Credit-Repair-Guy answers:

Paying off the credit card at any time from when you use it to when the bill is due is good. Paying before you receive the bill is not bad, but is not better than paying after, as long as you pay before the bill is due. (Waiting until after the bill is due would be bad.)

Your “real” credit score is not available for free. You may pay for it, but I do not recommend it. The website http://www.creditkarma.com offers free scores, but they generate these scores themselves using a different formula than the rest of the world uses.

There is no way to improve a credit score “fast”. Credit scores can fall fast, but they rise slowly.

Credit-Repair-Guy answers:

First, you can’t increase your score quickly. It takes time, since one of the main factors is your credit history – the longer your on-time history, the higher your score, and you can’t speed up time. As for raising your score, first, make sure your loans are being reported to the credit bureaus. If not, you can pay a small fee to have them manually updated – however, this is a one shot deal, the credit bureau will only verify and get the payment history the one time, unless you pay again for the account to be updated.

Also, pull all three of your credit reports (http://www.annualcreditreport.com) and make sure they are accurate and truthful. Anything inaccurate should be disputed.

Finally, try to get a card at a local/regional department store – they tend to be easier to get. However, do not try a whole bunch all at once. If you can get a card, use it every couple of months for small items you would normally buy for cash (and remember to pay off the balance when you get the bill). The payment history will help the score (assuming you pay on time).

Credit-Repair-Guy answers:

Well one way is cleaning up your credit taking negative items of your credit report,bradley ross law will delete any item even bankruptcy,paying your bills,not closing any old c,c,

opening a bank acct that is secured means you put in some money say about $300 an taking a loan on it using your savings passbook as collateral which makes it look like you just got a loan an the banks report it to the credit bureas,another way is to add yourself to someone who has great credit it’s called piggybacking,

an last but not least if you have rent,lights,cell,phone bill,mortgage,car note,anything that you pay monthly they will gave you a high credit score it’s called
www.prbc.com

Elia Santiago
www.indymortgagesaver.com

Credit-Repair-Guy answers:

Hi, I would say there are a lot of things you can do. You are on the right track to paying off your debt but whatever you do, DON’T cancel your cards–part of your credit score looks at you credit limit to debt ratio.

Also one of the things you can do right now to raise your score up to 50 points is fill out the ‘opt out’ form. The opt out form found at this link: https://www.optoutprescreen.com/?rf=t will make sure that creditors can’t pull your credit and send you offers at random without your permission. The credit beauros look at this as responsible.

I think your credit score will start to go up immediately, but don’t pull your credit score again until absolutely necessary because everytime someone pulls your credit score it adds negative points to your credit report and your score will go down. I think these points stay on your credit report for 12 months. If you’ve had a lot of hits to check your credit score in the last year, wait a while and your credit score will go up automatically.

Credit-Repair-Guy answers:

Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – creditreport.undonet.com