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10 Ways To Boost Your Credit Score

1. Deleting Errors in 48 Hours

This is the absolute fastest way to correct errors on your credit describe and raise your credit score. However, it can only be done through a mortgage company or a bank. If you apply for a home lend and find errors on your credit report, request the loan officer to conduct a Rapid Rescore. But don’t mistake it for the credit clinic tactic of multiple dispute letters.

The Rapid Rescore strategy requires proper paperwork. You need proof that the item is incorrect. It must come from the creditor directly. For example, a letter stating the account is not your account, a letter stating the been was paid satisfactorily, a release of lien, a satisfaction of judgment, a bankruptcy discharge, a letter for deletion of collection account or any relevant evidence.

This is the same documentation a bank or mortgage company would require for the credit accounts anyways. The difference is, now you can improve your credit score and receive a lower interest rate. The results are not guaranteed and will run you about $ 50 per account.

2. Deleting Negative Credit

This is the infamous area where you’ve heard of all the scams. Credit repair clinics charge “an arm and a leg” and promise a clean credit report. Sometimes even a new attributing profile! People spending hundreds, or even thousands, of dollars for something they tinning do themselves.

Removing errors is simple. Deleting negative credit that is accurate requires advanced methods. But that is not the scope of this report. So I’ll riveting on the deleting the negative errors.

Credit describe errors easily disappear by using a simple dispute letter. If you have the paperwork proving the error as mentioned above in Rapid Rescore, send copies of that along with the dispute earn. This will make the credit bureau’s job easier and you will get faster results.

If you don’t have the documentation to prove the error(s), send the dispute letter anyway. According to federal law, the credit bureau’s have a “reasonable time” to validate your claim. They will contact the creditor for verification of your dispute. Then the account will be reported accurately – or deleted. It has been generally accepted the “reasonable time” to complete this task is 30 days.

If you’re not the do-it-yourself kind of person. Or don’t have the time. You could hire someone who is very economical.

3. PiggyBack Someone’s Credit

This is a fast and great little credit score booster. But it requires a very trusting relationship. Simply put, someone else adds you to their credit account. For example, when applying for a credit card, you may have seen the section to add a card holder. If your trusting person adds you, their payment history is now reported on your credit report too. If they have perfect credit, now you have a perfect account.

To make this more effective, use an aged account. Imagine if your trusted person has a 10 year old credit card account with a perfect payment history and a balance of only 50% of the credit limit. Wouldn’t you love to have this on your credit report? Once done, do check your free credit report gov annually and more. Look for the changes. The easy part is your trusted person just calls the credit card company and requests a form to add a cardholder. Once completed and activated, their entire account history and future is now firmly planted on your account. Imagine if you secured 3-5 of these accounts – especially installment accounts. Your credit score could sky-rocket!

The challenging part? Finding the trusted person. Since you already have a low credit score and bad credit, how eager will someone be to make you a cardholder? Even your parents don’t want you to damage their credit. But, no one says you need to possess the card! In other words, your trusted person could add you as a card holder and never give you the card or PIN or any information. Since the bills and all account information is still mailed to the trusted person’s address, you won’t know anything about the account. This scenario could land you many trusted persons. And you still benefit with a higher credit score.

4. Playing Round Robin

This strategy is one of the oldest credit building techniques around. It used to be accomplished with secured savings accounts. But now, it’s much easier with secured credit cards. In fact, I’ve used this method myself.

Here’s how it works: Take ,000 (or what you can afford) and get a secured credit card. Once received, get a cash advance of 70% of your credit limit. Get a second secured credit card. Once received, get a cash advance of 70% of your credit limit. Get a third secured credit card. Once received, get a cash advance of 70% of your credit limit.

Open a new checking account with the final cash advance. Use this account only for making payments on your three new credit cards. If you make your payments on time every month, your credit score will increase because you now have three new perfect payment credit cards. (Initially, your credit score might drop a few points due to the rapid, multiple accounts being opened. However, be patient because within 4 months of no new accounts or any delinquencies of any account, you will see your credit score increase. Mine increased 60 points in 60 days!!)

5. Pay on Time

This one is quite obvious. But after 12.5 years in the mortgage business, I discovered it still needs repeating. Your creditors were gracious enough to loan you money. Now pay your damn bills! If you don’t, your credit score decreases. EVEN IF ONLY 30 DAYS LATE!

That’s right folks. For some reason people think, “I’m only a few weeks late. What’s the big deal?” Well, for the loan company, if you pay late but consistent, they make a lot more money with late fees and more interest (if a simple interest loan). For you, your credit score is damaged. If you think long-term and credit score, I’m certain you would not have a cavalier attitude.

6. Pay Down Debts

This seems like an obvious method, doesn’t it? But it is not as transparent as you might think. Remember, we’re playing with high-level statistics and probabilities which evaluates and forecasts trends in your behavior. Here’s what you do…

Never pay off your revolving debt in it’s entirety! Isn’t that a surprise? Think about it. Your credit score is a reflection of your ability to manage your credit. Paying off your debt is not managing your debt. If you have a zero balance, how can you manage it? You don’t. It no longer exists. And you cannot manage what does not exist, right? Therefore, in terms of credit score, you have demonstrated your ability to swiftly pay off accounts to avoid managing them. Thus, slightly decreasing your credit score.

One exception, of course, is if you’re over extended to begin with. Pay off what’s necessary to make your credit profile look great. Then manage the remaining credit.

7. Don’t Close Accounts

Even if you pay off revolving debts, do not close the account. The longer an account is open with no negative reports, the better it reflects in your overall credit score. This is due to the weighted-average in the credit score formula. Many credit experts suggest a balance of 30% of your credit limit. That’s ideal. But you can go as high as 70% and still maintain a healthy credit score.

8. No New Credit

You must be vigilant in your credit behavior if you want the best credit score. Therefore, do not get any new credit unless it is absolutely necessary. Each time you apply for credit, an inquiry is added to your report. This usually drops your credit score slightly. When you have fresh credit, there is no track record how you will manage (or pay) this account. Therefore, it’s a higher risk which results in a minor drop in your credit score. Remember, your credit score is about risk assessment.

Here’s what you do: obtain credit for your housing, transportation, college or continued education and 3-5 credit cards. That’s really all you need for personal credit. If you want more credit, request a credit limit increase on your current cards rather than apply for new ones.

9. Maintain A Mix of Credit Types

If you show you can handle different types of credit at the same time, you are rewarded with a great credit score. In other words, get installment loans like vehicle, personal loan or mortgage. Get revolving credit like credit cards: Visa, Mastercard, Sears, Sunoco Gas, Costco. By mixing it up, you demonstrate you can manage your credit because you will have short term and long term credit with a fixed payment. As well as a “variable” monthly payment on your credit cards.

Keep these accounts open with a balance of 70% or less and paid on time and you will witness your credit score climb to great heights.

10. Don’t File Bankruptcy or Foreclosure

Here’s the most obvious advice: Don’t file for bankruptcy or foreclosure. These stay on your credit report for 10 years and always decrease your credit score. The older the bankruptcy or foreclosure account becomes, coupled with re-built credit history, the less of an impact they play on your credit score.

Contrary to popular beliefs, you can legally delete a bankruptcy and foreclosure. It’s not easy.

Workplace privacy has grown into a major controversial issue in recent times because nearly all states today legally sanction employee monitoring. Sophisticated technological innovations have led employees to come under surveillance both at the workplace and even outside the premises. Such workplace monitoring is seen to be crucial in maintaining daily business operations to avoid low work ethics. Losses due to employee theft and lawsuits are costing companies heavily. To curtail this, employee monitoring is being encouraged. This move is advantageous for employers and employees alike.


In larger businesses, there may be a special department assigned with the task of employee monitoring, but for smaller corporations, this may not be cost friendly. These small firms then use software programs to monitor employee performance. Today, employees can be monitored through various electronic monitoring means, something that employees have come to loathe. Most employees do not wish their every move to be watched and analyzed by their employers. Lack of laws for employee protection and technological abuse by employers have led to a widespread concern for employee privacy at the workplace.


Computer monitoring software can come in different types and enables the employer to check how accurate an employee’s performance and keystroke speed are, especially for those involved in data entry work. A video display terminal can be used to show the number of errors an employee is making every hour, the typing accuracy, the number of jobs being done, and the rate at which employee transactions are being made. This naturally helps management to maintain employee performance records that are used in appraisals later. Computer monitoring also discloses the time an employee has spent away from his or her computer. Besides, the employer gets a peek into what is stored in the employee PC terminals and hard drives. This lets them maintain close tabs on workers, and employees in turn can also benefit from access to this data to upgrade their own performance.

Things To Remember When Selecting Your Computer Monitoring Software

Go through reviews of employee monitoring software to come to a decision. Experiences of smaller entrepreneurs can be useful in making your own decision.Find out how the software can be useful to your business operations.Find out how easy it is to install the software and maintain it.Examine whether it is possible to install the software on a server or if it must be installed separately at all workstations.Determine whether the installation can be kept discreet.Ask if support can be easily obtained in case a need arises.


Installing such employee monitoring software at the workplace is easy because all you have to do is inform your workers that their workstations are being monitored. This move is justified because employers have a right to know how company resources are being used in order to minimize losses. But, employees practicing this must have clear rules as to what they will be monitoring. Today, there are plenty of software monitoring programs that can be downloaded according to your needs and preferences. The key to success in any office is learning how to monitor employees and keep abreast of everything that is going on in the workplace. Advantages of such programs are more than obvious, and the greatest benefit is that they are easy to install and can be kept secret. These programs maintain a log of all the keystrokes being typed in a PC, chats, e-mails, and instant messages, which can be reviewed from the employer’s PC via a server.

Discussions on the drop shipping forum and reading reviews can help you know more about the good, the bad, and the ugly in drop shipping. Click on the link and let the mystery unfold about drop shipper and dropshipping. also provides other affiliate programs to our publishers besides credit cards. Credit report monitoring and ID theft services are one of…
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5 Reasons To Use A Credit Monitoring Service

With cases of identity theft growing each day, and with millions of dollars being stolen from other people’s accounts each year, there is no doubt you should protect your accounts and private information from
the hands of identity thieves.

And if you are raising your credit score, you should protect your efforts in improving your credit rating by guarding your accounts to make sure they will not be cleared up and you won’t be left in debts.

You can monitor your accounts your own, but you can also choose to use a credit monitoring service to do all the monitoring for you.

Credit monitoring services are designed to monitor your credit file, bank account information, personal profile, and all other sensitive financial information. When you have an account from a credit monitoring service, you can see if there are any unauthorized or suspicious changes to any of your accounts or personal data, so you can do steps to make sure none of your accounts will be stolen. For example, you may report any suspicious activity to your credit card company or bank, or close your accounts.

As antecedently mentioned, the things that a credit monitoring service does can be done by you, but there are 4 reasons why you should use it rather than doing the monitoring your own.

1. A credit monitoring service gives early detection to any suspicious or unauthorized activity in your accounts. Typically an ID theft victim recognizes suspicious changes in his accounts in 6 months, too late
for any preventive steps to be taken. While you cannot stop id thieves from stealing your financial and personal data, at least a credit monitoring service detects early if there are any suspicious or
unauthorized changes committed in your accounts, and these changes will be reported back to you. From there you can prevent worse case scenarios from happening by closing your accounts or reporting it to concerned companies.

2. When you detect any malicious activity in your account, you can prevent further damage from happening in your account by reporting it to FTC or to your bank, by closing your account, or by requesting your funds to be frozen. This way not only are you protecting your accounts and your name, but you are ensuring that your credit score will not suffer from dings because of too much debts that could have otherwise been incurred by id thieves.

3. Depending on the plan you subscribe to, a credit monitoring service monitors your credit files and other personal and financial data ’round the clock even while you are asleep or doing other things.

4. In this note, a credit monitoring service is more convenient than doing it your own, because there are many more things you are most probably concerned with other than your credit score and your accounts.
So, even if you forget to monitor your financial information, or while doing other things like your office work, a credit monitoring service will do the monitoring for you.

5. A credit monitoring service helps protect your accounts and your name from further effects of identity theft. As soon as you detect malicious activities in your account, you can contact the fraud department of
either of the 3 major credit bureaus to report your case of id theft. Other things you can do are, as previously mentioned, closing your accounts, freezing your funds, or reporting it to your bank or other
authorities. That way you are letting the authorities know you are not really the one behind any fraudulent acts that will be committed under your name, and you are preventing the possibility of filing for
bankruptcy or facing too much debts.

Would you like to know all about credit scores and credit reports, and how to best raise your credit score legally? Then download “Credit Score 101: The Definitive Guide To Raising Your Credit Score ? Dramatically!” at [] at no cost. Sign up and automatically receive the latest version of this ebook at no cost as soon as it comes out.

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Credit Monitoring – How does it protect you from identity theft and what service does it really offer?

We have been asked over the past 5 years if Credit Monitoring is worth having and if we can provide this service.

Credit Monitoring is a huge business and with scores being so important it will continue to grow. How many times have you seen promotional offers for the opportunity to get free monitoring of your credit profile? It is so confusing for most to even understand their credit reports let alone what the monitoring services provide and how they can help. The information given by these services is difficult to decipher and can sometimes do more to confuse and scare consumers than help them.

I have been analyzing these services and learning about them for many years now. The one question I have is how can finding out you are a victim of identity theft or credit card fraud protect you? Once you know you are a victim it is already too late. When you begin to see signs of identity theft on your credit report the damage has already been done. Logically anticipating Credit Monitoring to protect you from identity theft would be like studying for an exam after you fail. Identity theft is a process and the last result of it is seeing accounts on your credit report that do not belong to you. These accounts are ordinarily in default with late payments or have gone to the point of collection or charge off.

Collections – are accounts that have not been paid at all and have been sent by the original creditor to a third party collection agency or the collection department of the creditor. Collection agencies may be lent the debt for a commission and if they are successful in hoarding funds from the debtor they earn that commission. Other collection agencies buy the debt from the creditor for a reduced amount and they become full owner of whatever is collected. Once you understand this you can also see why they are so aggressive about getting consumers to make payments.

Charge offs- are when creditors write the amount the consumer owes, that has been uncollectable, off as a loss against their profits. This does not mean the consumer no longer owes the money.

So how can credit monitoring stop identity theft? The answer is it can’t. The only thing credit monitoring can do in regards to identity theft is to tell you that it is occurring. Another problem is many consumers buy credit monitoring because they are too busy to learn about their credit or just don’t want the responsibility of understanding it. They think that paying a company to monitor their credit will insure them against any problems. In many cases when the monitoring company alerts them to a new collection or charge off if they don’t recognize the account they just shrug it off as an error and don’t investigate the occurrence until they have a problem getting financing. The lesson is even when having credit monitoring you need to understand, at least, the basics of credit to recognize what is a cause for concern.

We are consistently approached by consumers with this question “I had an alert from my monitoring company. What does this mean?”. Credit monitoring companies provide basic updates to you about changes in your credit. Depending on the company hired and the specific program they offer will determine how you are updated and what information they will give you. Some companies only provide you with info about 1 credit reporting agency. Since there are 3 credit reporting agencies Trans Union, Experian, and Equifax this is just a piece of the information needed to really monitor your credit profile. One of the risks you take when hiring a monitoring service, that provides you with only one report update, is not being able to see if a collection is reported on all bureaus. Many smaller creditor’s like Verizon,Doctors,Dentists, and Health Clubs don’t want to pay the credit reporting agencies to provide each credit profile with this collection info since they will have to pay 3 times for this service. The result is they typically pay one reporting agency instead of all three and only put the collection on that one credit report. If you have picked the report that isn’t updated you will not be aware of this problem until all three reports are pulled. In this case the whole point of monitoring your credit will be lost.

When a monitoring service only alerts you that a change has occurred and does not tell you what the details of the change are we find consumers in a panic. They now know there is a change but don’t have any idea what changed. You can be updated of an alert when a 3rd party pulls your credit profile if you are shopping for a car, home, or business loan. You may be updated with an alert when you open or close an account or have a new late payment. Alerts come when balances change as well. If you don’t have details on what the alert is you will be in a continual state of panic. Credit is not stagnant and with so many changes happening daily these alerts could come all the time, daily, weekly, or monthly depending on how active your credit profile is. You can see there is much homework to do when deciding on a monitoring service. If you are highly educated about your credit and monitoring services it could be helpful for keeping you aware of the general picture of your credit portfolio. If you are uneducated or don’t have the time to keep track of your current credit situation it could be a source of continual anxiety and frustration.

Education is the key to staying updated on your credit and its significance to your financial life. There are other ways to protect yourself against identity theft and credit card fraud and we will address them in this 2 part series.

Tracy has been a successful business owner for over 25 years. Beginning her career as a Financial and Insurance advisor, she quickly became one of the leading Estate Planners in her organization. Winner of the Bronze Award for being among the top ten in her agency, she was also listed in Time magazine as a Top Ten advisor for Northwestern Mutual.

Tracy founded North Shore Advisory, Inc. because she saw firsthand how much misinformation there was in the field of Credit. Her expertise, educational seminars, and individual consulting services have helped thousands of people conquer credit problems, achieve great financial goals, and achieve the success they deserve. She works with Bankers and Brokers across the country, showing them how their clients can position themselves for the mortgage process to own the home or business of their dreams.

Tracy Becker has appeared on nationally broadcast television and radio programs, delivering her down-to-earth message to consumers across the country. She is a popular writer of educational articles for realtors and bankers and has co-authored the: “The Credit Solutions Resource Kit.”

Her seminar series is popular because of her ability to explain the complexities of modern credit reporting in a straightforward and engaging style. Tracy presents 50 to 60 seminars per year all across the country.

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