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Credit Reports Absecon NJ

The value of diligently tracking your credit score is often underestimated. Failure to know what is on your credit rating can keep you from qualifying for loans and in far too many cases will cause you to pay higher interest rates.

Jersey City Credit Card Debt Consolidation
(201) 918-3845
69 Montgomery St
Jersey City, NJ
 
DIVORCE-$299
(973) 954-1704
877 Broad Street
Newark, NJ
Prices and/or Promotions
$299 plus court cost

Bailey & Orozco LLC
(973) 693-4408
744 Broad Street Suite 1901
Newark, NJ
 
Alan I Smith
(201) 792-6700
69 Washburn St
Jersey City, NJ
 
Fitzgerald Nicholas
(201) 533-1100
649 Newark Ave
Jersey City, NJ
 
Subranni Zauber LLC
(609) 335-1882
750 Route 73 South
Marlton, NJ
 
Leanza & Agrapidis
(201) 656-7828
3232 John F Kennedy Blvd
Jersey City, NJ
 
Abad Constancio & Mallonga Inc
(201) 451-7277
66 York St
Jersey City, NJ
 
The Law Offices Of Joseph M Ghabour, P.C.
(201) 656-3300
591 Summit Avenue, Suite 208
Jersey City, NJ
 
Law Offices Of Vincent E. Bevacqua
(973) 919-0994
50 Park Place Suite 1400
Newark, NJ
 

How to Raise Your Credit Score

Looking For A Home Loan? How to Raise Your Credit Score
Thu 11/29/07 06:35:09 pm
by Ellise Walsh

The value of diligently tracking your credit score is often underestimated. Failure to know what is on your credit rating can keep you from qualifying for loans and in far too many cases will cause you to pay higher interest rates.

The trick to raising your credit score is no secret, but it does take diligence and hard work.

First, check to see what is on your credit report. You can usually obtain a copy of your credit report for free on a trial basis from a number of agencies. Take caution, however, not to overuse these offers. Requesting too many credit reports can actually have the opposite effect on your credit score. When lenders see a large number of credit report inquiries they assume it is due to applying for loans and credit cards. This translates to money problems and lowers your credit score. At the most, you should only request your credit report one to two times per year. That should be sufficient for you to stay on top of your credit score.

Make sure you obtain a three-in-one report. There are several credit reporting bureaus and each one calculates your credit score in a slightly different manner. It is in your best interest to find out what is being reported by each agency.

If you do have a bad credit score, some of the items that contributed to your rating will take time to clean up, but the good news is that some can be cleaned up in just a matter of days.

Save yourself some money and time and steer away from offers from companies who claim they can fix your credit score for you. In most cases, these companies charge a small fortune and do very little. There is really no secret to fixing your credit. You can do it yourself and save yourself their expensive fees.

When you receive your credit report, be sure to review it carefully. While most of the information your report will probably be accurate, there may be some information that is completely in error. For example, you may notice that while you distinctly remember paying off a bill in the past, it is now showing up as delinquent on your credit report. In worst case scenarios, you may realize you have been the victim of identity theft and someone else is having a good time at the expense of your credit rating.

If you do see something on your credit report that looks suspicious or that you know is completely in error, write a letter. Keep it brief, but state in clear terms what the situation actually is. If you paid off that bill, include copies of backup documentation; such as cancelled checks or receipts. Mail the letter certified with a return receipt requested.

Be aware of what factors contribute to your credit score. Payment history, account balances, age of established credit, recent inquiries and opened accounts, credit mix are the five major factors that makeup your credit score.

Don’t succumb to offers for a certain percentage off a pu...

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