Raising FICO Score Numbers
The 12 Simple Tips You Can Start Using Today!

Start raising fico score numbers today! Because when you apply for credit,your credit score helps lenders decide how likely it is that they will get paid back and on time.

The most widely used credit bureau scores were developed by Fair, Isaac and Co., and their rating are widely known as FICO scores. By raising your fico score numbers by just a few points, you will be able to qualify for better interest rates on loans when you apply.

Important: Even a modest improvement in your credit file and credit score which can sometimes result from simple corrections to incomplete or erroneous information in your credit report may be enough to qualify you for a lower interest rate on a mortgage or credit card and save you hundreds of dollars each year in interest payments just by raising your fico score.

Your credit history can affect your daily life from where you live and work to how much you pay for a mortgage, car or insurance.

Raising Fico Score Made Easy!

Take a second and think back to your school days, when grades, report cards, test scores and teacher recommendations had a lot to do with getting good grades. Now fast-forward to your life today.

You may not think much about raising fico scores, but you're still being evaluated and graded in the subject of personal finance and once again the results can be critical to your future.

We're referring to credit reports, which summarize your history of paying debts and other bills, and credit scores, which predict risk. Both help banks, insurers, landlords and even potential employers make judgments about your reliability.

12 Raising Fico Score Tips!

1. Paying your bills on time increases your credit score. The longer you pay your bills on time, the better your credit score will be.
2. Delinquent payments and collections have will have a major negative impact on your fico score.
3. Paying off collection accounts will not remove it from your credit report. Because collection records can stay on your credit report for up to seven years.
4. Learn your rights under the Fair Credit Reporting Act.
5. Call or write the credit bureau companies to resolve a reporting dispute.
6. Paying off debt rather than moving it around is your best option.
7. Try to keep balances at or below 20% on credit cards and other revolving credit.
8. High outstanding debt or maxed out credit cards can affect your fico score.
9. Do not open or apply for a lot of new accounts too rapidly, because credit inquiries can lower your credit score.
10. It is OK to check your credit report as long as you order your it directly from the credit bureaus.
11. A closed account will show up on your credit report for 7 years.
12. Re-establish your credit history if you have had problems in the past it is never to late to start raising your fico score .

Whether you're an A-plus or a D-minus in handling finances, you want to have the best and most accurate report and credit score possible, because even small differences can cost you or save you a bundle of money.

Unfortunately, many consumers don't understand the significance of their credit history or the simple things they can do to build and protect a solid financial reputation.

A new law takes effect which makes it easier to obtain and correct your credit reports!

In an important development, Congress in November 2003 passed a new law that can help you ensure the accuracy of your credit information and monitor your credit files for signs that you may be a victim of identity theft.

The law will enable you to obtain a free copy of your credit report once a year from each of the three major credit bureaus; this provision will take effect over a period of nine months.

Beginning December 1, 2004, in western states and moving east with completion scheduled for September 1, 2005. Nationwide as of December 1, 2004, you'll have the right to learn your credit scores.

Which are designed to help predict how likely you are to repay a loan or make payments on time. As of that same date, merchants also must notify you if they plan to report negative information about you to a credit bureau.

The Federal Trade Commission (www.ftc.gov) and the Federal Reserve Board (www.federalreserve.gov) have issued rules to put the new law into effect.

Raising fico score numbers, Now! The more you know about your credit report and your credit score, the better your chances are of making the smart decisions that will help you protect your finances and your financial reputation.

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