lf Your CREDlT SCORE ls BeIow A 65O! READ THlS
1. Get any negative items / late payments removed, Dispute letters are proven to be most successful but you can also Send goodwill letters , and pay to delete letters
2. Keep your credit card utilization under 30% lenders like to you see if you are responsible and able to maintain the accounts you currently have
3. Stop Only Making One Payment A Month! Make payments twice a month! Half on your statement date and the other half on your due date! The statement date is what matters the MOST!
4. Just because you paid a debt collector doesn’t mean your score will improve or be removed! It will still show up on your report unless you get a Pay To Delete Letter Agreed & Signed by The Debt Collector for them to personally remove it from your report! If they DONT, you can send a copy of the letter to the bureaus as proof and have it removed!
5. Late Payments Can Be Disputed If The Account Is Still Open! If it has turned into a collection or charge off, GET THE WHOLE ACCOUNT REMOVED! (Repos, Credit Cards, Student Loans, ETC)
6.Freeze Your Account Before Disputing. Opt-out of secondary credit reporting companies to remove their services and suppress their report so they will not report to companies on your behalf.
You do not want them reporting behind the scenes information while you are disputing negative accounts. You do not want TransUnion, Equifax, and Experian to have information to verify your
accounts. #digitalplanning #lemon8challenge #creditrepair #credittips #letschat
To improve your credit score, start by cleaning your credit report. Remove outdated addresses, employers, and names. It’s crucial to contact debt collectors properly; instead of paying, send them a certified letter demanding validation of the debt. If they fail to respond within 30 days, the debt must be removed from your report, which can significantly boost your score. Always keep your credit card utilization below 30% to show lenders you're responsible. Making multiple payments each month can improve your timing and enhance your financial profile. Dispute late payments on accounts still open, and get accounts removed if they've transitioned into collections. Freezing your account before disputing can protect your information from unwanted reporting while you address negative marks.
See more comments