Six Things You Should Know Before You Repair Your Credit
Posted on | February 2, 2011 | 182 Comments
Make Sure You Get Your “Real” Scores!
The majority of banks and lenders use scores calculated by FICO (also known as Fair Isaac) and derived using your reports with the primary national credit bureaus Equifax, Experian, and TransUnion. You should use caution considering the credit scores sold at freecreditreport.com, TrueCredit, CreditExpert, and other often used credit report evaluation services are NOT the same scores that lenders use! The majority of these free scores require you to purchase something and their ‘knock-off’ scores can be way too much lower or higher than your FICO scores. Make sure you know what you’re getting into! More info on credit score repair can be found at Home Loan Credit Score.
There are 5 Major Areas Considered in Your FICO Scores
Making all your payments on or before their due dates is the most important part of a respectable credit report and score. You need to consider though , only 35% of your FICO scores are have to do with your payment history! Considering this , any type of negative information – no matter what you have out there – determines only about a third of your credit score. The rest of your scores are related to your behavior patterns with your current accounts, how long you’ve had a credit history, what kind of accounts you use and how you get new accounts. It’s always crucial to maintain healthy accounts (especially credit cards) and use them wisely.
Paying or Disputing Some Accounts Can Hurt Your Scores
you should also keep in mind , just repaying a debt that is in collection will have limited results on your credit scores. Sometimes it can even bring notice to the account and be re-reported, harming your scores! Credit scoring is a complicated process where even correcting bad information can unwanted results on your scores; this is not a process that always makes sense . There is a complex path to approach your credit card debt, your collections, and especially your medical bills – don’t throw money at the problem before talking to a professional!
Don’t Close Your Accounts!
Closing accounts will never help your credit scores – not only will you lower the amount of credit you have open to buy , but also make the length of your credit history shorter as time passes . Avoid this pitfall! Building a stable, lengthy, and diverse credit history with at least one major credit card is extremely important . Surprisingly even paying off an installment account like a car loan or student loan in some cases can cause damage to your credit scores? It’s not a good idea to dive in and pay a debt in full without being sure how your credit will be affected.
New Negative Information Can Drop Your Scores 40-80 Points
When taking on the task of repairing your credit , make sure you’ve devised a budget so you there is no mystery about how your money will be spent and be sure to pay close attention to any new account that are sent to collection . Only 1 new 30 day late payment or collection can harm your FICO scores 40 to 80 points! Don’t let anything get missed and affect all your hard work as you restore your credit standing.
It Only Takes 45 Days to Turn Things Around
You may have been told your credit is damaged for 7 to 10 years before you can take advantage of purchasing on credit again. Luckily, this is not actually the case . Though repairing your credit score by yourself can take years and hiring a credit professionals can take a lot longer than it should , with the right approach you can find ways to better your credit in just one and a half to two months . By using the best credit score professionals, you can find ways to get you credit improved again. With the right comprehensive approach to address every area necessary for credit scoring models you can better improve your score in the fastest amount of time . To find out more about how to improve your credit score and learn how to find the right Credit Score Professionals visit Home Loan Credit Score.
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