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Credit Tips

Credit Restoration Is Not A Bill It's An Investment!
You're Simply Fixing MISTAKES From Your Past To Ensure A Better Future.

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​Simple Ways To Increase Your Credit Score 

Your 3-digit number is based on the information in your bureau report, which is produced by the three bureaus. "Fair and Accurate Credit Transaction Act" are the watchdogs over the bureaus. Your 3-digit number decides whether or not you will be approved. When determining your lending worthiness, the lenders base their approval decision on your bureau reports. If the lending institution sees that you had a poor paying history, the chances of you getting approved is slim to none. In this article, I will disclose a few simple ways to raise your credit score.

Number One
Learn from the banks and credit card companies, why you were denied and what you can do to improve your chances. Take the bank's suggestions and improve your 3-digit number to avoid high interest rates when you apply for a loan in the future.
​
Number Two
Don't apply While you are improving your score, do not apply for any new loans as this will damage your 3-digit number further.

Number Three
Pay on time You must also make you pay your monthly payments on time no matter the circumstances. If you miss one payment, it could drop your 3-digit number by 50 points. As a result, always pay on time, even if you have to borrow the money. If you are behind on your payments, consult with your lender for any hardship programs. That way you prevent further damage to your 3-digit number. Make sure you contact them right away and not let your payments fall behind. If you get to far behind, the lenders will not offer you the hardship program and this will damage your three-digit number.

Number Four
Settle your debt If you do fall behind, and you are not approved for the lender's programs, try to settle your debts for a lower price, and have the lender delete the late payment and the account from your credit report. In return, this gives you score a boost. These techniques are proven to help your three-digit number if you take action.

​Now that you are empowered with more information. Go out there and take action to get the score you want.
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Columbus, Ms 39702
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  • Home
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