Increasing Your Credit Score from 550 to 750 in Twelve Months

Updated on May 3, 2016
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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!

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      Jennifa 3 months 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 3 months 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 3 months 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 months 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 months 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 months 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 months 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 months 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 months 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 months 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 4 months 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 4 months 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 4 months 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 4 months 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 4 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

      Joey 4 months ago

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

    • profile image

      fed up 4 months ago

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

    • profile image

      Josey 4 months ago

      Is this guy Aaron trust worthy

    • profile image

      Faithwilliams104u 5 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 5 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 5 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 5 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 5 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 6 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 6 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 6 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 6 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 6 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 6 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 7 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 8 months ago

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

    • profile image

      Gary Potts 8 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 8 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 8 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 8 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 8 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 8 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 8 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 12 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 15 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 15 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 15 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 16 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

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      Maria Johnson 16 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.

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      emily ott 16 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!

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      thomas parker 16 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 16 months ago

      If you are a business developer looking for finance or individual

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

    • profile image

      Daryl Jay 17 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 17 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 17 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 17 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 17 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 18 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 18 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 19 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 19 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.

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      Christy 19 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?

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      Jason Noel 20 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!

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      Sarah 20 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.

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      Ali 20 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.

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      Bridgette 21 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.

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      Xavia 22 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 :)

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      Brea W 22 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?

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      DeVonia 22 months ago

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

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