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Read On For More About Credit Repair From NuCreditScore

Take Control Of Your Finances, learn "How To Fix My Credit"

Read on for some insightful techniques to improve your credit. Is your poor credit score giving you nightmares and interrupting your sound sleep? By using these tips, you can improve your credit to a level that you can look at with pride. Having negative credit can bring negative reactions from companies that you might encounter in the future. However, there is hope -- you can repair your credit with a few steps and re-open those doors to access lower borrowing rates and other benefits once more. There is no better time than now to work on repairing past mistakes that can be adversely affecting your credit rating

For some it may hard to finance their home due to having less than ideal credit. Look into alternative financing options like FHA loans. If you do not have a down payment or money for closing, consider a FHA loan

You may be able to reduce interest rates by maintaining a favorable credit rating. Lower interest rates will reduce the amount of your monthly payment, and can also make it easier to repay your debt faster. Obtaining the best possible interest rate saves you money, and helps you maintain your credit score.

When you want to fix your credit, you need to start somewhere. Have a realistic plan and stay with it. You must be committed to making real changes in the way you spend money. Only purchase something if you cannot live without it. Ask yourself how necessary each purchase is, and how affordable it is too. If you can't answer "yes" to each of the questions above, you need to reconsider the purchase.

Any credit cards that have balances over 50% of your limit should be paid off until they are less than 50% of your limit. Your credit score can be negatively impacted if you are carrying a large balance compared to the available credit you have. While you are paying off these cards, reduce the balance to a small percentage of your available limit.

If you need a credit card to aid in fixing your credit but you cannot obtain one due to the state of your credit, applying for a secured credit card is an option. With a secured card, you have to fund your account before you use the card so that the bank will be assured that you will pay off your debts. Even though this card will be secured by your own money, you will make payments and manage it as if it were unsecured. A responsibly used new credit card will begin healing your credit score.

Before you agree on an agreement for settling your debt settlement, you should determine what affect this will have on your credit score. There are methods that are going to be less damaging than another, and all should be researched before you enter an agreement with a creditor. They are just out to get their money and do not care how that effects your credit score.

Credit unions are an option for those who have run out of options. You may find that the credit union has more options and better rates to offer you than banks will.

Find and challenge errors on your credit report using the dispute process offered by each credit reporting agency. Include proof along with a letter disputing the claim to the agency that recorded the errors. Include a request for a return receipt with the dispute package so that you can prove it was received by the appropriate agency.

Now that we have gone over a couple different ways you can go about repairing credit, why not get started now? The faster you act, the less likely your lowered credit score will permanently affect your life. Your credit situation can be turned around and you will finally have peace of mind about it. Fix your credit problems today to give yourself a happy financial future. Click HERE and click on the 8 minute Credit VIDEO for more information or call (801)613-2085 to speak to a live person. If the link is nonresponsive then enter www.nucreditscore.com into your browser.

More Articles Coming Soon On Credit Repair and Tips On How To Repair Your Credit Score

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A credit score is a number that reflects your risk level, as an individual, to alender. The higher the number, the lower the risk will beto the lender. As you apply for increased credit orattempt to make a purchase, the lender will check yourability to pay back that loan. The more negative marks youhave on your credit report, the less likely you will begranted the loan or purchase you requested.
A credit report is a history of your use of credit andother personal information which gives lenders a snapshotof your credit history. Whether you are applying for acredit card, a car loan, a personal loan or a mortgage,lenders want to determine your credit risk level. Inshort, lenders want to know if they can rely on you to paythem back on time.

There are three majorcredit reporting agencies: Equifax, Experian andTransUnion. These agencies collect data and maintainrecords on millions of Americans and their bill paymenthistories. The reports tell lenders how much credityou've used, what types of credit you've used, howlong you've had various accounts, and whether you payyour bills on time. Every year, billions of lendingdecisions are based upon the information in those reports.

Your credit report and score strongly influenceshow much credit that will be made available to you and theterms you are offered by lenders. The speed you areapproved for credit, the interest rates you get, anddecisions about the amount of credit are all determined bythe information found in your credit report.
The formula used to calculate your credit score includesinformation based on several factors:
    35% on your payment history
    30% on the amount you currently owe lenders
    15% on the length of your credit history
    10% on the number of new credit accounts you've opened or applied for (fewer isbetter)
    10% on the mix of credit accounts you have (mortgages, credit cards, installment loans, etc.)
Negative credit accounts,or trade lines, can remain on your credit report for up to7 years, and bankruptcies and other public records for upto 10 years. Inquiries on your credit report may remainfor 2 years. These are the maximum times that arepermitted by federal law for reporting agencies to shownegative items; however, these times are not mandatory. Atany time, a creditor or credit bureau may remove aderogatory remark from your credit report if the consumerrequests an investigation into remarks that they feel areincorrect.
It is your credit reportthat creditors use to determine if they will extend creditto you. If you have inaccurate information on your report,you may be turned down for the loan you need or payunnecessary high interest rates.
Depending on which lenderyou go through will determine which credit bureau the itemwill appear on. It could be one, two or all three bureaus.
It is estimated that as many as 80%of credit files have errors. If your credit reportcontains errors, it is often because the report isincomplete, or contains information about someone else.This typically happens because:
  • You applied forcredit under different names (for example, MargaretJones versus Margaret Jones-Smith)
  • Someone made aclerical error in reading or entering name or addressinformation from a hand-written application
  • You gave aninaccurate Social Security number or the number wasmisread by the lender
  • Loan or credit cardinformation was inadvertently applied to the wrongaccount
Absolutely. The Fair CreditReporting Act allows anyone to dispute inaccurate items ontheir credit reports. There's nothing we do that youcannot do yourself when it comes to fixing your creditsituation. Individuals can restore their credit on theirown but this can take time and a lot of knowledge when itcomes to the credit laws. That's why we are here tohelp since we have the experience and knowledge to get youthe positive results.
Many of our clients have seen an increase of 100 points ormore*; however, the actual amount will vary per customer.There are many factors that affect a credit score besidesderogatory items. For example, the ability to pay downrevolving debt, the type of credit you have, your lengthof credit history, even the number of inquiries on yourcredit file. It is especially important that no currentaccounts fall into a negative status.

*Results may vary by individual.
Yes, you can. You can alsorepresent yourself in a court of law, and do your own oilchanges on your vehicles. We are a service company. Justas you are probably better at what you do than we wouldbe, we are probably better at credit restoration than youwould be. We offer experienced, professional help at veryaffordable rates for your convenience and benefit.
The credit bureaus arerequired by law to respond to all correspondence. It isnot uncommon for credit agencies to send letters statingthey want more information, or that they will notre-verify an account. These types of responses are verycommon and customers should not be alarmed if theyreceive them. Customers must continue to send allcorrespondence they receive from the agencies to theprocessing center.
Absolutely, any additionalinformation that the customer would like to provide willhelp expedite the credit restoration process. Simply writeon the dispute letter any changes or additionalinformation you may have regarding any specific account,and forward it to the processing center. The processingcenter will make the necessary corrections on the disputeletter and forward the customer a revised copy to sign andsend to the credit agencies. Remember, this is apartnership.
Yes, contact your FES salesagent. Due to the increased number of identity fraud casesreported annually, it is recommended that you continueyour service to monitor and review your credit reports ona quarterly basis. This will ensure your reports remainaccurate and that no new information is added without yourknowledge.
t first glance, it mayseem like a good idea to close old credit accounts or opena host of new ones. But its€™s not. Moreaccounts can hurt, not help. Financial experts agree thatyou should not open multiple new accounts just to show acredit history. If you have had little credit in the past,build your credit history slowly. Open no more than one ortwo accounts initially. Also, done€™t closeyour old accounts. A long credit history has a positiveimpact on your credit score. Having a large number ofaccounts in good standing with zero balances is a plus,not a negative.
You should be in a muchmore favorable position as long as you meet severalrequirements of the credit grantor, such as a good credithistory over the past 6-12 months, length of employment,debt ratio, length of time at current residence, and haveamount of down payment, etc.
Credit scores are not fixed; instead they reflect a consumer's currentcredit situation, based on the information in the creditreport at the time the report is pulled.
Although each credit reporting agency formats and reportsthis information differently, all credit reports containbasically the same categories of information.

Identifying Information.
Your name, address,Social Security number, date of birth and employmentinformation are used to identify you. These factors arenot used in credit scoring. Updates to this informationcome from information you supply to lenders.
TradeLines.
These are your credit accounts. Lendersreport on each account you have established with them.They report the type of account (bank card, auto loan,mortgage, etc.), the date you opened the account, yourcredit limit or loan amount, the account balance, and yourpayment history.
Credit Inquiries.
When you apply for a loan, you authorize your lender toask for a copy of your credit report. This is howinquiries appear on your credit report. The inquiriessection contains a list of everyone who accessed yourcredit report within the last two years. The report yousee lists both "voluntary" inquiries, initiatedby your own requests for credit, and"involuntary" inquiries, such as when lendersorder your report so as to make you a pre-approved creditoffer in the mail.
Public Record andCollection Items.
Credit reporting agencies alsocollect public record information from state and countycourts, and information on overdue debt from collectionagencies. Public record information includes bankruptcies,foreclosures, law suits, wage attachments, liens andjudgments.
No. Credit reportingcompanies are just that - companies. They are in businessto make money, and they generate their income by sellingcredit reports to creditors.
No, all information reportedby the credit bureaus are subject to the same laws andcriteria. We may challenge on your behalf any items yourequest and the credit bureaus must investigate theseitems.
The credit bureaus collect information based on individual Social Security numbers.
Under the Fair Credit Reporting Act,a credit reporting company may only disclose your creditreport if someone is:
  • Granting credit, reviewing your account, or collecting on your account
  • Reviewing you for employment purposes
  • Reviewing your application for insurance
  • Reviewing your eligibility for a license or government-related benefits
  • Providing information for a business transaction, such as renting an apartment
  • Has a court order
  • Has an IRS subpoena
  • Someone to whom you have given written permission
Only the credit bureaushave the power to remove items from your credit report.But, as required by law, the credit bureaus must deleteinaccurate, unverifiable, or outdated information.
Everyone's creditsituation is completely different, so how long it takesfor you to achieve your expected results depends on thenumber of derogatory credit items on your reports, yourparticipation in getting credit reports to us, and thelevel of credit bureau cooperation. We will do our part,the auditing and creating dispute letters based on yourreports, usually within 48 hours from the date we receivethem. Most of the wait-time after is usually spent waitingfor the credit bureaus or creditors to respond.
After you have completed theonline enrollment documents, fax or email or mail youridentification documents to our processing department. Alist of required documents has been provided below:

Social Security Verification (as requiredby the credit reporting agencies)

  • Photocopy of your Social Security card
  • Photocopy of your pay stub displaying your full Social Security number
  • Photocopy of your W-2
  • Photocopy of your health insurance card that contains your full Social Security number

Address Verification (as required by the credit reporting agencies)
  • Clear copy of a current bill (utility, telephone, credit card, etc.) with your name and address clearly
  • Clear copy of your drivers license with current mailing address
Your dispute documents will be prepared and mailed to you upon receipt of your identification.
Yes. If the listing isinaccurate, incomplete, misleading or unverifiable, itcan be removed. The severity of bankruptcies,foreclosure, liens, etc. does not factor into theirremoval as much as you would believe. There are a numberof elements, unrelated to severity, upon which such itemscan be successfully removed.
You will receive updatedcredit reports from all three credit bureaus after 30 to45 days. At that time you will see what was deleted andwill need to mail the originals to us so that we cancontinue working on the remaining items. You will actuallyknow what was deleted before we do, which is why it is soimportant that you forward all credit bureaucorrespondence within a few days of receiving it. If thecredit agency does not respond to your dispute letter, donot be alarmed, a new dispute letter will be generatedwhen your file is reviewed by the processing center every60 days.
Every 60 days, your file will be reviewed. Based on thedocumentation received from you, (credit report updatesand letters from creditors) a new dispute will begenerated and forwarded to you to review and sign. Alongwith the new dispute document, you will receive a statusupdate report showing the progress and deletion ofaccounts to date. You can also access our Web site at www.united-credit.org for an up-to-date account status.
Yes. Customer satisfactionis very important to us. Customers will be charged aninitial $125.00 set-up fee, and $25.00 for each negativeaccount removed or corrected during the time they wereinvolved in the credit education process. (Customers mustcomplete three dispute cycles.) Any remaining money fromthe initial payment made for the service will be refundedto the customer immediately.
Paying your bills on timeshould do nothing but help your credit score. Good paymenthistories will help clients who are trying to buy a home,refinance a home, or qualify for new credit. We often tellpeople that while we work on the past. You should beworking on the future.
UCES Customer Servicerepresentatives will handle all of your service needs. Ifyou need to make contact, you will be provided with amember service number, a special e-mail address and a faxnumber that goes directly to member services.