1. Myth: To add an article injustice done, you can get personal with credit bureaus and challenge them 30 days to the accuracy of the information before we can correct or delete the article.
While this is certainly the least expensive (it's free if you do online), is also frustrating and boring. If you try to make a large purchase of a house or car, or refinancing of them there is a better way. Mortgage and AutoDealers have direct access to the lender with your supplier for a credit report. Credit reports can be updated in just two hours, with a little-known vehicle as a "Rapid Re-Score". This service costs $ 25 per division of the credit. Thus, if an object is not properly cost coverage on all three pages, $ 75, to correct the bill. All that is needed is documentation from the name of the supplier and the figure showing the correct information. OnPresentation will review the information, the credit file is updated and a new credit score is generated. Once the standard run about 48-96 hours, but as mentioned, it can happen, just two hours.
2. Myth: If I pay my credit card every month, my report shows the credit cards with a zero, and my credit score will be as high as possible.
If you use credit cards every month and pay the due date, your credit report does not show a zeroBalance on these cards and the score will be negatively affected by the percentage of use over the credit limit.
Why is this so? As the credit card companies to credit by the time of this report, you will receive a monthly statement to make. So suggest to "the system, you need to change the date to make the monthly payment in advance until the date of the invoice. In other words, if the return on the 15th of the month and the due date is generated, the 25 . of the month every month, you mustsome 12, go online to get your balance and pay into account, the processing time and register with the system of internal accounting of the credit card company. Then 15 If the statement is processed, your statement will indicate that you are nothing and the credit card company your account with a zero balance reported.
3. Myth: You can not remove any legitimate derogatory items.
There are a variety of ways to remove derogatory items custodyNegotiations with the lender at a point per month contest to control them to waste time and resources and eliminate're tired.
4. Myth: If you have bad credit you will receive a bank does not automatically have a loan.
To create new credit, you can walk into a store and buy a) Certificate of Deposit (CD. The bank will lend you the CD, and monthly payments. For example, you can buy a CD of $ 2,500. Therefore, while maintaining a loan from the bank with the CD as collateralfor $ 2,500. From the bag is zero, but you have a legitimate bank loan, is that this report, the Credit Bureau. The obvious negative is that you interest on the loan above the yield on the CD, but if the credit needs of the restoration and reconstruction, we are back to "buy".
5. Myth: The credit card accounts closing help my credit score.
Lenders actually run a ratio of the maximum use of revolving accounts (credit --Cards) and what percentage is used as part of your credit score. Always leave open the credit card account, even if you do not use them. Its closure reduces the credit available and a negative effect on your credit score.
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