Fixing your credit

fix your credit on your own and monitor every month

Fixing your credit is simple and does not take as much time as credit repair companies want you to think. Some say credit scores 730 and above can get you anything, I say 660 and above depending on what you want vs what you need. Either way it goes we are always looking for ways to increase our scores. If you are one of those people like me that rather fix your credit yourself other then spend money to have someone else do what you could have done in the first place then you are in the right place. I have listed a step by step recipe for excellent credit.
  • know where you stand
Find out your credit score. There are so many credit reporting agencies like myfreescorenow.com that will provide you with a detailed report.
  • Old collections
Do not pay on old collections "period". for a debt to be deleted from your record it takes 7-10 years. By paying on old collections (5+ years ) you activate the debt another 7years.
  • Something is better then nothing
just pay something even if it is $5
  • NO inquires
stop trying to apply for credit cards and stay away from anyone who want to pull your credit for what ever reason.
  • Stealth mode
have you mom ever told you when arriving at the grocery store "don't ask for shit and don't touch nothing"? we same applies with rebuilding your credit on your own stay away from things that could harm your credit for at least 2 years.
  • 100+ points
Get those errors disputed. Find all the errors on your record and get those dispute letters out. You could do all of this on your own and it may be very time consuming to do so but it can be done.

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