Welcome back to the “How to Fix Your Credit Score So You Can Buy Your House” E-Course. In the first video, we learned:
- How To Take Back Control Over Your Credit Score.
- 6 Easy and Quick Fixes That Can Bump Your Credit Score In 30 Days Or Less.
- Where to get the Right Credit Score (for free).
- How to Reduce Your Credit Utilization (and bump up your score) Without Paying Down Debt.
- 3 Ways to Slash Your cost of Credit.
- and more…….
In this second video we cover:
- How to Get the Real Complete Credit Report For Free (hint – you can’t do this by ordering one credit report).
- How to Read Your Credit Report.
- How to Spot Hidden Mistakes in Your Credit File.
- 6 Quick Credit Score Boosters You Can Start Using Today.
- 3 Ways to Get Negative Data Removed From Your Credit Report Yourself (even if you think you can’t).
- How to Force Creditors to Clean Up Your Credit History.
Let’s get right to it. Watch the video and get ready to see your credit score soar!
Below you’ll find all the resources you need to fix your credit score and credit history as quickly and as easily as possible:
1. Credit Scores
– Learn how to use Credit Sesame or Quizzle to get your approximate credit score and to monitor your credit for free. The credit scores these companies provide are good indicators of your FICO score but they each provide free services that go far beyond just doing that. They actually can help you improve your score (over time) too.
– My Fico will sell your FICO score or you can use their credit score range estimator for free. Just make sure you don’t sign up for their monthly service – Credit Sesame and Quizzle do the same thing for free.
2. Refinance Your Debt To Slash Interest Costs
-Here are 3 ways to lower your cost of debt and potentially drop your credit utilization which could quickly improve your credit score.
-Learn about how to use Peer-to-Peer lending to refinance your debt and cut your costs overnight. While Lending Club is the big player, Proser is also a company you might find worth talking to.
3. Credit Reports
Consider using annualcreditreport.com to get your free credit report. As I explained, it’s far better to get all three reports at once (also free) rather than one every 4 months. This is the only way to get a full and complete picture of your credit situation.
4. Dispute Letter Templates
Here’s a good template to follow when writing your dispute but remember to write your letter in your own words. When you do, it helps get the attention of the people in the credit bureau’s complaint department.
Here’s a little more info on how to write your letter.
5. Laws That Protect Consumers
Don’t worry- you don’t have to go to law school in order to understand consumer protection laws. There are only a handful of rules to be aware of – but since most consumers don’t understand these laws, they get taken advantage of. Here’s a quick and easy explanation of the laws that protect you and how to use them.
6. Suing Your Creditors/Credit Bureaus
Here’s a cool post on suing your creditors and credit bureaus using small claims court. This is a cool tactic because the creditors and bureaus aren’t set up for this kind of thing and the cost of them appearing usually is greater than the debt they claim you owe. As a result, if you have a solid claim, they will likely settle and clean up your credit report.
7. Lexington Law Review
Lexington Law is the oldest and biggest player in the credit repair industry. It is also a law firm which is a plus. Also, they’ve helped over 500,000 people since they opened their doors and are successful in getting 10.3 items removed from the average customer’s credit report. They might be a good resource for you but I can’t be sure. They can’t help everyone. But they do offer a free consultation. After you go through the entire 3 videos, give them a try if you are so inclined. Ask informed questions and see for yourself if you think they might be any help to you.
You’re here for one reason – to fix your credit history and score in order to qualify for a great mortgage which will allow you to buy the house you really want. In the first video, you learned how credit scores work and you discovered some simple tasks to help you increase that score pretty quickly. You also learned what kind of score you need in order to qualify for the best mortgages.
In the second video, you learned how to get your complete credit history for free and how to start getting rid of mistakes and other negative data that doesn’t really belong on your report.
In the next and last video, we’re going to take it up a notch. We talk about black-belt tactics you can use to force credit bureaus and creditors to clean your credit history. And we also learned that we can often get these people to clean up and remove a lot more negative data than most people think is possible.
By the end of this course (only one more video away) you will understand exactly what your score should be in order to get the best mortgage, what your score is now and all the things you can do to improve it. Let’s keep moving in the right direction. On to video three!