Legally Improve Your Credit Score

Legally Improve Your Credit Score

by Rajan Patel
     
 
There are many misconceptions about credit scores out there. There are customers who believe
that they don’t have a credit score and many customers who think that their credit scores just
don’t really matter. These sorts of misconceptions can hurt your chances at some jobs, at good
interest rates, and even your chances of getting some

Overview

There are many misconceptions about credit scores out there. There are customers who believe
that they don’t have a credit score and many customers who think that their credit scores just
don’t really matter. These sorts of misconceptions can hurt your chances at some jobs, at good
interest rates, and even your chances of getting some apartments.

The truth is, of you have a bank account and bills, then you have a credit score, and your credit
score matters more than you might think. Your credit score may be called many things,
including a credit risk rating, a FICO score, a credit rating, a FICO rating, or a credit risk score.
All these terms refer to the same thing: the three-digit number that lets lenders get an idea of how
likely you are to repay your bills.

Every time you apply for credit, apply for a job that requires you to handle money, or even apply
for some more exclusive types of apartment living, your credit score is checked.

In fact, your credit score can be checked by anyone with a legitimate business need to do so.
Your credit score is based on your past financial responsibilities and past payments and credit,
and it provides potential lenders with a quick snapshot of your current financial state and past
repayment habits.

In other words, your credit score lets lenders know quickly how much of a credit risk you are.
Based on this credit score, lenders decide whether to trust you financially - and give you better
rates when you apply for a loan. Apartment managers can use your credit score to decide
whether you can be trusted to pay your rent on time. Employers can use your credit score to
decide whether you can be trusted in a high-responsibility job that requires you to handle money.

The problem with credit scores is that there is quite a bit of misinformation circulated about,
especially through some less than scrupulous companies who claim they can help you with your
credit report and credit score - for a cost, of course.

From advertisements and suspect claims, customers sometimes come away with the idea that in
order to boost their credit score, they have to pay money to a company or leave credit repair in
the hands of so-called “experts.” Nothing could be further from the truth. It is perfectly possible
to pay down debts and boost your credit on your own, with no expensive help whatsoever.

In fact, the following 101 tips can get you well on your way to boosting your credit score and
saving you money.

By the end of this ebook, you will be able to:


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•Define a credit score, a credit report, and other key financial terms

•Develop a personalized credit repair plan that addresses your unique financial situation

•Find the resources and people who can help you repair your credit score

•Repair your credit effectively using the very techniques used by credit repair experts

Plus, unlike many other books on the subject, this ebook will show you how to deal with your
everyday life while repairing your credit. Your credit repair does not happen in a vacuum.

This book will teach you the powerful strategies you need to build the financial habits that will
help you to a keep a high credit risk rating. It really is that simple.

Start reading and be prepared to start taking small but powerful steps that can have a dramatic
impact on your financial life!

I recommend you order a copy of this new eBook right now so you can take full advantage of all its useful resources.

Product Details

ISBN-13:
2940012768599
Publisher:
Rajan Patel
Publication date:
07/19/2011
Sold by:
Barnes & Noble
Format:
NOOK Book
File size:
408 KB

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