Raise Your Credit Score In 30 Days!

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OK, so you have a little (or maybe not so little) problem with your credit report. All is not lost, but you will have to dedicate some effort and time to "fix or repair" your credit score. Keep in mind that it took more than 30 days to screw your credit score up, so make sure that you follow the basic guidelines of restoring it.

There's a lot of jargon and information you need to know before you start your repair project. Repairing your credit score is not brain surgery but you do need to adhere to some basics in order to accomplish your goal of a higher credit score. There's a lot of misinformation out there about just exactly what a credit score is and how you improve it.

Don't Get Ripped Off

Another problem with credit repair is there are 100's if not 1000's of scoundrels out there that prey on the unsuspecting person with less than stellar credit. They will make unrealistic claims that promise to fix anything for a price. And the worst part is that not only will they take your money, they can actually cause damage to your credit score.

Our less than perfect credit rating system is regulated by the government. Which can be both a good thing and a bad thing. But you should know a few facts and don't get fooled.
You can also get a FREE credit report from all three major credit bureaus. Don't pay for something that you can get for FREE. Go to the Federal Trade Commission's site here to get the full details:
http://www.ftc.gov/bcp/conline/pubs/credit/freereports.htm

The only catch 22 is that you don't get a credit score with your credit reports. But if you have been turned down by a creditor (or given what you think is an unfair rate) you can request the information from them and they will provide the score they used to determine your rate.

But it's still pretty clear on the credit reports what might be having a negative impact on your credit score. So these reports are the first step in working on raising your credit score.

And keep in mind there are no secrets, no special methods, and certainly no one has any better chance than you, the owner of the credit score, to repair or fix your credit score.

What Is A Credit Score?

A credit bureau, or credit repository, is an entity that gathers information about consumers' credit histories. Your credit history/report includes information regarding the following items:

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