Unveiling Credit Repair Mysteries by ronksmith


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									Unveiling Credit Repair Mysteries

Written by ZInu Credit Repair

109 E 17th St ,Suite 63
Cheyenne ,WY 82001

Web URL: http://www.zinucreditrepair.com

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It is quite surprising to know that one is going on paying their credit card bill right from the first month
but ends up having crummy credit scores. Your credit score is not a report card of your payment habit.

Credit score is a complex algorithm, designed to predict chance that one will default on a general loan.
There are numbers of factors that are involved, some of which may seem to have no bearing on
individual’s willingness or ability to repay.

One can control their credit scores

It is obvious to maintain a good credit score in order to achieve an optimal balance. That includes many
dynamics and the type of debt one uses, number of account they are having, utilization of credit lines
and age of accounts. Based on FICO scoring model, which is a black box, the exact formula is not yet
public but the mechanics are not yet obscure. Credit repair is a science and one can control it.

Credit bureaus also make mistakes

What is a good credit score? Credit score is the financial condition that one is holding and from that, it is
known whether an individual is stable or not. Credit bureaus come to action in this aspect and manage
an unusual complex network of participants, all of which join to have a credit reporting system.

Creditors, collectors, and credit repair company helps to collect data. Massive software programs are
there that help to sort out the problems and guide the technology.

Time is not able to fix up credits

Errors will be there and will not get fixed by themselves, nor will time repair them. Credit repair is a
critical process and errors in credit go on increasing day by day and become unmanageable. One cannot
imagine a credit report left alone will allow shedding errors. Seven years will automatically leave the
credit in a crumpled stage.

Repairing allows only the half work to be done

It is quite natural that an individual will like to see that the errors were erased from their credit book.
However, removing error is not the objective of credit repair. The goal to have this kind of credit will fix
a smile on the lender. This allows clean up of reports. The individual has to make sure that they are
having quality and quantity accounts to get instant results.

Balloon of credit repair

Credit repair report is generally calculated based on both negative and positive information. Credit
scores are just like hot air balloons. Negative accounts are just like sandbags that propel the hot balloon
to rise. One may cut off sandbags but without sufficient air one will go nowhere.

These aspects are some of the mysteries that show what is hidden inside credit card and to add these
are some secrets to reduce Credit Card Debt.


Credit repair indeed is not a clear cut way. It has many facets many of which are not disclosed. In this
article, you will get to know some of those mysteries about credit card to improve your knowledge.

Author’s Bio: Ron Smith is a senior Financial Advisor of Zinu Credit Repair. He is specialist in credit
repair; instant approve credit score, improving credit score. After he took over Zinu becomes the best
Credit repair company in USA & Canada.

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