After suffering from a poor credit report for years, Mark Clayborne went on a mission to study everything he could on restoring his credit. Concluding the extensive research, he repaired his credit report and learned various hidden secrets on how to improve a bad credit file. Because of this new found tested knowledge, Mr. Clayborne helped over a hundred consumers repair their credit and take their financial life back. Now, he wants to share these strategies with the world and as a result HIDDEN CREDIT REPAIR SECRETS was created which has sold over 1000 copies as of today. Mark is a certified credit consultant with over 100 articles written in the area of credit repair and a successful radio show titled “Who Else Wants Better Credit”, which is aired on Blog Talk Radio every Tuesday & Thursday at 7:30PM-PST. Mark educates his customers through articles, videos, his blog and various credit repair kits. He graduated from Virginia Commonwealth University with a Bachelor's Degree in Criminal Justice. He also holds a paralegal diploma. He currently lives in sunny California with a beautiful wife and lovely daughter.

1. Hiddencreditrepairsecrets.com
Presents
Credit Tips and Advice - How to Raise
Credit Score

2. Many consumers complain that it's
hard to raise your credit score once
it's damaged, but this idea is far from
the truth. It does not matter how bad
your credit report was in the past
because with the right education, you
can improve your three digit number
over time. In this article, I will discuss
5 tips that you can employ to raise your
credit score.

3. 1. Know how money works
Learn the in and outs of how money
works for you, so that you can be
better prepared to pay your bills. You
should also read books on money,
budgets, and attend seminars. By doing
this, you will never miss a payment,
therefore increasing your credit score.

4. 2. Staying in financial shape
When applying for loans, a lender will look at
your savings, your income and your
employment. You want to make sure that you
keep a good amount of savings in your account
to show the lender that you have the discipline
when it comes to handling money. They will also
look at your income to see whether you make
enough money to keep up with the monthly
payments. Finally, they will look at the length of
employment to make sure that you are stable.
The above factors will help you get a loan, which
will help you raise your three digit number in the
long run.

5. 3. Late fees removed
If you are late, ask the lender to waive the
late fee as a courtesy because most lenders
will do that for you if you have not used all of
your late waivers for the year. Lending
institutions allow either one or two late fee
waivers yearly. Then take the money that they
were going to charge you and reduce the
balances on your credit cards for an
increase in your score.

6. 4. Stay organized with your bills
Get a file cabinet to track your bills and place
them in an area where you can get to them
quickly. Know the date of your payments and
use calendars to remind you of your due dates.
Take advantage of automatic payment deduction
and electronic email reminders from creditors
when of fered. When employing these strategies,
you never miss a payment, and a result you
improve your score.

7. 5. Set goals
Set goals to track your credit repair ef forts. For
example, create a tracking list for your credit
repair letters. Note whom you send letters out to
and when. Set up reminders to check your score
regularly to see whether it has improved. Create
dates on when you are going to pay of f your
debt and recheck your score.

8. If you are ready to say goodbye to
credit rejection and debt collectors,
visit hiddencreditrepairsecrets.com
and sign up for the Free 8-Day E-Credit
Repair Course, and claim your Free
Gift-60 minute Podcast on Rebuilding
Your Credit
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