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Credit Repair


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Credit 101

Additional Information

 Score chart
Exceptional (800-850)
Very Dependable (740-799)
Good (670-739)
Below Average (580-669)
Very Risky (300-579)

Key Factors
On time payments
Credit History
Credit Utilization
Recent Inquires
Open Accounts
Available Credit
Revolving Credit
Installments
Collections
Derogatory Remarks
Line of Credit Accounts

How to stimulate credit score
-Pay bills on or before time!
-Remain under 30%  in debt with all credit lines
-Make payments a week in advance
-Pay extra on recurring debt
-Open a line of credit account of $50,000 or more
-Open credit cards 6 months apart
-Don't take out a store credit card, max out credit lines, take out auto loan, student loan.
-maintain 3 lines of credit
-24 months+ length of credit history