Have you ever asked someone "Is there a way to raise my credit score?" If you answered yes, welcome to the club. Numerous people of all ages ask the same question every day, so you're not all alone in hoping to improve your credit rating. Luckily, it is possible to raise your score with just a few simple credit repair secrets and they don't take as long to accomplish as you might think. With just a little effort, you can feel confident the next time you apply for a loan for a new car, new house, or even for a credit card instead of wringing your hands worrying that you're going to get turned down. It's easy to make a positive difference in your credit rating in only 30 -45 days. This article provides some easy ways you can raise your low score fast. Get A Copy Of Your Credit Report The simplest of the credit repair secrets in this article is reviewing a copy of your credit report to ensure any negative entries are correct. Banks and reporting agencies do make mistakes, but even innocent mistakes can cost you big. If you're asking, "How can I raise my credit score?" you first need to take a look at your credit report in an effort to find mistakes. For example, if you made one late payment three months ago, but your report shows you've made late payments every month for the last three months, that's incorrect and you should file a dispute to have the entry removed. Don't be intimidated at the thought of filing a dispute. It's a simple process done by more than 50,000 Americans per month. Have Negative Inquiries Removed Whenever you apply for a loan, credit card, or other form of borrowing, the company taking your application makes an inquiry to the credit reporting agencies to check out your credit score. While there are different types of inquiries, the kind you want to worry about are hard inquiries because they are the ones that show you were denied, which can cause further problems. If you're still saying, "I need to raise my credit score," file a dispute to have hard inquiries removed. Having them removed as soon as they are placed is the fastest way to remove hard inquiries, which means you need to keep up on your credit report activity closely. This is another one of the credit repair secrets you can easily do yourself. Removing Negative Entries Getting negative entries removed from a credit report is one of the credit repair secrets that intimidates people the most. In fact, most people who say, "I desperately need to raise my credit score," choose to consult a credit repair expert when it comes to negotiations. You can negotiate a payoff with your creditors if you carry a high balance yourself, sometimes for just pennies on each dollar you owe. While you're negotiating a payoff amount, make sure you make removing any negative entries a part of the payoff deal. Because some of your credit score comes down to making your payments on time, having negative entries for any late payments or payments never made removed can increase your score.Negative information can be removed legally using the Fair Credit Reporting Act (FCRA).If the item is deemed Inaccurate,Obsolete or Non-verifiable than by law it CAN be removed.Anything over 7 years from the Date of Last Activity(DLA) by law should not appear on your report.Watch out for Collection Agencies who mess with the DLA to start the clock all over again.....this is known as Zombie debt. These simple credit repair secrets can raise your score dramatically in a short amount of time so the next time you apply for a loan or credit you say, "Sure, go ahead and check my credit," instead of saying, "Thanks, anyway. I know I need to raise my credit score.
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