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There are a few things you can do to raise your credit score.

1.) Pay down credit card debt.
Pay down your credit card debt so that you have at least 70% available credit. (This will show you are a responsible borrower)

2.) Settle collection debt with collection agencies and get your account to reflect a paid in full status. (Although this will not guarantee it will come off of your report)
 
3.) Make ontime monthly payments on your credit cards for a full year. (This will reflect a good payment history)

4.) You can learn learn how the credit laws work and open an investigation to dispute negative, outdated, erroneous, and obsolete items on your report. (This takes time, effort and persistence)

5.) You can hire a reputable credit restoration company to do all of these things for you. (Just like you go out to eat, or use a mechanic, or any other service you do not want to do yourself)

 Due to the growing number of people across the nation in need of credit restoration, and with very few reputable companies out there to meet the demand, there is an opportunity for people to get trained and become an agent for our company. 

If you have ever been interested in helping people fix their credit, and get compensated to do so, you might be right for the job.

 You do not have to be a credit expert to get started, but you most certainly do need to get trained if you want to be successful.

 We have an extensive training platform that will teach you in a matter of months how to understand all the fine details that go into being a credit specialist.

This is a great industry full of potential for those who want to help others better their lives. And also better their own lives in the process.

If you are interested in joining our company you can leave me a message in my "Hangouts" and I will be sure to get back to you for an interview.

Since we are a national company licensed in all 50 states, if you are not from Minnesota, I can get you in contact with somebody near you that can help you get started. Our training platform is held nationwide.

I am always looking to help our company grow and expand. If you are from an area that does not have a company like ours, and you see a need for our service, you could be the one to provide it through us, for your community.

A few things you may want to consider when using a credit restoration company to help you fix your credit are:

1.) Their Better Business Bureau rating.
This shows credibility. Since no company can "buy" a good rating with the BBB you can trust their rating. There are a ton of less than credible companies out there that say they  can help you. The first thing you should do is go to the BBB website and find out for yourself if they have complaints against them, and what those complaints are. Chances are if they do not have at least an "A" rating they have done something wrong. and their are only a handful of  credit restoration companies across the nation that have an "A" rating or better.

2.) How long have they been in business?
This is important because it shows longevity. There are alot of "fly by night" companies here today, and gone tommorrow. You have to be careful not to give your money to an unestablished company that may not be there for you in the long run. Check to see how long they have been around. It can save you a headache down the line.

3.) What items will they help you dispute?
Some companies will only dispute certain items on your report. You want to find a company that will dispute ANY and ALL negative items on your report to give you the best chance at raising your score.

4.) Do they have a satisfaction money back guarantee?
Make sure they have a guarantee on their service. Because the bureaus make their own rules, no credit restoration company can guarantee they can get an item off of your report. If they say they can guarantee you that, they are lying, and that should be a red flag. That being said, make sure the company has a gurantee of their own, that if they do not get your desired results they will reimburse you for not getting the results you want. Nobody should take your money without helping you. Get a guarantee.

 There are three major credit reporting agencies: EQUIFAX, EXPERIAN and TRANSUNION. These agencies collect data and maintain records on millions of Americans and their bill payment histories. The reports tell lenders how much credit you've used, what types of credit you've used, how long you've had various accounts, and whether you pay your bills on time. Every year, billions of lending decisions are based upon the information in those reports.

 Your credit report and score strongly influences how much credit that will be made available to you and the terms you are offered by lenders. The speed you are approved for credit, the interest rates you get, and decisions about the amount of credit are all determined by the information found in your credit report.

A credit score is a number that reflects your risk level, as an individual, to a lender. The higher the number, the lower the risk will be to the lender. As you apply for increased credit or attempt to make a purchase, the lender will check your ability to pay back that loan. The more negative marks you have on your credit report, the less likely you will be granted the loan or purchase you requested.

Absolutely. The Fair Credit Reporting Act allows anyone to dispute inaccurate items on their credit reports. There's nothing we do that you cannot do yourself when it comes to fixing your credit situation. Individuals can restore their credit on their own but this can take time and a lot of knowledge when it comes to the credit laws. That's why we are here to help since we have the experience and knowledge to get you the positive results.

Although each credit reporting agency formats and reports this information differently, all credit reports contain basically the same categories of information.

Identifying Information.
Your name, address, Social Security number, date of birth and employment information are used to identify you. These factors are not used in credit scoring. Updates to this information come from information you supply to lenders.

Trade Lines.
 These are your credit accounts. Lenders report on each account you have established with them. They report the type of account (bank card, auto loan, mortgage, etc.), the date you opened the account, your credit limit or loan amount, the account balance, and your payment history.

Credit Inquiries.
 When you apply for a loan, you authorize your lender to ask for a copy of your credit report. This is how inquiries appear on your credit report. The inquiries section contains a list of everyone who accessed your credit report within the last two years. The report you see lists both "voluntary" inquiries, initiated by your own requests for credit, and "involuntary" inquiries, such as when lenders order your report so as to make you a pre-approved credit offer in the mail.
Public Record and Collection Items.

 Credit reporting agencies also collect public record information from state and county courts, and information on overdue debt from collection agencies. Public record information includes bankruptcies, foreclosures, law suits, wage attachments, liens and judgments.

What Items Are In Your Credit Report?

•Identifying information such as name, address, date of birth, and names of employers. Most of this data comes from information you fill out on credit applications.
•Trade lines - all of your credit cards and other accounts; the date that you opened the accounts, your credit limit, high balance, current balance, and payment history, etc.
•Credit Inquiries - voluntary and involuntary inquires including account review inquiries( from your current lenders), hard inquiries (for new loan or credit applications) and promotional inquiries (for credit card companies and other solicitation offers).
•Public Records (bankruptcies, foreclosures, wage garnishments, liens and judgments)
•Collection accounts.

Items That Are Not Included In Your Credit Score
 
Although this information may appear on your credit report, it is not taken into consideration for your credit score:

•Age
•Race, color, religion, nationality, sex or marital status
•Occupation, salary, employer, length of time employed
•Where you live
•Interest rates charged to you on credit cards or other account
•Any item reported as child support or rental history
•Certain types of inquiries (consumer initiated inquiries or promotional inquiries)

What Goes Into Calculating My Credit Score???

Payment History(35% of your score)

•Current payment record for car loans, mortgages, retail accounts, installment loans, credit cards, etc. on paid as agreed accounts
•Public records (bankruptcies, foreclosures, wage garnishments, liens and judgments)
•Severity of delinquency (length of time past due)
•Amount past due on accounts or collections
•Recency of delinquency or public record or collection
•Number of past due or derogatory accounts

Payment History Tips

•Pay your bills on time (new late payments and collections have the largest impact on the score.)
•If you are past due for any reason, Get Current! (The longer you remain current and pay your bill on time, the higher your credit score will be)
•Be careful about closing accounts (this may result in losing valuable credit score points associated with that account)

Amounts Owed(30% of your score)

•Amounts owed on revolving accounts
•Total amount owed on all accounts
•Number of accounts with balances
•Proportion of balance to credit limits on revolving accounts
•Proportion of balance still owing on installment accounts

Amounts Owed Tips

•Keep balances low on credit cards and other revolving accounts. A general rule of thumb is to keep your balances below 30% of the credit limit or high balance.
•Pay off debt instead of moving it around. (One of the most effective ways to improve your credit score is to pay down the balances on your credit cards or other revolving accounts. Owing the same amount but having fewer open accounts may result in a lower credit score. Keep as many of your revolving account below 30% of the credit limits of high balance. It may be beneficial to consolidate debt into one account, if you can get two or more account balances below 30% of the credit limit or high balance that were otherwise above that limit.
•Don’t open new accounts to increase your available credit. (This can backfire and actually lower your score)

Length Of History(15% of your score)

•Age of accounts
•Number of recently opened accounts
•Time since account activity
•Proportion of new credit vs established credit
•Re-establishment of new credit following adverse payment problems

Length Of Credit History Tips

•If you have a relatively new credit history, stay away from opening new accounts too rapidly. New accounts may bring the scores down temporarily, especially if you have a lack of credit or a lack of established credit history. Rapid account buildup can be seen as a risk factor.
•Re-establish yourself after prior payment history problems. Opening new accounts responsibly and paying them off on time will increase your credit score in the long term. This is not a suitable strategy for increasing the scores in the short term.
•Too many consumer finance companies can be seen as an adverse factor (creditors known to lend to consumers with less than perfect credit history).

Types Of Credit Used(10% of your score)
 
The number of various types of accounts (credit cards, retail accounts, installment loans, mortgages, consumer finance accounts, etc.)

Types Of Credit Tips

 Apply for and open accounts only as needed. (Opening new accounts is not a short-term solution.) It is a good rule of thumb to have 3 open and active revolving accounts along with 1 to 2 installment accounts and one mortgage.

New Credit/Inquiries(10% of your score)

•Number of recently opened accounts
•Number of recent inquiries
•Time since inquiry
•Time since account opening
•Your credit score takes into consideration all of these factors. In some situations, one factor can have a larger influence on one person's credit score. This depends on each individual credit situation and credit history.
Credit Inquiries
 A credit inquiry will appear on your credit report when your credit report is pulled for purposes of extending credit or by your current lender for other purposes.

Hard Inquiries
 
These inquiries affect your credit score. When you apply for a mortgage, auto loan, credit card or other type of account, you authorize the lender to obtain a copy of your credit report. These types of credit inquiries, when prompted by your own actions, appear on your credit report and will impact your credit score. Avoid an excessive amount of inquiries. Excessive depends on the depth of the credit profile. More than 5 inquiries may be excessive for people with a lack of credit. If you are shopping for a mortgage or automobile and you know you will incur multiple inquiries, make sure you have your credit pulled within in a short, focused amount of time. Depending on which scoring system you are dealing with, you may have a 15 day, 30 day or 45 day window to shop for and apply for credit for the purpose of obtaining a mortgage of automobile financing, thus incurring inquiries without the inquiries counting against you separately. The scoring system recognizes that you are shopping and will count the multiple inquiries as a singular inquiry, if it falls within the allotted timeframe.

Account Review Inquiries & Consumer Based Inquiries
 
These types of inquiries do not affect your credit score. When you choose to pull your own credit report through an online resource, it is considered a consumer-based inquiry and will not affect your credit score. Also, many of your creditors or collection agencies have the ability to pull your credit report to review your account activity. Credit reports pulled by a prospective employer when applying for employment will not affect your score.

Promotional Inquiries

 In many cases a company will pull your credit report in order to send you pre-approved credit offers or other promotional offerings. These inquiries do not affect your credit score. To prohibit the ability of creditors pulling your credit report for promotional purposes you must OPT Out by calling 888-867-8688.
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