How To Raise your FICO

THe quickest esiest way to raise your FICO is to purchaese a 10K credit line from OX Publishing. Otherwise try some of the links on this page.



Payment History Tips
Pay your bills on time.
Delinquent payments and collections can have a major negative impact on your FICO score.
If you have missed payments, get current and stay current.
The longer you pay your bills on time, the better your credit score.
Be aware that paying off a collection account will not remove it from your credit report.
It will stay on your report for seven years.
If you are having trouble making ends meet, contact your creditors or see a legitimate credit counselor.
This won't improve your credit score immediately, but if you can begin to manage your credit and pay on time, your score will get better over time.
Amounts Owed Tips
Keep balances low on credit cards and other “revolving credit”.
High outstanding debt can affect a credit score.
Pay off debt rather than moving it around.
The most effective way to improve your credit score in this area is by paying down your revolving credit. In fact, owing the same amount but having fewer open accounts may lower your score.
Don't close unused credit cards as a short-term strategy to raise your score.
Don't open a number of new credit cards that you don't need, just to increase your available credit.
This approach could backfire and actually lower your credit score.
Length of Credit History Tips
If you have been managing credit for a short time, don't open a lot of new accounts too rapidly.
New accounts will lower your average account age, which will have a larger effect on your score if you don't have a lot of other credit information. Also, rapid account buildup can look risky if you are a new credit user.
New Credit Tips
Do your rate shopping for a given loan within a focused period of time.
FICO scores distinguish between a search for a single loan and a search for many new credit lines, in part by the length of time over which inquiries occur.
Re-establish your credit history if you have had problems.
Opening new accounts responsibly and paying them off on time will raise your credit score in the long term.
Note that it's OK to request and check your own credit report.
This won't affect your score, as long as you order your credit report directly from the credit reporting agency or through an organization authorized to provide credit reports to consumers.
Types of Credit Use Tips
Apply for and open new credit accounts only as needed.
Don't open accounts just to have a better credit mix - it probably won't raise your credit score.
Have credit cards - but manage them responsibly.
In general, having credit cards and installment loans (and paying timely payments) will raise your credit score. Someone with no credit cards, for example, tends to be higher risk than someone who has managed credit cards responsibly.
Note that closing an account doesn't make it go away.
A closed account will still show up on your credit report, and may be considered by the score.

Debt consolidation

Many people attempt debt consilidation and credit counseling thinking that it will improve their FICO score.
This is not true. Many people owe millions and have a healthy FICO. Debt is not the factor, it's debt to available credit ratio. If you owe a million but have credit lines adding up to 10 million your FICO will look good.

You need to raise you available credit and this can be done even with bad credit. Once it's been done it will improve your credit.

Check out the links below for a solution to your credit problems:

Quickly Boost Your FICO Score

Number 1 in our little bag of tricks to get you on your way to establishing credit for a first time mortgage, refinancing to a lower interest rate:

A little known comapny called Ox Publishing. Please visit their web site for detailed information on their program. Basically you make a small purchase from their catalog of Ebooks and they issue you a line of credit that will appear in your credit reports. Up to $10,000 line of credit. This will quickly and dramatically boost your FICO score.

Plesae visit the links bellow for more free resources.

Welcome:Home Loan Secrets Revealed

With today's' high foreclosure rates, the sub prime crisis and adjustable rate mortgages wreaking havoc. we need all the inside information possible to stay one step ahead of the game.

Please visit the links below to find resources to help you buy a home, refinance or repair your credit.