Simple, it looks like your short on cash and can’t afford to pay your bills without the help of credit cards. On the flip side, carrying a low balance shows that you’re just using credit cards for convenience. So how low should you keep your balance? Your balance should be below 20% of your credit limit.

Don’t Apply For Too Much Credit At Once

Every time you apply for credit, an inquiry shows up to your credit report. Applying for too much credit at once lowers your credit score because it makes you look like your running out of money. So limit yourself to no more than one application for credit every 6 months.

Don’t Close Old Accounts

The average age of your open accounts counts for 15% of your credit score. Closing old accounts shortens your credit history and lowers your credit score. Keep your accounts open and active.

Need Help?

Whether you you have a question, need a consultation, or want to use our services to improve your credit score, CreditFirm.Net is here to help. So don’t be shy, just ask.

 

Why Choose CreditFirm.net?

Assurance. Our Credit Repair process was developed by experienced attorneys.

Speed. Documents are typically processed and sent out for investigation within 3-5 days.

Support. Award winning customer service guarantees your satisfaction.

CreditFirm.net Review

Common Questions About Credit

November 13, 2014 by  
Filed under Blogs, Credit Report, Credit Score

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common questions about fixing credit

What is a credit report?

A credit report is a record of how well you manage and repay your debt. For example, when you pay your auto loan every month, your creditor will report the payment as well as your payment history, to credit reporting agencies(Experian, Equifax, and TransUnion). The credit reporting agencies, then combine the information reported to them about you from several different creditors and create a credit report.

What is a credit score?

A credit score is a number which is calculated from the information in your credit report. The most commonly used credit score is the FICO score which has a range of 300 to 850, the higher the score, the better. There are several factors used to calculate your credit scores, the most important being;
Payment History
Amounts Owed
Length of Credit History
Mix of Credit
New Credit

Learn more about these factors and use them correctly to help you improve your credit scores.

Where can I get a free credit report?

The FCRA (Fair Credit Reporting Act) entitles you to a free copy of your credit report from each of the three credit bureaus every year. There are 3 ways of getting your free credit report.
1. Online: www.annualcreditreport.com
2. Phone: call 1-877-322-8228
3. Mail: Fill out the credit report request form here, and mail it to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Where can I get a free credit score?

Federal law does NOT require the credit bureaus to provide you with a free credit score. This means that you’re on your own when looking for your credit score. But, there are a few places online which will give you access to free credit scores.
– Free Experian Credit Score: www.creditsesame.com
– Free Equifax Credit Score: www.quizzle.com
– Free TransUnion Credit Score: www.creditkarma.com

Need more help?

Over the last 17 years, we have helped thousands of individuals repair their credit reports and increase their credit scores. Will you be our next success story?

 

Why Choose CreditFirm.net?

Assurance. Our Credit Repair process was developed by experienced attorneys.

Speed. Documents are typically processed and sent out for investigation within 3-5 days.

Support. Award winning customer service guarantees your satisfaction.

CreditFirm.net Review

Who Looks at My Credit Report?

October 3, 2013 by  
Filed under Blogs, Credit Report

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Who looks at my credit report?

The importance of your credit report has been recently elevated. No longer are banks and lenders the only ones looking at your credit. Insurance companies, landlords, employers, even the government agencies check consumer’s credit reports. The credit report has infiltrated everyday life and means much more than what interest rate you pay on a loan. It is used to determine things like what insurance premium you pay (auto, life, health), whether you qualify for a certain job, apartment, or government security clearance.

This is why it is so important to have good credit.

Good credit can help you improve your quality of life, help you earn more money, and save you thousands of dollars on your insurance, auto, mortgage, and credit card payments.

Bad credit can substantially hinder your life by making you unemployable and leaving you to pay very high interest rates on everything, costing you thousands of dollars.

How long do negative items stay on a credit report?

Most negative accounts may report on your credit report for a period of 7 years, according to the Fair Credit Reporting Act (FCRA). There are some exceptions, a Chapter 7 Bankruptcy may report for up to 10 years and certain Federal Tax Liens may report indefinitely or 7 years from the date they are satisfied.

Inquiries may be reported on your credit file for up to 2 years.

But, here’s the good news, accounts which are incorrect, erroneous, misleading, unverifiable, incomplete, or do not comply with the FCRA, HIPAA, FCBA, or FDCPA may be removed earlier.

This is what CreditFirm.net does, we leverage the aforementioned laws to help you clean up your credit reports and improve your credit scores.

 

Why Choose CreditFirm.net?

Assurance. Our Credit Repair process was developed by experienced attorneys.

Speed. Documents are typically processed and sent out for investigation within 5 days.

Support. Award winning customer service guarantees your satisfaction.

CreditFirm.net Review

What Information Appears in My Credit Report?

September 25, 2013 by  
Filed under Blogs, Credit Report

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incorrect credit report info

Here’s what to expect when looking at your credit report.

The contents of a consumer credit report can be broken down into 5 categories:

Personal Information:
This includes your name(s), any aliases, addresses, both current and previous, spouses name, date of birth, telephone number, and both current and previous employers.

Creditor Trade Lines:
This includes all conventional credit lines such as credit cards, student loans, auto loans, mortgages, and personal loans. Each trade-line contains the creditor’s name and account number as well as your payment history, credit limits, balances, dates opened, dates of last activity, and account statuses.

Collection Accounts:
When an account is past due, a creditor has the option to forward your debt to a third party debt collector also known as a collection agency. These collection agencies then pursue the debt on behalf of the original creditor.

Collection accounts will include information such as the name of the collection agency, their account number, as well as when the account was opened, the balance due on the account, the name of the original creditor, and the status.

Public Records:
The public records section of your credit report shows court records such as bankruptcies, judgments, and tax-liens. Public records are some of the most damaging accounts to a consumer credit report and drastically lower the credit score.

Inquiries:
An inquiry is a history of creditors accessing your credit report. This may either be an application for credit (such as applying for an auto loan or credit card), or be an account review inquiry where a creditor accesses your credit report to check your financial standing. The inquiry section reports all inquiries made within the last 2 years and having more than 1 inquiry every 6 months can lower your credit scores.

 

 

Why Choose CreditFirm.net?

Assurance. Our Credit Repair process was developed by experienced attorneys.

Speed. Documents are typically processed and sent out for investigation within 5 days.

Support. Award winning customer service guarantees your satisfaction.

CreditFirm.net Review

Remove Account in Dispute Comments

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account in disputeYou’ve worked hard to fix your credit but, there’s one last thing that you need to do to complete the credit repair process.

You must delete all of those pesky “Account Disputed by Consumer” and “Dispute settled, consumer disagrees” comments from your credit report.

In fact some lenders wont approve a consumer’s loan application if there are any comments about accounts being disputed, no matter the credit score.

So now what do you do?

Lucky for you, we’re here to show you how to remove those dispute comments from your credit reports.

Step 1

Stop disputing accounts in your credit report. This is very important, the credit bureaus typically do not remove the dispute remarks unless no accounts have been disputed for at least 30 days.

Step 2

Call the credit bureaus and ask them to remove the “account disputed by consumer” comments from your credit report. You must call each of the 3 credit reporting agencies individually and give them a list of the accounts which are displaying the comments.

Here is exactly what you tell them, “I need to dispute the compliance condition remarks code of “AID” (Account In Dispute) because I am no longer disputing the account. Please remove the remark from account <<fill in the blank>>.”

Step 3

Call the creditor reporting the Account In Dispute remark and ask them to immediately remove it from your credit reports.

Credit Bureau Phone numbers

Here is the contact information for the credit reporting agencies:

Experian: 714-830-7000

Ask for the Executive Customer Service Team

Equifax: 404-885-8300

Ask for the Executive Consumer Service department.

TransUnion: 312-985-2000

Ask for the Special Handling Department

If you have any trouble with removing these remarks from your credit reports, contact us today. We have helped thousands of our clients delete “Account in Dispute” comments from their credit reports as well as much, much more.

 

Why Choose CreditFirm.net?

Assurance. Our Credit Repair process was developed by experienced attorneys.

Speed. Documents are typically processed and sent out for investigation within 5 days.

Support. Award winning customer service guarantees your satisfaction.

CreditFirm.net Review

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