How to Raise Your Credit Score with these 3 Credit Repair Tips
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Eric is the owner of VIP Score Boosters, a highly rated credit repair company based in Birmingham, Alabama.
In this video Erick educates on his top 3 credit repair tips to help you qualify for a home loan. His 3-steps are supported by both new school and old school methods of raising credit scores.
The old fashioned way is by paying down your credit cards, making those payments you know putting a dent in that balance and getting it under 10% and then allowing the statement date to report before you start using it again. That way it reports to the credit bureaus and gives you those points.
Another way you can do this is by finding a responsible family member and seeing if you can get them to add you as an authorized user to their credit card. That’s why I say responsible because if they have a card that has no miss payments and a low balance, you can take on their credit history onto your credit reports, and you can get boosted that way. So that is another great way that you can get under that 10% utilization. If you don’t have any credit cards at all, you got to get some you’re missing out on a lot of points by not having a credit card.
The second important word is, validation. Because, you may have collection accounts on your credit report. And when you’re dealing with a debt collector, you’re asking them for validation. And that is when you ask them to prove that what they’re reporting on you is valid by asking them to provide documentation that supports so validation applies to those debt collectors. And you’ll be surprised when you start asking for these things, how many times they’ll you know, sort of run away, but that’s great for you because then your account gets deleted from your credit report, and you’re one step closer to the house than the attorney. So that being said, dispute the items on your credit report is a great way to improve your scores instantly.
For more information, follow this helpful link to Eric’s VIP Score Boosters website –
Listen to Eric’s interview on the Magic City Business Podcast –
#creditscore #creditrepair #creditscorehacks
Jason M. Will
Broker – Owner
JPAR Coast & County
Call or Text: 251.583.9728
Diana Munoz Will | Movement Mortgage
Call or Text: (251) 508-1336
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