How to Easily Raise Your Scores – Even with Poor Credit

0

excellent evening from professional credit sweeps my name is Kristen and tonight were reviewing how to restore your credit file while you still have negative accounts on there so you dont desire to do this if you still have big negatives such as insolvencies foreclosures repossessions and even unpaid charge-offs you can have you know little collections and late payments however simply stay away from those big accounts get them deleted initially and after that start rebuilding now if youre searching for a specialist to take control of your credit sweep you can arrange your free assessment utilizing the link you see on your screen so lets get right to it what you wish to do is have a bunch of different credit types fine firstly were speaking about authorized users so like I stated you might still have negative accounts on there just not the big ones so what you wish to do is either get added to your moms your husbands your other halfs your pal your co-workers account that has good history and a good limitation and this is going to develop your score and your history now you cant utilize the card it simply posts to your credit your other alternative is to in fact pay a company for a licensed user but the problem with that is that its just on there for like 30 to 90 days and youre going to rush and youre going to get things that youre not going to be authorized for and youre gon na be back at fresh start so attempt to get contributed to somebody that you understand and its going to be on there up until they either eliminate you or you eliminate yourself if you know they inadvertently you know max it out or discuss ten percent whatever it is so you would desire to really see you understand your credit to see the activity on that account another thing that you can do is get added your excuse me is get your rental history and your energies included and you desire to beware with that since theres a lot of deceitful business and scams happening with that so if you have questions you can ask me if youre my client and I will absolutely direct you to the ideal location so now you have a licensed user yeah youre a rental history on there and you have you another thing that you can look for is including protected credit so I know protected credit sucks due to the fact that you have to put your own money down but the point is to develop your credit not to you know be getting airline company miles and maxing this out and all that sort of things since thats what puts you here in the first place so youre going to begin with protected credit theres 2 business that I advise theres Capital One and theres open sky now open sky is simpler to get authorized for however the factor Im advising Capital One is because you can go from a secured to an unsecured and many of the time they will graduate to the unsecured anywhere between six to twelve months I have actually seen it you know within that time frame some people say its 18 but like I stated Ive seen it occur in less than that timeframe so Im now you have your authorized user you have your energies you have your rental and now you have a secured card so what you wish to do is youre only going to invest a bit were talking like twenty to fifty bucks all depending upon your limit due to the fact that remember youre putting your own money down on this and you need to watch an utilization okay so pay it off 2 times per month and youre visiting that your scores are going to increase it may drop initially whichs even if the average length that time that your accounts have been open that percentage sort of sucks today so after about I would state ninety days you can see a boost in your rating and it could be anywhere in between 20 to 100 points it just all depends on what your credit looks like and clearly my credit is different than your credit is various than his credit if in the Harz credit you know her credit so you require to just watch your usage you need to watch Im you know when you pay your balances the closing date all that kind of things alright so you can likewise do brochure cards no I know a lot of individuals dont understand what those are and I can quickly discuss this so there is my jewelry experts Club and they will offer you as much as fifty Im not 50 Im sorry five thousand an unsecured revolving credit now this is just for them so its not even unsecured Im simply reading this directly off their website so what that says is going to publish your credit Im not sure if its all three I know it published two as in bureaus and this is also going to raise your score so I believe that you do have to pay I says ninety nine however the majority of the time its a hundred or 120 or whatever to actually start and after that now youre going to have this report on your credit you want to make sure that you make your payments on time now as far as making your payments among my suggestions set everything up on car pay that way you are never ever going to be late again okay so we were talking about capital one well lets go to capital one calm they have a cool little tool if you go to charge card and then see if youre pre-qualified so on this page youll put in your info and they will match you or not to a card so we were discussing secured so if it matches you to a secured card then like I stated go with Capital One since they can ultimately finish you to an unsecured card and thats where youre not putting your own cash on it yes they might have to in fact close the account and after that you understand to reimburse you your money which can actually harm your credit but now you have unsecured credit okay so now you have all these different kinds of credit on there and now we even have an unsecured card as soon as again ensure to enjoy the usage ensure to pay on time since you dont wish to end up in the same hole that yeah and you understand you started with and Im after about I would say 3 months or two you can obtain another kind of card or you could stay with Capital One and opt for among theirs so what that would be would thats the journey the platinum or the traditional and these are unsecured cards when you have those four not those however one of those for about 3 months now you can go to Coles once you have Coles and remember were only using a little bit and paying 2 times a month when you have coals stick with it for I would state at least 3 months and then now you can get discover so Capital One Kohls whichs due to the fact that capital one owns coals and then find so we have a selection of different credit now and youre paying on time youre watching your scores go up and your credit report is getting longer because obviously you understand youre paying on time these are remaining open you dont need to dispute any of you know the accounts to get them removed due to the fact that youre doing the right thing and youre visiting how simple it is to keep this going and youre going to rebuild your credit value and your duty so something else that you can do is I so we already discussed the various kinds of cards with Capital One the journey the timeless and the platinum another one that they have is the fast silver one for average credit you do not desire to unintentionally look for the one for exceptional credit so you go to credit cards and after that view theres a view top reward cards compare charge card and then theres that tool we were discussing see if your puke walla fide you just click compare charge card and its going to reveal you the various ones that they have so make an application for the fast silver one and this is like I said after having these on there for you know a them a considerable amount of time but enough time so that they have type of seasoned themselves so now you have a couple various unsecured you have a secured or you understand if they had to close it then you do not have it anymore you have your authorized user you have your rental history on there you have your utilities on there and now you have a truly good foundation for you know making the best credit choices in the future now you understand I can make another video and enter into depth about what to do if you didnt have any credit in the first place so were not dealing with unfavorable products Im you understand Ill do that in the future sometime once you have all your negatives off now you can look at other types of credits as installment loans you know possibly you desire a lorry even if its an utilized one possibly you desire to lease something you know maybe you desire to include a furniture line so theres a lot of different you understand business you can go to that work with people that either do not have really high credit rating or you understand they might have a couple of negatives left to eliminate and you can like I said you can find that this will be an easy procedure now one of the important things one of the last things that as soon as I point out is that you wish to seek to see which of the bureaus has the greatest credit report due to the fact that Im lets state its TransUnion so TransUnion has the greatest credit report and youre going to search for the companies that just pull TransUnion so lets state that its Walmart just pulls TransUnion TV bank just print Post TransUnion synchrony bank only Post TransUnion so you can go and request these cards now if its Equifax Experian its going to be different companies that you d like to make an application for but naturally you wishes to do the research study on that now as soon as again if you are looking to get a credit sweep and you know maybe youre stuck maybe youve been doing your own file for a long period of time what I use is generally what no other company uses I give payment security evidence of services suggesting you understand all copies of whatever that I provide for you I start to file the same day you have limitless disagreements indicating that you register with a hunter counsel I challenge a hundred accounts alright so if you wish to get outcomes I can get you the results you can quickly arrange at your totally free assessment with me at specialist credit sweeps com forward slash book online and that is the website that youre seeing the provide me the link that youre seeing right on your screen so you guys have a terrific night from professional credit sweeps and Ill be seeing you in the next video.

Video Transcript:

.

.

Read More: Why Credit Repair Doesnt Work: You Need a Sweep!

License: Creative Commons