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How to dramatically improve your credit score in a year

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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.

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How to dramatically improve your credit score in a year

  1. 1. Hiddencreditrepairsecrets.com PresentsHow to Dramatically Improve Your Credit Score in a Year
  2. 2. Throughout the years, I have been asked the same question repeatedly. How do I improve my credit score? My answer for the questions was through multiple tactics. You see when you aresuf fering from a poor score you have to apply various techniques to improve itover time. In this article, I will disclose these tips that will help you increase your score over a years time.
  3. 3. Dont pay of f old debt Paying of f outdated negative bills can actually hurt your score by renewingthe date of the last activity of the debt and making it current. Instead ofpaying of f old debt, let them fall of f or negotiate for a complete deletion.
  4. 4. Your true credit card balance If you know that your credit cardbalance is lower than what the credit bureau is showing, write the cardcompany, and have them update yourcard balance with the credit bureaus, so that your score will increase.
  5. 5. Applying for a car or a mortgage If you are planning to buy a new car or ahouse within six months, then dont apply for new a new loan, which can lower your score and stop you from getting the car or house.Instead work on improving your credit report by settling your debts for pennies on the dollar and having negative items completely removed. By doing this will improve your score dramatically.
  6. 6. Dont apply for a retail store charge card just to get the discount If you apply for a retail store card, you will lower your score in three ways. First, retailcards have low limits, and if you buy an item that will push your card to the max, it will lower your score. Second, when you open anew account, it will lower the total age on the rest of your cards. Third, it will produce a hard inquiry, which can lower your score by five points. So dont apply for these cards while you are trying to improve your score.
  7. 7. Ask them to remove the late entryThis technique is good if you have a long history with the creditor and have not been delinquentmore than two times. Write a letter to the lendera professional letterhead explaining that you are loyal to the company, and that you would like their assistance in removing a few late entrieson your credit report. If they grant the removal, this could increase your score by 30 points.
  8. 8. Check your credit report and score on a regular basisYou can check it once or three times a year, but it is best to check it every four months. Ifsomeone steals your identity and open accounts in your name, call the bureaus and asked them to put either a 90-day or a seven-year fraud alert (a notification by the creditor whensomeone tries to open an account in your name) in your file. You can even place a credit freeze (the creditor or lender cant pull your reportwithout your permission) on your account. Whenyou are a victim of Identity Theft, the law allows you to get a free credit report from all three bureaus. By monitoring your report, it will giveyou a chance to stop fraudulent use and damage to your score. You will also see if your score is improving as you pay down bills.
  9. 9. As you can see it takes time and patience whentrying to improve your financial picture, but its not impossible. Now that you are empowered with new information, go out there, and take action.
  10. 10. If you are ready to say goodbye to credit rejection and debt collectors, visit hiddencreditrepairsecrets.comand sign up for the Free 8-Day E-Credit Repair Course, and claim your Free Gift-60 minute Podcast on Rebuilding Your CreditHiddencreditrepairsecrets.c om