2006-12-27 12:51:40 · 7 answers · asked by Chad B 1 in Business & Finance ➔ Credit
Its right here on the internet. Search for these sites and learn everything you can from them so you can formulate your own strategies. There are useful sites that provide all sorts of information and its all free.
2006-12-27 12:55:35 · answer #1 · answered by SEO 3 · 0⤊ 0⤋
Here is a little secret that I learned a long time ago. Your bank will help you. Some may charge a fee for running a credit history some may not. Mine doesn't and I do it once a year, you never know if something is there or not that your not aware of. If you apply for a credit card apply for only one. Wonder why? If you apply for say 4 about the same time, all of them will show up on your credit history. Creditors say it looks bad. If you get a letter saying your credit isn't good enough they will add an address or telephone number of who to contact to find out what is on your history. From there you can contact the person you owe money to and work out a way to clear it up.
2006-12-27 13:04:10 · answer #2 · answered by misstigeress 4 · 1⤊ 0⤋
There are no quick fixes. You can improve your credit immediately by doing these things below.
1. Do not use "credit repair" companies.
2. Read up on the Fair Credit Reporting Act (http://www.ftc.gov/os/statutes/fcrajump.htm)
3. Check out Stephen Snyder's website/books "Life After Bankruptcy". You can learn a lot about your FICO score from him.
4. Go to http://www.myfico.com/ and check out the resources there.
Good luck!
2006-12-27 14:49:18 · answer #3 · answered by James 2 · 0⤊ 0⤋
Everything I can get my hands on (sort of). I read everything I can online. I talk to my financial friends (one is a mortgage expert). I talk to bankers. I've talked to a credit counseling agency. I've read articles. I've done all sorts of research, and I continue to read about it. I also try to learn by example.
I've seen some consistent points made in all of these sources, and I'm glad I've done a ton of research because I think I'm finally finding good advice.
2006-12-27 13:02:19 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Many credit card companies and financial institutions either have their own information or can point you to websites and information specialists concerning the proper use of credit and ways to improve your credit and scores.
Ask your local bank, too.
2006-12-27 13:45:17 · answer #5 · answered by Ambassador Z 4 · 0⤊ 0⤋
Start by reviewing the FDCPA laws to know your rights and to get helpful tips on cleaning your credit.
2006-12-27 12:53:50 · answer #6 · answered by Mindy 1 · 0⤊ 0⤋
Here's a link I found helpful. It also has sample letters to send to creditors.
2006-12-27 12:55:36 · answer #7 · answered by Mariposa 7 · 0⤊ 0⤋