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Learn How to Fix Credit Fast!

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					                         Learn How to Fix Credit Fast!

                         Learn How to Fix Credit Fast!
If you want to learn how to fix credit fast, then you will want to read this article.
Specifically, we will be discussing the first thing you need to do and what options you
have to raise your score. When you are finished reading this article, you should be
prepared to begin credit restoration.
Review Your Report
The first thing in any credit repair plan is to carefully review your file. You can get a
copy of each of your three credit reports once a year at annualcreditreport.com. If you
have already received your free report this year, or you want to get a copy of your credit
score, you will need to pay a small fee for your report. There are companies that will
give you your score for free up front, but this involves a trial membership in a
monitoring service. These services can be a good idea if you are attempting credit repair,
but just make sure you understand the associated costs.
Decide Which Strategies Will Work Best for You
Once you have your report, you will want to review your file carefully. It is a good idea
to make an extra copy so that you can highlight all of the items that you feel need
attention. Make special note of anything that is incorrect or questionable. Once you have
reviewed your report it is time to develop a plan!
• Pay Off Revolving Debt
One of the quickest and easiest ways to improve your credit score is to pay off your
revolving debt. Your credit utilization makes up 30% of your credit score. By getting
each of your account balances at down below 25% of your available credit, you can raise
your credit score by up to 50 points.
• Dispute Derogatory Credit and Errors
The Fair Credit Reporting Act gives you the right to dispute anything in your credit that
you believe is inaccurate. If a creditor fails to verify an account within 30 days, the
credit bureaus must remove the account from your credit file.
• Get a Relative to Add You as an Authorized User
Many people think that due to FICO 08 that becoming an authorized user can no longer
help your credit score. This is actually not true. While FICO 08 does restrict who can
add someone as an authorized user, it does not prevent a parent or spouse from helping
your credit by adding you as an authorized user.



                         Learn How to Fix Credit Fast!
                             Learn How to Fix Credit Fast!
Vincent Polisi is the founder of Finance the Dream and Credit Repair College. To learn how to fix
credit fast please visit him on the web.

                      Find out your credit score today.
                                Click Here.




                             Learn How to Fix Credit Fast!

				
DOCUMENT INFO
Description: If you want to learn how to fix credit fast, then you will want to read this article. Specifically, we will be discussing the first thing you need to do and what options you have to raise your score. When you are finished reading this article, you should be prepared to begin credit restoration.