How to Credit Repair [Increased my FICO 200 Points]

The seven credit repair tricks I used to improve my credit score 200 points after destroying my FICO score in 2009 including the hacks that will start increasing your credit score immediately.

Your credit score factors into so many other things; your insurance premiums, getting a cell phone plan, renting an apartment and even getting a job.

So even if you don’t care about getting lower interest rates, increasing your credit score is going to make life a whole lot easier.

Now raising your credit score 200 points doesn’t happen overnight but I’m going to show you how to get the biggest gains first, within a couple of months. I’ll then reveal an 18-month plan to increase the full 200 points, real strategies that will boost your FICO score.

I know these credit hacks work because I used them myself. I destroyed my credit in 2009 during the financial crisis and ended up with a 560 FICO score. Rock bottom. I couldn’t get a loan if my life depended on it.

I now have an 805 FICO so an increase of 245 points with most of that within the first two years. These credit score tricks work, and they will boost your credit fast. There’s really only seven things you need to do to increase your credit score. We’ll cover all seven in this how to credit repair video and a long-term strategy to keep your credit score as high as possible.

I’ll show you how to fix a credit report and the credit score tips that go to work fast on bad credit. Make sure you check out this video on how to get your free credit reports and avoid the scammy pay sites.

A big part of credit repair is negotiating with creditors so I did an entire video on driving a hard bargain with collection agencies to get bad marks off your credit report.

• How I repaired my credit from 560 FICO to an 800 credit score
• Why credit repair is so important, not just to get lower rates on loans
• What credit score is considered bad credit and how to fix it fast
• How to negotiate with creditors to improve your credit score 100 points or more
• The most controversial credit score hack you’ll hear and why it works

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Joseph Hogue, CFA spent nearly a decade as an investment analyst for institutional firms and banks. He now helps people understand their financial lives through debt payoff strategies, investing and ways to save more money. He has appeared on Bloomberg and on sites like CNBC and Morningstar. He holds the Chartered Financial Analyst (CFA) designation and is a veteran of the Marine Corps.


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8 Responses

  1. anabel tiana says:

    I am a stay at home mom, my credit score is about 530- I have charged off several things on my report and have been working At this for years, I literally have 30 pages of a credit report. No matter what I do to pay a bill off it doesn’t improve my score. I have never had a store card or any unsecured credit card. It’s like a right of passage for teens(18 year olds, etc) to get a basic card and I’m sitting here at 55 and I can’t even get anything. I’ve never even been able to get an apartment on my own. I feel like a failure. I can’t travel because I can’t book hotels, rent cars, etc. I just want to be like everyone else

  2. Theo Paine says:

    How about a video on how to deal with IRS Tax Liens on one's credit reports!

  3. Thomas Lynch says:

    Is there a difference if you request a credit limit increase versus one being offered to you by your credit card provider in regards to it's short term effect on your credit score?

  4. Josh Ugarte says:

    I have a $400 loan that has gone to collections and is the only thing holding my credit from progressing, any tips ? Is this something I can dispute ? How should I go about this ???

  5. The Military Money Expert says:

    Great video Joseph! A lot of people and their credit can benefit from this!

  6. Jose Reynoso - Stock Market Videos says:

    Great video, very valuable information!

  7. Lydia Santiago - My Investment Journey says:

    I use credit karma you can dispute the bad mark directly on there. After the disputed was rejected my score went up. Idk why but I am not complaining. My car payment is also helping my score. Great tips here. 🙂

  8. Let's Talk Money! with Joseph Hogue, CFA says:

    What's your favorite credit repair tip from the video? Is there a credit hack you've used that I missed?

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