Learn how an innocent credit card can reduce your scores by 150 points – overnight. It does not matter if you made all of your payments on time, or even early! The folks at FICO may applaud your timely payment efforts, but there is something they care about even more.… Read More

Credit card issuers have the ability to bring your account current and wipe out your entire record of late payments using a procedure called “re-aging”. Re-aging, if managed properly, can be a fantastic credit repair tool. The re-aging guidelines were set by the Federal Financial Institutions Examination Council (FFIEC) in June of 2000 for the purpose of helping “borrowers overcome temporary financial difficulties, such as loss of job, medical emergency, or change in family circumstances like loss of a family member”.… Read More

One of the most effective credit repair strategies for anyone that has been through a period of bad credit is opening fresh revolving accounts. Nothing can rocket your scores upward, faster and farther, than a couple of new credit cards. Why does this work so well?… Read More

If you have had credit problems and are in search of the best credit repair technique to boost your credit scores, look no further. The latest release of the FICO algorithm provides an amazing score boosting opportunity. In keeping with the spirit of FICO, this is not a magic trick, but a means of rewarding those who prove their worth.… Read More

There are two forces that influence your credit scores, the negative and the positive. Cleaning up negative information is our job. Building positive credit is all about you. Both are integral parts of a successful credit repair program.

100 Points for a Start

Seeing negative information get deleted is an exciting part of the credit repair process, and a clean report is a joy.… Read More

It is always nice to see a spectacular FICO score. In the credit repair business we see scores across the board. We see some pretty lofty numbers as a matter of course. And yet, anything approaching the 850 mark is almost an aberration.… Read More

You do not have to live with poor credit for the next seven years. Patience may be a virtue, but when it comes to your credit you should take action today. Credit repair is a smart choice, and a powerful way to accelerate the process of recovery and improvement.… Read More

Once burned, twice shy, it is natural. If credit cards contributed to the negative issues on your credit report it makes sense that you would hesitate to venture back into the realm of revolving debt. Yet, there is nothing like a credit card (or preferably two) to trigger quick and significant credit repair progress.… Read More

Please read carefully – this may be the most powerful, least publicized FICO scoring trick there is, and there is more than meets the eye. Are you ready? New accounts opened after a period of bad credit are given special weight by FICO.… Read More

Successful credit repair involves a broad approach to cleaning up your credit report and restructuring your credit. Everything matters. But some aspects of credit repair are more potent than others. Among all of the techniques you can use to boost your scores, the proper management of credit cards is the most powerful.… Read More