here 4 free E-books on how to repair and increase your credit score

[shahab6]

ehere are some 4 free E-books on how to repair and increase your credit score http://www.bestcreditrates.net/creditrepair.html

[bellybuttonlint]

1. get your credt report from all 3 agencies for free ( 1 free report for free )
https://www.annualcreditreport.com/cra/order
2. any debt over years, dispute it directly on the 3 reports that you get
3. any debt over 2 years, dispute it, ask them to PROVE THAT YOU DO INFACT OWE THEM. it will be very hard for them to produce the original paper work...example:
2 years ago, you applied for a mastercard because you saw that shiney little booklet.So you filled it out and mailed it in. you got your credit card, activated t from a phone not registered in your name,went on a shopping spree, and said " hey fuck you im not paying it back!"...when you dispute that debt, they have to prove you owe it, and you can continue to dispute it. them saying you owe the debt isnt a valid argument.
4. if your score is a little low, get your famly member or a close friend (who has excellant credit ) to add you to their oldest card. have them call that card company and say" hey, i want another card for my little sister...and include her social security number with it!"

after that card arrives, cut it in half!
45 days later, your friends / family members score becomes your own!
ts called a TRADE LINE, AND YES IT WORKS.

Ive done this exactly 231 times for family and friends of family over the past 2 years...and worked like a dream.

[shahab6]

Originally Posted by bellybuttonlint

1. get your credt report from all 3 agencies for free ( 1 free report for free )
https://www.annualcreditreport.com/cra/order
2. any debt over years, dispute it directly on the 3 reports that you get
3. any debt over 2 years, dispute it, ask them to PROVE THAT YOU DO INFACT OWE THEM. it will be very hard for them to produce the original paper work...example:
2 years ago, you applied for a mastercard because you saw that shiney little booklet.So you filled it out and mailed it in. you got your credit card, activated t from a phone not registered in your name,went on a shopping spree, and said " hey fuck you im not paying it back!"...when you dispute that debt, they have to prove you owe it, and you can continue to dispute it. them saying you owe the debt isnt a valid argument.
4. if your score is a little low, get your famly member or a close friend (who has excellant credit ) to add you to their oldest card. have them call that card company and say" hey, i want another card for my little sister...and include her social security number with it!"

after that card arrives, cut it in half!
45 days later, your friends / family members score becomes your own!
ts called a TRADE LINE, AND YES IT WORKS.

Ive done this exactly 231 times for family and friends of family over the past 2 years...and worked like a dream.

thats good info

[bellybuttonlint]

glad you thnk so, now pay me 3,000.oo for consulting . hahaha

[Wagerboy]

Originally Posted by bellybuttonlint

1. get your credt report from all 3 agencies for free ( 1 free report for free )
https://www.annualcreditreport.com/cra/order
2. any debt over years, dispute it directly on the 3 reports that you get
3. any debt over 2 years, dispute it, ask them to PROVE THAT YOU DO INFACT OWE THEM. it will be very hard for them to produce the original paper work...example:
2 years ago, you applied for a mastercard because you saw that shiney little booklet.So you filled it out and mailed it in. you got your credit card, activated t from a phone not registered in your name,went on a shopping spree, and said " hey fuck you im not paying it back!"...when you dispute that debt, they have to prove you owe it, and you can continue to dispute it. them saying you owe the debt isnt a valid argument.
4. if your score is a little low, get your famly member or a close friend (who has excellant credit ) to add you to their oldest card. have them call that card company and say" hey, i want another card for my little sister...and include her social security number with it!"

after that card arrives, cut it in half!
45 days later, your friends / family members score becomes your own!
ts called a TRADE LINE, AND YES IT WORKS.

Ive done this exactly 231 times for family and friends of family over the past 2 years...and worked like a dream.

That has to be the worst info I have even seen. A "tradeline" isnt being on someones credit card. Having a big A next to that "tradeline" you speak of just hurts the person more, as any analyst will think 1) your trying to get a score 2) you cant handle our own bills. "in 45 days your score becomes theirs" LOL

This isnt 1995 anymore. Earn your credit. and if you did that 241 times for your friends, then you must be spending 200K + a month on cards cause no creditor would do that for anyone. It costs them money. Silly advice.

[pamon]

and as someone in the credit industry, can vouch that the fico scoring methods have been adjusted to reflect the authorized user accounts. It's dropped big time and newer scores are out there based on this..

And the annualcreditreport.com site lets you get all 3 bureaus, once a year. FTC approved.

[Wagerboy]

Originally Posted by pamon

and as someone in the credit industry, can vouch that the fico scoring methods have been adjusted to reflect the authorized user accounts. It's dropped big time and newer scores are out there based on this..

And the annualcreditreport.com site lets you get all 3 bureaus, once a year. FTC approved.

Im in the credit biz as well...those free credit reports arent actual reports as you probably know, they are just complied accts and they use an internal score, not your actual credit score, most say about 80-100 points higher to get the buyer to sign up to "protect and monitor" their "good credit".

[shahab6]

Originally Posted by pamon

and as someone in the credit industry, can vouch that the fico scoring methods have been adjusted to reflect the authorized user accounts. It's dropped big time and newer scores are out there based on this..

And the annualcreditreport.com site lets you get all 3 bureaus, once a year. FTC approved.

that is true, they have been dropping big time

[woj]

Just pay your bills on time, jeez, what's so hard about that?

[pamon]

yeah, if looking for your scores, goto myfico.com and grab them there

[shahab6]

Originally Posted by woj

Just pay your bills on time, jeez, what's so hard about that?

there is more to that than just paying on time.