credit score

Credit Score - How I Raised My Credit Score 90 Points in 90 Days (Feel Free to Copy My Exact Methods)

Who else needs to improve their credit score? Are you sick and tired of being rejected for credit on account of a FICO score that would make ANY banker balk? If you are anything like I used to be, the thought of sharing your credit report with strangers when applying for loans, credit or even an apartment to rent is enough to give you an anxiety attack for sure.

The truth? My credit was SO bad…..I literally avoided just about any scenario that would require me to having to reveal it, meaning I lost out on so many opportunities in life that it was truly sickening.

For example….I wouldn’t apply for a job when I knew my score would be pulled. I was afraid to go apartment hunting with my girlfriend…because I didn’t want her to think I was a “loser”. I simply curled up in a corner and thought I could “wait it out” and re-emerge BACK into society when my 7 years of credit purgatory and punishment were done.

Suffice it to say…..at some point, I was forced into getting my act together, simply because the people in my life at the time pushed me hard enough to get over it. I spent a lot of time, effort, energy and income on learning everything I could about credit scoring and credit repair…and endeavored to turn my situation around, and make it happen in a hurry.

Here is how I raised my score from the mid 550′s……to OVER a 640 in 90 days (and eventually got it well into the mid 700′s in less than 6 months!)

Step #1: I ordered my credit reports AND my scores. (you can do this all online)

Step #2: I made a list of ALL the derogatory items on my report…and listed them from MOST severe to LEAST severe. The most severe are public records like bankruptcy, liens and judgements, to charge off’s, and so forth. 30 day late’s and inquiries are at the bottom of the rung when it comes to “negatives”…..and therefore were listed as such)

Step #3: I compared the items on my report…with the actual hard copy records I had maintained of the very same accounts. Very often (in over 80% of the cases) the information I had was DIFFERENT than that which was being reported by the bureaus. When I was certain MY record was right (almost every time) I marked these items for dispute.

Step #4: I filed disputes on all of the erroneous information identified in step #3..:-) I broke it down a bit in a specific sequence that would be hard to explain here (I didn’t file everything at once) and waited for the results. Note: I used my OWN letters (never use the credit bureaus letter template) and hired NO expensive attorneys or credit repair clinics.

Step #5:Whatever came OFF my report per the disputes above… I celebrated with a little victory dance Whatever did NOT come off… I remitted a follow up dispute… using MORE aggressive language, and where appropriate, little bits of “proof” from the examples in my own records.

The bottom line is…

Within 90 days, enough bad items had been removed to increase my score a whopping 90 points. After 6 months of follow up? About 180 points or so of improvement…which as many of you know, is quite extraordinary and gave me EXCELLENT credit to boot! (for the first time in my adult life!) I used a credit monitoring service to keep “tabs” on my score going forward as well… just in case ANY negative items recurred, I’d be notified about them right away. (as time is obviously of the essence!)

You can do ALL of this for yourself…..and without having to buy any expensive information or hiring any expensive legal support. The ONLY thing you need is a copy of your credit report…and a genuine desire to have excellent credit! (even if you’ve got a humiliating score right now)

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That’s all the news for today guys, so until next time, thanks for stopping by.