Raising FICO Score
A Report Card on Your Credit Record And Personal Finances!
Raising fico scores 101: Why should you care? Because, in general, the better your credit history, fico and credit scores, the better your chances of obtaining a low-cost loan or insurance policy, renting an apartment, or qualifying for a job.
If you're thinking about buying a house or a car, your fico and credit scores are very, very important numbers.
Take a second and think back to your school days, when grades, report cards, test scores and teacher recommendations had a lot to do with getting ahead. Now fast-forward to your life today.
You may not think much about raising your fico score, but you're still being evaluated and graded in the subject of personal finance and once again the results can be critical to your future.
We're referring to credit reports, which summarize your history of paying debts and other bills, fico and credit scores, which predict risk. Both help banks, insurers, landlords and even potential employers make judgments about your reliability.
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Raising Fico Score Is A Must!
We hope that after you've read this special report you will know about such things as:
- What credit reports, fico and credit scores are all about, including who produces them and who has access to them;
- How to make corrections to your credit report if you find wrong or missing information that can lower your credit score and cost you money;
- Why and how to avoid common consumer mistakes that can tarnish your credit record and cost you money;
- How to avoid credit-related scams, including identity theft and credit repair fraud;
- How to take advantage of federal laws that protect you and your credit record; and
- Learn how raising fico scores will help you today, and where to turn for more help or information.
Important: Even a modest improvement in your credit file and credit score which can sometimes result from simple corrections to incomplete or erroneous information in your credit report may be enough to qualify you for a lower interest rate on a mortgage or credit card and save you hundreds of dollars each year in interest payments just by raising your fico score.
Raising Fico Score!
On the other hand, if your fico score chart weakens, you may face consequences associated with becoming a higher risk, including an increase in the interest rate or a reduction in the credit limit on an existing credit card.
Whether you're an A-plus or a D-minus in handling finances, you want to have the best and most accurate fico and credit scores possible, because even small differences can cost you or save you a bundle of money.
Unfortunately, many consumers don't understand the significance of their credit history or the simple things they can do to build and protect a solid financial reputation.
The more you know about your credit report and your credit score, the better your chances are of making the smart decisions that will help you protect your finances and your financial reputation.
Raising Fico Score Made Easy!
Update: New Law to Make It Easier to Obtain and Correct Your Credit Reports!
In an important development, Congress in November 2003 passed a new law that can help you ensure the accuracy of your credit information and monitor your credit files for signs you may be a victim of identity theft.
The law will enable you to obtain a free copy of your credit report once a year from each of the three major credit bureaus; this provision will take effect over a period of nine months.
Beginning December 1, 2004, in western states and moving east with completion scheduled for September 1, 2005. Nationwide as of December 1, 2004, you’ll have the right to learn your credit scores.
Which are designed to help predict how likely you are to repay a loan or make payments on time. As of that same date, merchants also must notify you if they plan to report negative information about you to a credit bureau.
The Federal Trade Commission (www.ftc.gov) and the Federal Reserve Board (www.federalreserve.gov) have issued rules to put the new law into effect.
Raising fico score, Your credit history can affect your daily life from where you live and work to how much you pay for a loan or insurance. Here's a guide to raising fico scores and protecting your financial reputation.
A Report Card on Your Your Credit Record And Personal Finances! We hope that after you've read this special report you will take action.
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