Frugal LivingStarting a BusinessFinding a JobReal EstateIndustriesBusinessPersonal FinanceSelf-EmploymentScams & FraudInsurance

Increasing Your Credit Score from 550 to 750 in Twelve Months

Updated on May 3, 2016
Source

It seems like every day that I run into someone who tells me that their credit is seriously messed up and beyond repair, whether it be the result of a divorce, student loans, or old debts that they never paid off. Everyone thinks that their situation is worse than anyone's has ever been and that their credit can never be fixed. Does this sound like you?

Well, for you and all the people that think their credit can never be repaired I have news.

First, let's talk about the three credit bureaus and your credit scores. There are three bureaus that lenders use to check your credit. Some may use more than one, but the majority simply pull from one bureau. About half the time, when you default on a debt, it is reported to all three bureaus. However, it may also be reported to one or two of them. Each bureau scores in pretty much the same way. Credit scores go from 300 to 850. 300 is dismal and 850 is perfect. Most people that I talk to think that their credit score is around 300. However, after checking many people find that their scores are higher. It is definitely worth trying.

What Does Your Credit Score Mean?

Believe it or not, to get approved for a mortgage, car loan or any other type of financing, all you need, assuming you have the income to make the payments and employment and stable housing, is a credit score of 620-650 or higher. A credit score of 750 will pretty much guarantee that you are approved for whatever you are attempting to finance, and it doesn't take very long to achieve this kind of number.

Getting a Copy of Your Credit Report

The law allows for two instances where a person can obtain a totally free credit report:

  • Once per year.
  • When you have been turned down for financing based upon your credit report if requested within an allotted period of time.

The official site for the free yearly report is www.annualcreditreport.com. You'll have to verify some information so that they know it is really you. This site does have a function for online viewing.

What you want is a site that will let you pull a fresh copy of your report whenever you want, so that you can see how your efforts are affecting your scores. You also want a company that lets you view all three at once, in an easy format. The only company that I have found that offers these things is called Credit Check Total. I won't include a link lest someone think I am hawking an affiliate product (I'm not), but I do recommend them and use them myself. It's twenty bucks a month, but you can look at your credit report as many times as you want. Whenever I have had a question it's easy to get them on the phone and get an answer.

What to Do With Your Report

The first thing that you'll want to do is sit down and make a list of your debts. I would separate them into three categories, which I affectionately call:

  • Probably—Can pay off in one lump sum.
  • Possibly—Will take longer to pay off.
  • Hell No—Just can't pay off.
  1. Now, go through your list and cross off any debt with a most recent date of activity that is six years old or more. Generally speaking, a delinquent account can show up on your credit report for up to seven years from the time your first delinquent payment was originally due on the account. These debts will drop off by the time our twelve months are over, so we don't need to worry about them. One exception to this rule is a student loan, which will never fall off your credit report until it has been paid in full.
  2. Take a pen and paper and make a plan to pay off all of the "probably" debts over the next twelve months. You'll want to pay them off in one lump sum—,we'll go into why later, so make sure that you allow for that. If you only have $100 a week you can spare to pay these debts and the amount owed is $400, then allow four weeks for that particular debt. Remove the probably's from your list.
  3. Look at how much money you have left over and determine if you can pay off any of the "possibly" debts. If you can, make a plan for those and remove them from your master list. Now, you should be left with a few possibles and one or two "Hell No's". We have a plan for these, don't worry.

The Route to a 750 Score

There are two ways to remove negative items from your credit score, and one isn't to pay them. At least, not just to pay them. There is a process for paying off your debts and if you head into this venture gung ho and start calling up every creditor on your list, you'll do a lot more damage to your credit score than is already done.

First, let's discuss the two methods of removing negative information.

Method One: Pay the creditor and request that they remove the negative information. Basically, they withdraw their submission of unpaid debt. Some will tell you that they are unable to remove the information and if they are the original creditor, this is utter horse dung. They are perfectly able to remove it. Now, be forewarned, you may have to get tough with some of these creditors and explain that you are attempting to clean up your credit. Tell them that you are making those creditors who are willing to remove the negative information for payment of the debt a priority and if they refuse to remove it, then you will be forced to put them at the bottom of your list. They may threaten to see you in court and garnish your wages and take your first born baby, but in fact 99.9% of the time they will do nothing of the sort.

A different situation exists if the original creditor has charged off the debt and sold it to a collection agency. You'll know if this has happened, because when you call the original creditor, they will tell you to call so and so collections. Do not plead or argue with the original creditor to remove the debt or take your money. It will not work. As far as they are concerned you no longer owe them money, your debt was paid by the collection agency that bought your debt. Instead, simply thank them, hang up, and move that particular item to the "Hell No" column.

When we begin the plan, you will call one creditor at a time from your list of probably's, only after you have the money in hand to pay the debt in full. You will then attempt to negotiate a settlement for complete removal of the negative information from your credit reports (however many it exists on) and get that promise in writing from them, as well as the settlement amount. When you have it in writing, you pay that creditor and you move onto the next one.

Method Two: Obviously, we're not going to be able to pay everything on our credit report in most cases, so we have a different method for dealing with these debts. You are going to dispute them. Pick one debt per two week period and send a certified letter ( not a phone call, a letter) to the credit bureaus that list the debt and dispute it for whatever reason you can think of. You can say the dates are wrong, the amount is wrong or the debt simply isn't yours or it was paid.

A law exists that credit bureaus must remove negative information if the customer disputes it, and the company that listed the debt doesn't prove that the debt is owed and is correct within thirty days. Most companies fail to send it off within the thirty days and many may not even be able to find the records, especially if the debt is a few years old. However, if you send in too many requests at once you will be flagged as a frivolous disputer, and you won't get anywhere. Send one debt in every two weeks, or even more spaced out over the year period if you only have a few.

These two methods combined are going to remove almost all of the negative information from your credit report and will bring the score up considerably. However, we are not finished. At the same time that we are removing negative information, we're also going to rebuild your credit.

The Final Hurdle

The very first month that you begin this program I want you to beg, borrow, or steal $300 and get yourself a secured credit card. A secured credit card is one that works exactly like a credit card, but with the credit line secured by a cash deposit, which you usually receive back within a year of using the card responsibly. This is not a debit card. The money you secure it with is not yours to spend, it's your collateral to obtain this credit card. There are many companies that offer this service. Before you go shopping for one, I want you to find one that meets the following criteria as closely as possible.

  • Reports as a credit card not as a secured credit card.
  • Reports to all three bureaus.
  • Reports minimum quarterly, preferably monthly.

The first is non-negotiable. You must find a card that reports as a regular credit card or you will benefit very little from what we're about to do. The second is almost as important, since we never know which credit bureau a potential lender will pull from. The last, monthly or quarterly. Make sure it's one or the other.

Now, begin using the card to buy something each month that you were going to pay cash for. Put the cash away and when the credit card bill comes, for gosh sakes pay it.

Repeat in month three. Yes, I'm telling you to come up with another $300 and get a secured credit card from a different company. Use it the same way, spending say $10 a month and paying it off immediately when the bill comes. No late payments, no “I'll pay it next month” and no paying the minimum. Pay the entire bill off each month on both cards.

Finally, in about six months you're going to go shopping for a store credit card. These are quite easy to get with very little of a credit history and you should be able to get one quite easily. Then, use it just like the secured cards until the end of the twelve month period.

Conclusion

Use the credit checking website you joined up with to monitor your credit as you pay off debts, get them removed, and dispute others. You will also see good payments begin to appear and your score will begin slowly climbing up, gaining more and more momentum. With these steps, you should be able to move from 550 to 750 in a year. Good luck with your journey!

Comments

    0 of 8192 characters used
    Post Comment

    • profile image

      Will Collier 41 hours ago

      My first experience with real life hack was when i got my credit card hacked in 2016. I was left with nothing but a low credit score and loads of debts. My life since then has been from one trouble to another not until i met a hacker known as Global view, personally at a event i can't disclose. I was opportuned to meet him by luck and i tell you, i have never been so fortunate in my entire life. He increased my credit score and also cleared all my debts. I'm wise now and most importantly, BACK!. The hacker's email is globalview"dot"hacker"at"gmail"dot"com by the way. Save yourself.

    • profile image

      MirandaWest 46 hours ago

      A personal experience: I had many credit issues due to a business that went bad many years ago. When i applied for a mortgage i was instantly turned down with no hope whatsoever. While it takes 7 years for most derogatory items on your report to fall off. I met this ethical hacker on a credit forum called Arnold Perez and found out he was recommended by most subscribers there. I contacted him and in 7days my score increased from 620 to a whooping 795 score and he also had the negative items on my report removed. Price was well worth the benefits and I am happily recommending him to you all who had same issues i had. Words can't describe how impressed I was with his professionalism. You all can contact him via email: arnoldperezcyberworld@dr.com and mobile: +1 (512)596-5268. Be guaranteed your credit issues will be over.

    • profile image

      Ashley Drake 2 days ago

      Cheers! Credit score repair just got easier and better as festive period fast approaches . Contact him on "aaronswartzcyberservices{{@}}gmail.com" for your quick credit repair at a reasonable and affordable cost if you don't mind. Score of 750+ is certainly guaranteed You can also contact if you need 99% access to a cheating partners phone calls, text messages, social media accounts (such as whatsapp, Facebook, viber, Instagram) gmail accounts, etc without them being aware and also if you require the service of university database penetration to modify your bad grades to grades of your wish.Grab these offers while they last!!!

    • profile image

      Conner 2 days ago

      Have been battling my credit scores and repair companies for awhile , my lack if credit management ill say affected the choices i made with my credit history, i needed my credit score improved from 580 ,511 and 573 ,i needed my score to be in the 700 plus A colleague told me about (Gary McKinnon) , well have lived all my life in bad credit ,i had nothing to lose ,to my surprise after giving the required information i was informed to my understanding about the process, ALL my late payments, inquires ,collections and public record were completely removed from my credit report and in less than 48hrs ,i watch my score grow to 752,720 and 708.if you’re in this too, you can hit him up on his working email (garymckinnoncyberservice At Gmail Dot Com)

    • profile image

      Will Collier 3 days ago

      My first experience with real life hack was when i got my credit card hacked in 2016. I was left with nothing but a low credit score and loads of debts. My life since then has been from one trouble to another not until i met a hacker known as Global view, personally at a event i can't disclose. I was opportuned to meet him by luck and i tell you, i have never been so fortunate in my entire life. He increased my credit score and also cleared all my debts. I'm wise now and most importantly, BACK!. The hacker's email is globalview"dot"hacker"at"gmail"dot"com by the way. Save yourself.

    • profile image

      Dodie Jean Fogle 6 days ago

      I recently got my credit score checked and ever since I have been stressed out. My score is 479. I didn’t understand credit entirely when I got my first few cards. I failed to make payments on time, I closed two cards out shortly after opening them, and my third card was sent to collections then i got referred on disqus to message aaronswartzcyberservices((at))((gmail)).com, 3 days after messaging them my score was improved to 820 I bet you will be fulfilled and satisfied

    • profile image

      helen betty 7 days ago

      This is unbelievable ,it looks like a magic when (netsolvetechnology @ GMAIL .COM) help me increase my score from 460 to 780 and he remove negative item from my report within days ,this is really amazing ,thank to him, he is guarantee 100%

    • profile image

      helen betty 7 days ago

      This is unbelievable ,it looks like a magic when (netsolvetechnology AT GMAIL .COM) help me increase my score from 460 to 780 and he remove negative item from my report within days ,this is really amazing ,thank to him, he is guarantee 100%

    • profile image

      sherri 10 days ago

      Heart filled with joy shearing this to this forum. I was so wrecked that my company fired me simply because i did not obliged to their terms, so they hacked into my system and phone and makes it so difficult to get any other job, i did all i could but things kept getting worse by the day that i couldn’t afford my 4 kids fees and pay my bills. I owe so many people trying to borrow money to survive because my old company couldn’t allow me get another job and they did all they could to destroy my life just for declining to be among their evil deeds. haven’t given up i kept searching for job online when i came across the testimony of a lady called Judith regarding how she got the blank ATM card. Due to my present state, i had to get in touch with Hacker called Donard Lucas. email: donardmorrisworld27@gmail.com and he told me the procedures and along with the terms which i agreed to abide and i was told that the Blank card will be deliver to me without any further delay and i hold on to his words and to my greatest surprise, i received an ATM card worth $5000 Daily withdraw for 12 months.i immediately confirmed it, it is 100% real and work. All Thanks to Donard Lucas, if you are facing any financial problem contact him asap. Email: donardmorrisworld27@gmail.com you can text him via phone number: +12142720837

    • profile image

      julian Amiar 10 days ago

      I strongly recommend Notablespy to everybody right here. Let's do it right Im free today and all glory goes to this hacker who already got in charge of my scores on internet. I hired him since in 2013 over my shcool grade which had been dropping simultaneously and since then we have been together like one he's understanding, cooperative, smart and legit. He fix my scores for me all those years without no trace till now, with this i am well pleased. You can equally mail them Notablespy.org@gmail. com And be safe from your deepest thought.

    • profile image

      Kyle 12 days ago

      Do you require any of the following services?

      *Hack Emails and Social Networks

      *Hack Mobile Phones and Service providers

      *Hack University grades and Transcripts

      *Clear Criminal and DMV records

      *Clear Debts, Mortgages

      *Fake IDs with authentic Social security numbers

      *Buy airline tickets for cheap

      *Security Breaches and Revenge Hacks

      *Search Engine Optimization

      *Security and Penetration testing

      *Loaded Credit Cards and western union hacks

      *Mt799, Bank wires and transfers

      *Money Laundering

      you should visit bigjoewizardry@gmail.com for all your hacking needs

      I met him in 2014 when he helped me fix my credit score and that act

      totally changed my life,you can bet that he will see your job through

      as he pays adequate attention to jobs and treats all clients with equity

      you will find an adequate personnel who will help you make sense of your

      failures...if we are all sinners, why can't we all be winners, don't tell the

      dish washer what you did with your dishes...keeping it lowkey is key and i

      assure that all your problems could become a thing of the past as you will

      have it taken care of by a veteran....for all your hacking needs ...you should

      visit bigjoewizardry@gmail.com for all of your hacking requirement and you will be

      served by a veteran who will see your job through. You can mention my name Kyle as reference

    • profile image

      Seth 12 days ago

      lucky if you get to contact (Morrisgraycracktech) at gmail which his services includes: Hacking, Tracking, Spying

      Retrieving of deleted text, pictures and videos.

      Upgrading results.

      Provision of information and evidence.

      Can help to prevent you from being hacked or tracked.

      Retrieving of deleted text, pictures and videos.

      Adding your name to guest invitation list.

      Provision of information and evidence.

      Can help to prevent you from being hacked or tracked.

    • profile image

      Jennifa 2 weeks ago

      I was able to fix my credit scores through a credit repair agency on creditscoresrepairagency@gmail.com

      after i was referred to them on a forum, and they cleared all

      collections on my report also removed medical bills and increased my scores to 780 and above,now i

      can get a new car soon for my son,so contact the Email above if you

      need to fix any issue your credit scores,i guarantee their credit repair services for you

    • profile image

      Richard Levi 2 weeks ago

      I fixed my credit with the help of a genius hacker and he did a perfect job increasing my credit about 189 points in few days. My score is amazing at it high 780’s now and my heart is so happy. I refer this hacker to those who have a fixed date to fix their profile. Tell him a previous customer referred you. message him at 4crackedcredit Gmail Com

    • profile image

      donald benson 2 weeks ago

      I never knew Dark web service has the best quality because have been hearing a lot of people keep rating on different forum not until he improve his skills on my credit report.I was even advice on how to use my credit score to get loan as much as i can.I am here to publicly review him to the word because i guess i was lucky to have contacted a real hacker and never had to experience losing money to fake hackers out there and his good in all kind of service you requested from him:contact darkwebcyberservice@gmail.com for more assistance.(increase or fix your score,clearing criminal record,hack into your spy,Facebook,website,whats-app etc) darkwebcyberservice@gmail.com

    • profile image

      Chris Hendricks 3 weeks ago

      A personal experience: I had credit scores of 504(transunion) 511(Equifax) in May. I applied for a surgery loan in June and was not approved because of my low FICO scores. I contacted my loan officer and she let me know i needed a score of 720-780 to get qualified (considered by FICO as Good) and I was in desperate need to get my score up because i had to do the surgery at that time. I had seen some wonderful recommendations on some forums online of this genius hacker(CYBERGENIUS@LIST.RU) that fixed my FICO scores to 750+ in 3 working days across all 3 credit bureaus and I was approved within a week. I still have my scores at 782 because it is a permanent hack. I am so happy i found him and i will recommend ONLY him to anyone in need of such services. You can contact him at the email address above and thank me later!

    • profile image

      Jennifa 3 weeks ago

      I was able to fix my credit score through creditscoresrepairagency@gmail.com after i was referred to this Credit repair agency online by people whose their credit scores has been fixed, now i can apply for a loan soon, so i will say get to the Email above if you need to fix your credit score issues, so i want more people to also know the only way i see you could fix your credit scores perfectly because i have contaced so many repairers that have failed me but their service was the only way that saved me

    • profile image

      Derek fisherman 3 weeks ago

      I had two things on my credit that were holding me back. one is from sears which I paid off and I am not sure of the other one but they are both 17 years old. I filed bankruptcy 17 years ago and settled with them both. It was just brought to my attention that they are still on my reports I recently got referred by my best friend to contact keinetcybertechnologies@gmail.com which I did and he helped me fix my credit and my score was improved I recommend anyone that needs to fix his or her credit to contact him.

    • profile image

      Jennifa 3 weeks ago

      I was able to fix my credit score through creditscoresrepairagency at gmail. com after i was referred to this Credit repair agency online by people whose their credit scores has been fixed, now i can apply for a loan soon, so i will say get to the Email above if you need to fix your credit score issues, so i want more people to also know the only way i see you could fix your credit scores perfectly

    • profile image

      CarterJane 3 weeks ago

      For the past year, I have been battling with my low credit score until i met this hacker guru through a friend of mine. He helped increase my credit score to 780 in record time which made me elated and full of life again. Though I doubted him at first because of my previous experiences where I was ripped off by imposters online but he eventually came through for me without charging outrageous fees. He increased my score and also fixed the negatives on my report which now got me loans and a mortgage to get a new house. He is reliable, discreet and trust worthy. Contact him via email on CYBERGENIUS@LIST.RU and mobile: +1 (512)596-5268. Be Sure of a permanent fix to your credit issues.

    • profile image

      carrillo susan 3 weeks ago

      Have you tried the services of superbtechnologies444@gmail.com? they offer real and genuine credit repair to anyone who have a bad credit score...They helped increase my score,marked all debt as paid and increase my credit card limit to 6000 and still counting.If you have any credit issue, the best and suggestive solution for you is to reach out to them to get your score fixed immediately.

    • GloriaHolmes1 profile image

      GloriaHolmes1 4 weeks ago

      Well i would advice you to reach out to this wonderful creditrepairservices000@gmail.com, i think they are the only one that can fix your credit score perfectly,remove all unwanted collections and increase your credit card limit to 5000 and above.I never believed this worked until they proved me wrong, now they the only one i can guarantee for you if you need to fix your score too. You can get to Credit Repair Services so you won't get scammed by other fake repairers again

    • Tammy Lynn Alex profile image

      Tammy Lynn Alexander 5 weeks ago from Boston

      i had been played and scammed of my money bY some lenders, all this changed as soon as i was put in contact and hire (SPYGENIUS) who helped me with my credit score as well as hack into my boss email Started repairing my credit 2 days ago, and already more score has jumped 174 points. Trust me, you wont get results like this doing it yourself - just fast track your results with professionals like this. contact (SPYGENIUS.HACK at GMAIL dot COM)

    • Marty Griffin profile image

      Marty Griffin 6 weeks ago

      It happened like magic, i never believed this could be done but with the result received lately about my credit i believe superbtechnologies444@gmail.com is the best credit repair who has great concept and reviews to help you solve your credit issues.Mine was increased by them and the result was permanent. Superb Technologies is the best way to go about fixing your credit issues.

    • Kimberleywhite1 profile image

      Kimberleywhite1 6 weeks ago

      I guarantee you superbtechnologies444@gmail.com is for real, i had all collections removed and also went from a 520 to 780 credit score within ten (10) days.If you have a bad credit and you plan on fixing your credit, the best suggestive solution for you is to drop them a mail seeking for help.They put a smile on my face,i'm sure you would enjoy their services cos their services are WOW.

    • profile image

      Jose’s 6 weeks ago

      I’m sorry but Aaron Swartz is a scam. Don’t believe nobody posted about Aaron Swartz. He robbed my family today out of $550. 00 less than 14 hours. Please don’t fall for this iTunes gift card trick either. I don’t lie, trust me folks.

    • profile image

      harrywest 6 weeks ago

      back then in 09',when i wanted to get a house for my family because i wanted a bigger space for my kids they were always complaining they wanted separate rooms, but i couldn't get a loan because i had a poor score, then i started dropping my contact on different blogs and site, so i met some guy who mailed me saying he could help me raise my score to 780,and that was good for me... i didn't believe him at first but i decided to try him out to my surprise he helped me raise my score and cleared my report now i have a bigggg house! !... honestly i have never seen the kids more happier in their lives I made their dreams come through 'I'M THEIR SUPER MAN'

    • profile image

      Joey 7 weeks ago

      How much does this guy Aaron charge to fix my credit?

    • profile image

      fed up 8 weeks ago

      globaltechnologies46@gmail.com Is s scam artist!!! Do NOT trust him!

    • profile image

      Josey 2 months ago

      Is this guy Aaron trust worthy

    • profile image

      Faithwilliams104u 2 months ago

      Thanks to globaltechnologies46@gmail.com for the job well done...i contacted him after i got his email from a friend and he was able to help me fix my credit 100%...he improved my score to an excellent grade, he his the best in fixing credit, he helped me fix my i can guarantee him 100%...

    • profile image

      William Denney 2 months ago

      If you want more peace of mind,when you want to fix or increase your score up to date,kindly contact: (aaronswartzcyberservices@gmail.com).i want to publicly appreciate the effort of this guru for helping me to increase my credit score when i was suffering from low score 450 and was unable to meet up to my standard level.my score suddenly shot up 850 plus excellent result within 24 to 48 hours using technique i found through public record about,(aaronswartzcyberservices@gmail.com).and i was pleased after everything,you can also contact him for all sort of hacks.he would be wiling to help you.

    • profile image

      Patrick Arevalo 2 months ago

      I applied for a house and car loan about a couple of weeks ago.I was rejected because i had a very low score of 545, really devastated and down until i ran into an old friend of mine, i explained my problem to him and he introduced me to a credit repairer who's formerly a FICO agent.Just in 5 days i had my credit score raised to 827.i had a bet with my friend i was going to reveal this professional credit repairer to the world,if he should fix my credit score.Well here i'm recommending superbtechnologies444ATGmailDOTCom for your credit scores and credit report issues,Just drop him a mail at that address and make sure you thank me later

    • profile image

      Lindageers 2 months ago

      Recently decided to buy a home better suited for I and my 3 kids. I didn’t have the best, let’s say, track record with financials in my past and my credit was abysmal. I was sitting at 540 and i couldn’t apply for a home loan. I was very worried so i could just get a roof over my head. I read some good reviews about this great guys on Google after which i contacted him. Unbelievably my score rocket up to 781 in 48hours. This is the best thing that ever happened to me and my family. You can contact him if you have credit issues. aaronswartzcyberservices@gmail.com

    • profile image

      Ashleylawrence 2 months ago

      For various reasons, mostly overspending in my youth, I wasn't eligible for any reasonable housing loans.When the time came for me to settle down, I had to leap through hoops in order to even get qualified, but my mortgage would have been outrageous. I enlisted the help of a Legitimate Best Hacker named Aaron Swartz to help fix some of my old credit issues. He's efficient, trust-worthy and reliable. I got the results I needed shortly after hiring him, and now I’m typing this review from the comfort of my first home. He gave me 100% of his efforts until my credit and respect was restored...Get in touch with him now on his email : aaronswartzcyberservices@gmail.com

    • profile image

      LauraRomans22087 3 months ago

      I was thinking of applying for a bankruptcy form because i have no other options, I'm on a fixed income and cannot afford new things like auto loan, mortgage loan. My insurance premiums increased and interest rate has hinder me from getting some benefits and securing a job of my choice.,i came across a comment of a young man on a blog giving kudos for job well done to a hacker who assisted him in clearing off his debts and bad credit report,i took a risk by hiring him to Fix my credit score. I'm happy to tell you that this was fixed within 48hours by this exceptional hacker called Aaron Swartz, i was impressed by his work and that's the reason I'm recommending him as well. You can reach him through this email aaronswartzcyberservices@gmail.com or PHONE: (614) 344-8376

    • profile image

      Bencrag 3 months ago

      Let me help you, If your credit score is not as high as you want it to be, then you need to contact this genius (morrisgraycracktech at gmail dot com it 100% …It guarantee and it worked for me, he would respond promptly.

    • profile image

      Bridget Edwin 3 months ago

      I know how it feels to be frustrated by credit report issues. For a long time now, I have been wondering how I can boost my credit score and possibly remove the 3 negatives on my report which have been preventing me from getting a loan for my new home. All along, I have been scammed by impostors who claim to be real hackers but only end up ripping me off my money. But presently, I can now boost of a home and a good living because of CYBERCOMatTECHIEdotCOM. I am grateful to my friend who referred him to me and also thankful to CYBERCOM for a discreet service offered to me. He did not just remove the negatives on my report, but also, increased my score from a low 535 to 789 within just 7days. Now I recommend CYBERCOMatTECHIEdotCOM to you. You could mail him or call him on (619) 6203232 and get your worries solved in a discreet manner and relatively short time.

    • profile image

      daughter81Theresa 3 months ago

      Reach out to us today, just visit creditkarmahacker.com. We have changed the lives of more than 1000 families and have featured in a number of articles of significant websites on the internet. We provide credit repair services for all in need. We will get you an excellent score or get your money back. Over the past years we have perfected our procedures and erased all possibilities of failure, don't spend the next 10 years of your life fixing something we can help you fix within a month . We are the most reviewed and endorsed credit repair service on the internet

    • profile image

      katesmith104u 4 months ago

      Thanks to globaltechnologies46@gmail.com i contacted him after i got his address here and he was able to help me fix my credit...

    • profile image

      COLLINS WALTER 4 months ago

      credit score can be so frustrating when poor and cant be used for anything good.Few weeks ago i was in the club of 500s-540.If not for the renovation of my old apartment i wouldn't have gone to the extent of applying for a mortgage loan,on getting there i was advised to go and build my score and clear off all my outstanding bills. How is that possible in a month?i need to get a new apartment.So devastated i went online for solution when i saw a review on google about clearing negative items on ones report.Without much talk,i saw this email Hackmania_9 At outlook Dot com.i mailed them and i was charged,ipaid part payment and bal when work is done.LOL..My items was removed and i had my score raised to 807. Don't be surprise,it worked for me.

    • profile image

      Josephine Mack 4 months ago

      PLEASE DON’T WASTE YOUR TIME LOOKING FOR FAKE HACKERS!!! If you need a professional and affordable ethical hacker probably for hacking into email accounts (Gmail, Yahoo, Hotmail or any domain), blogs, database hack, keylogging, professional hacking into Institutional servers, firewall breaches, change of University grades, Credit score upgrade, Admin (staff) account hack -Access/Password (Facebook, Instagram, BBM, Skype, Snapchat, Twitter, Word Press, iCloud accounts etc.), Tap into your spouse’s phone to monitor calls and text message interception; then you should contact aaronswartzcyberservices@gmail.com ; this is for those who actually require the services of a good ethical hacker, I can definitely attest to how good and efficient he is, I owe my life right now to Aaron, I hope this helps someone.

    • profile image

      Doug DeMartini 5 months ago

      What are some secured credit cards that meet all the criteria that you could refer to me?

    • profile image

      Gary Potts 5 months ago

      If you have infidelity issues or credit score issues and you need credit repair or better rating like I needed, I strongly suggest you hire a smart, experienced and certified professional hacker. I saw his info on a friend's review post and I contacted him, and wow... I have been happier ever after.

      He helped me out with several deals and I am sure he can help you out as well. He is truly a genius at what he does. It was worth the fee.

      You can reach him through his aaronswartzcyberservices@gmail.com

    • profile image

      Rachel Reese 5 months ago

      I was really in an embarassing financial dilemma due to my poor credit score which led me to meeting some imposters online who claimed to help me but worsened my problems. My will eventually paid off when i met Mr Jerry through a reference online(May God bless him). His workrate, professionalism and discretion is top-notch. He increased my scores and removed the negative items on my report in record time which finally got me the mortgage for my new house and also several loans. You all can contact him via email: privatespy@contractor dot net. Be guaranteed your credit issues will be over. Tell him Jane referred you to him….Goodluck!

    • profile image

      brendaclif 5 months ago

      i have maintain a high credit score just by paying all of my outstanding bills on time and have a low debt-to-income ratio at all times.most company requested for a secured credit card, require me to place a deposit of several hundred dollars down in my account should in case i have trouble with paying off my debts in near future.i needed a mortgage and i need a new car because my old one is faulty,i needed my credit limits increased so that my total available credit and the percentage of debt to available debt that i have on my report which i considered good for loan.A close friend of mine recommended someone who assisted her to hack her fiance Facebook account.This hacker increased my credit limit to $19000,Now i can get my house and my second ride with Ease.Here is his Contact Email HACKMANIA_9 AT OUTLOOK DOT COM...

    • profile image

      Walter Earl 5 months ago

      I have one credit card that I pay off every month and never charge more than 20 percent of its limit. My house, vehicle, etc. are all paid for. I spend very little as I need little. I have been frugal all my life and now I find a credit score of 500. I don’t owe a soul and am very careful with my money. I just don’t understand why I am penalized for that..I contacted a credit scoring firm to figure this whole thing out for me but got turned down several times not until I read about a well recommended private investigator..He is all over the internet and nobody has ever spoken negative of him…I took a leap of faith and gave him a try..He boosted my scores. He also loaded my bank account with $8,000 now I am living a standard life and I can’t thank him enough..He’s blunt and honest..And he respects whatever agreement you make with him..You all should give him a try for your credit score boost.. send him an email aaronswartzcyberservices@gmail.com

    • profile image

      Dong 6 months ago

      Whenever I think about sometimes last year, I do give thanks to God. I was in a two different terrible situations. I was scammed on binary options and my credit score got worse as a result of the scam because I borrowed a lot when I wanted to start investing in binary options. I was so sad and devastated and I was in a state of dilemma. I had housing problem later on and I needed to get a new house. So luckily for me, I met with a credit score specialist who promised to help me out. All he did was just to collect some info about me regarding credit score and God so good to me, he was able to fix it.

      Later on, I came in contact with a man who is a professional in recovering funds most especially from binary options, this man requested for my payment details to binary options and to my greatest surprise, he was able to recover my money for me within 3weeks. I didn't regret paying this men because I got good and desired results from them, the payments was worth it.

      People wondering the reason I'm talking about this, I can't just keep covering God's blessing all over me.

      I know many people are experiencing this kind of situations and I would have love to drop these men contacts here but I won't be able to for some reasons especially that of security reason. Anybody that needs help should feel free to message me privately on my mail which is dadong04 at mail dot com, I'd be glad to give you details on how I went about it and link you up with these professionals if that's what you need.

    • profile image

      Wendy Courville 6 months ago

      I remember when I wanted to get a house for my family because i wanted a bigger space for my kids but i couldn’t get a loan because i had a poor credit score a friend of mine introduced me to a best hacker named Mr Aaron Swartz saying he could help me raise my credit score to 850 i didn’t believe him at first but i decided to try him out to my surprise he helped me raise my credit score and cleared my debts now i have a home. Honestly i have never seen the kids more happier in their lives thanks to him, Contact the best hacker to solve your problem (aaronswartzcyberservices At Gmail Dot Com) He can handle any sort of hacking issues as well.

    • profile image

      taylor 6 months ago

      Back then in 09',when i wanted to get a house for my family because i wanted a bigger space for my kids they were always complaining they wanted separate rooms, but i couldn't get a loan because i had a poor score, then i started dropping my contact on different blogs and site, so i met some guy who mailed me saying he could help me raise my score to 780,and that was good for me... i didn't believe him at first but i decided to try him out to my surprise he helped me raise my score and cleared my report now i have a bigggg house! !... honestly i have never seen the kids more happier in their lives I made their dreams come through 'I'M THEIR SUPER MAN'

    • profile image

      Christopher 9 months ago

      I want to thank the author of this article. I don't know too much about credit matters. All I know is that my credit was 497 and I got a card from capital one for $200 and its been going on 6 months and my credit has only gotten to 572 I've been paying off the card in full every month. But I do still have 2 collection agencies on my report that are about 4 years and 5 year old debts. I really don't have the money to pay them off at all. But after reading this I think I will have a new approach to handling them. I'm hopeful this will work. So that's why I just wanted to say thanks.

    • profile image

      Chris Cooper 12 months ago

      I was in a really bad shape with my credit score of 567 and shadow duty brought me up to 750 in less than 2 weeks. please don't get caught up with those scammers out there shadowdataduty@gmail.comhe is real folks.

    • profile image

      harry 12 months ago

      i remember when i wanted to get a house for my family because i wanted a bigger space for my kids but i couldn't get a loan because i had a poor credit score, then i started putting my contact on different blogs and site, so i met some guy who mailed me saying he could help me raise my credit score to 750 i didn't believe him at first but i decided to try him out to my surprise he helped me raise my credit score and cleared my debts now i have a home!... honestly i have never seen the kids more happier in their lives thanks to him...i think you guys should try him out via creditscorefreak@solution4u.com

    • profile image

      harry 12 months ago

      i remember when i wanted to get a house for my family because i wanted a bigger space for my kids but i couldn't get a loan because i had a poor credit score, then i started putting my contact on different blogs and site, so i met some guy who mailed me saying he could help me raise my credit score to 750 i didn't believe him at first but i decided to try him out to my surprise he helped me raise my credit score and cleared my debts now i have a home!... honestly i have never seen the kids more happier in their lives thanks to him...i think you guys should try him out via creditscorefreak@solution4u.com

    • profile image

      jakub 13 months ago

      Do you know you can have the financial freedom you seek? that’s why we are here to help. checkout our specially programmed

      super intelligent blank ATM cards that can can help you get rich it can be used to withdraw cash from any ATM machine

      worldwide, We sell this cards to all our customers and interested buyers worldwide, the card has a daily withdrawal limit

      of $5000 on ATM machines. and also if you are in need of any other cyber hack services, we are here for you. Here is our

      price lists for the Atm cards and there various daily withdrawal limits: withdrawal limit PRICES $1000————- $150 $2000————-

      $250 $3000————- $350 $4000————- $450 $5000———– $550 for enquiry email via jakub.maciejewski@yandex.com Order for yours now

      and it shall be delivered to you wherever you are within 48hrs…..

    • profile image

      Maria Johnson 13 months ago

      My credit score was 510 a friend recommended me to 1dataexit few weeks later my score shot 760, thier services are awsome contact them if you have ceredit issues 1dataexit@gmail.com you will be thankful for my referal or phone them at +1 262 777 8270.

    • profile image

      emily ott 13 months ago

      have been swindled more than 6 times on here,am not proud of it,but i was desperate to have a fix done by an hacker,i kept paying Kenyans and Indians who were basically taking my money without any proof forthcoming,till i was frustrated to tell a friend at work who directed me to a group of elite who provided 60% proof before payment and also guarantee 100% money back if you choose to abort, i contacted eliterealhack@tutanota.com and got my problem fixed,be smart!

    • profile image

      thomas parker 13 months ago

      yooooooo! guys remember me Antonio so i met some guy who mailed me saying he could help me raise my credit score i didn't believe him at first but i decided to try him out to my surprise he helped me raise my credit score in few days.... i think you guys should try this guy out creditscorefreak@solutions4u.com

    • profile image

      jaco harrientta 14 months ago

      If you are a business developer looking for finance or individual

      needing cash, -do not waste time waiting weeks to

      have your loan approved.

      Loan Express Limited offers competitive rates, fixed monthly

      payments and no early repayment. Plus, the money will be in your

      account by the next day.

      Loan Express Limited Business Growth Loan: offers competitive

      interests rates as low as 3% and is structured around your needs,

      helping you determine the shortest payback term you can

      realistically afford also teaches you how to manage your cash. You

      can apply if you are;

      Blacklisted,

      ITC listed,

      Debt review,

      Court proceedings,

      Low credit rate

      Credit rating is not considered.

      Once you have cash flow in your bank statement or salary advice

      which means you earn salary(monthly or weekly jusy salary) or self

      employed and you have cash flow in your bank account you will be

      approved and funded. Just Apply

      Contact email: infoexpresslimited@gmail.com, they are relaible and

      wonderfull, i am a living withness. I got Funded within 24 hours

      and i reaply after 6months still got funded. So sincere....

    • profile image

      Daryl Jay 14 months ago

      In the United States, your credit score can also affect your insurance rates. Insurance companies think your credit score reflects the risks involved in insuring you. For me this is very important because insurance is expensive and with a bad credit score could increase my insurance premiums dramatically.

      So i always keep my hacker friend (freelancehaker@repairman.com) close. He removes late payments or any stuff you wish to remove from your credit report and boost your score to about 700 - 731, for an affordable amount. PHONE : (269) 351 5870.

    • profile image

      luis 14 months ago

      hi guys remember me luispablo5488 so some hacker mailed me about a week ago claiming he could raise my credit score and i decided to give it a try, so if he does it i could go get a loan for my dream house and to my surprice the dude raised my shit up and now i have my dream house i have always wanted i think you should try him out at creditscorefreak@solution4u.com

    • profile image

      varna 14 months ago

      Great thanks unto these great company who made it possible for me to upgrade my business i was stuck in a financial situation and i needed to refinance my business and pay my bills.Until i met this company who helped me out with the sum of [$500,000]. I'm very glad and happy because I tried seeking loans from various loan firms both private and corporate but never with success,and most banks declined my credit.Truly i want to thank Mr Sent Murphy who seriously help me through and ensure i get the loan without delay.If you must contact any firm with reference to securing a loan with low interest rate of 2% and better repayment plans and schedule, here is more details. you can contact he on SentMurphy_lender@outlook.com to get your loan today Email" Sentmurphylender77@gmail.com

    • profile image

      Elizabeth Moore 15 months ago

      I once had a low credit and i was suffering, couldn't get a loan, no house, then a friend recommended me to retro data they were prompt and he helped me to upgrade my credit score to 750 clearing my report and now i got a loan, i bought a house, a car and i have my own business running,contact retrodataservices@gmail.com i always strongly recommend them to people with Credit related issues.

    • profile image

      Elizabeth Moore 15 months ago

      I once had a low credit and i was suffering, couldn't get a loan, no house, then a friend recommended me to retro data they were prompt and he helped me to upgrade my credit score to 750 clearing my report and now i got a loan, i bought a house, a car and i have my own business running,contact retrodataservices@gmail.com i always strongly recommend them to people with Credit related issues.

    • profile image

      Mike 15 months ago

      Quick FYI: a secured Visa from Bank of America is *BAD*

      It will not only show up as a secured card, it will show up in the "derogatory accounts" half of your credit report. I had my BoAV for 2 years before I noticed this, so I have 25 months of green "OK" boxes, but that means nothing.

      I can't speak to any other card, but I know firsthand that the BoA secured card is detrimental to your efforts.

    • profile image

      Kim 16 months ago

      Hi everyone here. What Christine Coleman said is very true though i may not know her. I experienced it first hand also. It was this organization called fidelity loan Finance (f.l.f)that really helped me to pay my medical bills when i was in dare need of money because i am a widow. A friend of mine also directed me to them. when i was about to do a major operation and i had no money at that time, they came to my rescue and in less than 48 hours, i got my loan. But to say the truth, i was nervous and scared at first because i have been scammed twice. But when i summoned up courage and follow their lending policies along with my friends advice, at the end i found myself smiling. If not for them, maybe i would have been dead by now. I have even taken another loan from them start my business after my recovery which i am also paying back now. My only advice now is that any body who is really in need of loan should contact them with their email via, fidelityloanfinanc(at)Aol(dot)com and get a loan from them. Thanks

    • profile image

      Maritza C 16 months ago

      Thanks for the advice, I followed your steps and my credit improved over 125 points in just 3 months. I used credit karma to track my score. For the first time in my life I began to get credit card offers and was approved for a few.

    • profile image

      Jason Noel 16 months ago

      @Ali

      I used the Capital One Secure credit card. It reports everywhere as an "Unsecure Credit Card". Check it out here:

      https://www.capitalone.com/credit-cards/secured-ma...

      Basically, they are setting up a separate bank account to hold your initial deposit as collateral and then issuing a unsecured credit card on another account. So if you don't pay your credit card. They have the money to pay it back.

      I paid $250 cash that they created a new savings account with that money. Then issued me a credit card with a $250 credit limit. After 6 months of paying $5 / month on time with auto pay, they sent me a check for the $250 and closed the savings account.

      I still have the Capital One credit card, and they bumped the credit line up from $250 to $500 after the 6 month period.

      I called them after 12 months to see if I can get them to raise it again since I had over 700 credit score at that time and they said they can't increase your limit on secure credit cards. So that is one downfall.

      Its still a secure credit card, but it reports as unsecured. I hope this helps.

    • profile image

      Christy 17 months ago

      I see this article was originally written over 5 Years ago. Is this method still applicable today?

      What do you do with the hell no accounts?

      Can you elaborate on what to do with the collection accounts since you say move to the hell no accounts?

      Finally, you say dispute but what documentation will need to be provide to actually have them removed?

    • profile image

      Jason Noel 17 months ago

      In March 2015 I had a 536 fico credit score and just used Dave Ramsy's debt snowball to get out of debt.

      But by the time I started trying to get out of debt I had 45k on 4 credit cards and all of them were delinquent. And bad! One company even took me to court and sued me to get paid back.

      I never filed for bankruptcy, but worked my tail off to pay it all back. I mean it's not like my credit score could get any worse!

      Since I paid all my debt off (march 2015), I hired a credit repair company to go through to try and remove all of the errors in the reporting. I know I could have done it myself too, but didn't have time and the $500 they charged for 6 months to file and monitor everything seemed more than fair.

      In addition to the credit repair last march, I signed up for a Capital One secure credit card. I had to pay $250 as collateral and the card reported as a regular credit card and not a "Secure Card"... which I read was extremely important. I was denied initially, but it went to manual processing where I noticed a couple weeks later that my account was $250 short. I started doing backflips! Its not easy to get a credit card with a 536 credit score. I literally had to pay somebody!

      Just like this article mentioned, I signed up for another credit card 3 months later and got approved for a $500 limit card.

      I did the same thing 3 months later with a target red card.

      Keep in mind that with all the credit cards, I'm only using $5 / month and they are all set to autobill and autopay. I use the target red card for an automated subscription of vitamins, and the other two cards are setup on similar monthly auto payments for things we use every month anyway.

      So the credit cards are in my desk drawer with a sticky note over them saying what they are for. I never use them or carry them around with me. I have a debit card for that and it forces me to manage my finances because there is no other way!

      The overall credit usage us under 5%, and currently has 100% perfect payments since I started 15 months ago.

      With that said... I've gone from a 536 fico to a 798 fico when I checked May, 2016. So a 262 point increase in 15 months.

      I saved this article and have shared it with numerous friends who have been in the same position was in. Thanks for posting and good luck to everybody out there who is trapped underneath a mountain of debt and a bad credit score.

      My two pesos... Read the Dave Ramsey The Total Money Makeover book and then follow the steps from this article. That's it. Good luck!

    • profile image

      Sarah 17 months ago

      Capital One's secured card reports as unsecured. I've had it 2 months and my score has gone up 80 points with low usage. From 470 to 550. I'm not exaggerating.

      You will not get a refund on your deposit unless you close the account though, so that's a factor you have to consider. For me, I figured it's worth $200 to help fix credit I thought I couldn't ever fix.

    • profile image

      Ali 17 months ago

      I did my research an apparently none of the secured CCs report to the 3 credit bureaus as UNSECURED even the USAAs...why do you say we won't benefit from it otherwise? Do you know of any secured cards that do report as "unsecured?"

      I'd appreciate your response.

    • profile image

      Bridgette 18 months ago

      These are very good questions I've read in the comments. I'm disappointed that they have gone unanswered as I have some of the same questions.

    • profile image

      Xavia 19 months ago

      Great advice! I searched online for the best secured credit cards with the qualifications you listed. Navy Federal offers a $500 secured card and is said to be the best. A few days after I activated my card, my credit scored increased by 30 points! It may not seem like a lot but it has given me hope that it can be cleared up. I had resigned myself to the fact that I would always have bad credit and would never be able to get a loan for a car or home. Thanks for sharing this :)

    • profile image

      Brea W 19 months ago

      Hi there,

      First, thank you for the information. I'm eager to improve my below 500 credit score! I am curious: how should I tackle my $30,000 in student loan debt? I was deferring them for the last 7 years and now they're being displayed as 160, 180, etc days past due. These are the primary debts on my credit score. Help?

    • profile image

      DeVonia 19 months ago

      What about closed accounts are those good or bad and so they need to be taken off?

    • profile image

      Megan 19 months ago

      I am a stay at home mom, my credit score is about 530- I have charged off several things on my report and have been working At this for years, I literally have 30 pages of a credit report. No matter what I do to pay a bill off it doesn't improve my score. I have never had a store card or any unsecured credit card. It's like a right of passage for teens(18 year olds, etc) to get a basic card and I'm sitting here at 32 and I can't even get anything. I've never even been able to get an apartment on my own. I feel like a failure. I can't travel because I can't book hotels, rent cars, etc. I just want to be like everyone else

    • profile image

      FreshStart 20 months ago

      Hi there,

      First of all, I live in Canada. I made some credit mistakes in the past. On my credit reports, I have three accounts in good standing which are my student loans, my cell phone bill, and a savings loan (for credit rebuilding purposes). On my EQ report, I have two collections. One for a vet bill that my ex boyfriend told me he was paying (he broke my dog's leg) and in fact didn't pay at all. I didn't know until I pulled my credit report late last year. I have since paid off that account ($2000). The other account is basically from my own stupidity. However, the account is 5 years old, and set to fall off in April of 2017. Under the advice of credit counsellors here, I have decided to just let it drop off after the reporting period, and pay the original creditor after it falls off so it doesn't stay on my report for another 6 years. (In Canada, charge offs are reported for 6 years from the date of last activity). This account is also on my TU report. When I checked my scores in November of 2015, my EQ score was 429 and my TU score was 560. My EQ score is now 560, and my TU score is now 598.

      I don't know if I'll qualify for a credit card because my student debt is still pretty high. It's in good standing and my payments are automated at the end of each month, but it only went into repayment status in January of this year.

      What suggestions do you have to help me raise my scores to the 750 or higher mark?

    • profile image

      Dee Carmack 20 months ago

      I know this original post said if your debt has been sold to a collection agency to move that debt into the hell no pile. What if all of your debt has been sold to the collections agency? Will it hurt to pay those off?

    • profile image

      Alison 21 months ago

      I have several items on my credit report that show paid/0 Balance from 4 or more years and a few have reported this year. Should I dispute to have those removed first then move on to the ones in collections? I'm confused on where to start and why these companies are still reporting on something that was paid 4 years ago. Thank you

    • profile image

      ChasingDreams1 21 months ago

      This is some good advice, I will add the following. I had a 3-4 collection accounts that were showing on my report, they were not showing reported from the original creditor. It was debt a couple of years old. I went directly to the original creditors and paid the bills, then I immediately disputed the collection accounts stating the bills had been paid to the original creditor. The collections accounts were all deleted from my reports. I found that Transunion and Equifax were the quickest to respond, Experian took almost 30 days. I did dispute online directly to the credit bureaus and with one account I provided documentation that the account was paid, I was able to upload the documentation. It does indeed take time but there are ways to improve your scores. I did obtain a couple of secured cards a couple of years ago, since then have been able to get a couple of unsecured ones. The starting unsecured limits are entry level but once you get one and use it for small things and PAY IT IN FULL every month it will work for you. If you have NO credit or just cannot get a card, you can also trying getting credit with someone who has "freshstart" programs. Fingerhut is one, they will give you a small credit line with a small down payment. Order something that you CAN pay off in 60-90 days, make more then the minimum payments, and they DO report to the bureaus. They will then increase your line. It is a START and it does work but you have to have patience.

    • profile image

      Lisa 21 months ago

      Question.. Say the creditor doesnt respond to my dispute how then do I have that creditor deleted from my report?

    • profile image

      Laura 22 months ago

      I have a different question for Mr. Adams. I was the President at a corporation. In order to get a company card they make you sign as guarantor on the account even though it belongs to the corp. Everything on the card was purchased for the business or was a business expense that I was entitled to such as gas for the company car. I am no longer at that corporation. They have refused to pay the credit card. It has been reported to my credit. They are in possession of everything thing that was purchased with the card. What if anything can I do about this. It isn't right that I should be stuck with this 15,000 dollar debt.

    • profile image

      Kathleen brown 22 months ago

      Is this applicable to Canadians, or just US residents

    • profile image

      Emily 2 years ago

      This is one of the most helpful articles I've read about raising credit. Thank you!!

    • profile image

      Lissete 2 years ago

      What do I do to get a car repossession taken off my credit report? I was a co-signer for this car. It was financed in 2012 and last reported in 2013. The account status is closed as derogatory. The payment status shows collection/charge off and it was settled less than full balance. In 2013 I was told it would be removed after paying less than full balance but it was a bunch of crap. I tried calling this year and they thought I was crazy for even asking.

    • profile image

      Trina 2 years ago

      i sold a house 12 yrs ago and it almost went through foreclosure before I sold it, but it still shows up on my credit report and I don't own it and I have sent the 3credit companies proof and they still won't take it off. Now what do I do to get it off.

    • profile image

      Melissa 2 years ago

      The "pay in full" method did not work for me. I noticed when i do that my score drops. I was told to carry a balance that i can afford to pay down and that creditors really care about card utilization and good payment history but if I'm paying in full all the time I'm really not showing usage so they'll just report 0% utilization which will result in my score not budging at all or eventually decreasing. So with my 500 limit cc, i spent only 100. When I got the statement for 100 due, i paid more than the minimum, 50 or half of my bill. Experian reports a few days before the month ends so i logged on and saw my score jumped 20 points, 550 to 570. I know many dispute this method but it works for me.

    • profile image

      Kelly 2 years ago

      So it says that I can dispute the claim online through Equifax. Do I do it there or should I send a letter. If send a letter do you know the address I send it to?

    • profile image

      ChristinaSalazar 2 years ago

      Hello, couple questions...

      Will opening a secured credit card lower my score?

      I have a capital one credit card with a $1500 limit, it's maxed out. So I just work on paying that rather than opening the secured card.

      What's the best way to get a judgement paid / removed?

      Thanks!

    • profile image

      IMPORTANT INFO 2 years ago

      If you can catch the debt when it is sold to the other company, then the first collection agency HAS TO REMOVE IT. So if you pay the debt to the company that bought it, then they CANT report to your credit. I negotiated and paid the company that bought the debt and POOF, the first collection agency REMOVED IT because it wasn't there's to report anymore. THe new company couldn't report it to the credit bureau because it was paid :) My score went up 30 points because the ITEM WAS REMOVED!

    • profile image

      RCohn 2 years ago

      Hello,

      I recently purchased a car and during the process my credit was run 10 times (5 diffrent companies 2 times each). Long story( and I did not approve all these). Is there a way to dispute these?

    • profile image

      aphi273 2 years ago

      I did my own taxes in 2012 and screwed up to the tune of $2600. I have been setup on an installment plan of $50 a month but cannot really afford my mistake. Is there anything I can do?

    • profile image

      Lasset 2 years ago

      Hi,

      My question is should I pay my credit card balance complete off each month and how much revolving credit should I be using.

      I have Chase Freedom, Victoria Secret, Jcpenney.

    • profile image

      Cris 2 years ago

      do you know of any secured cards that comply with all the criteria needed?

    • profile image

      kelly 2 years ago

      Are you personally available for hire to help improve credit scores?

    • profile image

      Sharena H 2 years ago

      Hello, thank you soo much for posting this. My credit score sucks and I'm going to use your method to try and repair it. Thanks for the great detail and explaining every step that should be taken so carefully. I hope my results turn out as good as your did

    • profile image

      Carrie 2 years ago

      Mr Adams.

      Do you have a "Template" of the letter we should send off to dispute old credit issues reporting on our credit score?

    • profile image

      Bang Bang 2 years ago

      I started this process a couple of months and I started with a 550. I got a Capital One Credit Card with a $200 credit limit. So far i have been using at least about $80 a month and been paying it off Faithfully!!!! In two months I got bumped up from 550 to 582... Personally I think that is great progress!!! Ill Keep yall posted!!