In this article we are going to take a quick look at EXACTLY what you should expect from the credit repair process. Should your credit score go UP, and if so…how much? Is there even a way to predict how much improvement you should expect? Let’s take a look at some key questions many folks want to know BEFORE they begin the credit repair process! Read on below..:-)
The Straight Scoop on Raising Your Credit Score
The credit repair process primary purpose is to focus on negative, or derogatory items from your financial past. These are EASIEST to remove as time passes, with closed accounts that are 24 months or older being some of the easiest things to purge from your report. But that should only be ONE part of the process – an informed consumer knows all kinds of little tricks and secrets that will add important points BACK to your FICO…and in a hurry! For example, disputing multiple inquiries can have small incremental improvements that really do add up, and CAN make a big difference. So too will seemingly small things that are actually HUGE in terms of scoring – like the amount you OWE relative to balances on current, open and positive accounts you have right now.
The Gross Multiplier Effect in Action
It’s the cumulative effect of ALL the little improvements, in conjunction with REMOVING all of the major league derogatory items is where the REAL exponential gains start to show. Don’t leave anything on the table when you are repairing your credit, as 20 points can make the difference between an A loan and a B loan….or between GETTING a job, apartment or insurance or being turned down FLAT! I’ve had it happen, trust me – the more thorough you are when filing your disputes, the GREATER the benefits are going to be when you need them!
And Remember……Credit Repair is NOT difficult. Living with Bad Credit though…..CERTAINLY IS..:-)
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