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Billy's 50 Credit Tips

Getting That 800-850 Credit Score...

Billy Alt - Friday, January 18, 2019
Getting That 800-850 Credit Score... Approximately 1% of the population has perfect credit, meaning a perfect FICO score of 850. It's no big secret. If you look into an 850 credit file you will notice a few factors and no special tricks. Here are the factors... Between four and six revolving accounts (meaning credit cards). At least one "installment" tradeline (e.g., a mortgage or auto loan) in good standing. A few accounts around 20 years old with a long history of  ..

Tip #12 - Adding Authorized Users

Billy Alt - Tuesday, November 21, 2017
*|MC:SUBJECT|* Important Credit Tips By 700 Credit Repair Adding Authorized Users What happens when you add an authorized user to a credit card? There are two factors to consider before adding someone to your credit card account. Firstly, be aware that you become 100% legally liable for al ..

Tip #16 - Saving Your Investigation Results

Billy Alt - Wednesday, November 01, 2017
*|MC:SUBJECT|* Important Credit Tips By 700 Credit Repair Are You Saving Your Investigation Results? After sending your letters and making sure you have a paper trail, bureaus will respond by sending you results through mail. While you may get certain items t ..

Tip #15 - New Credit Card Accounts

Billy Alt - Wednesday, November 01, 2017
*|MC:SUBJECT|* Important Credit Tips By 700 Credit Repair New Credit Card Accounts Never open a new credit card account after you have about 5 or 6 and in some cases 4 credit cards. Why? Account History! New accounts lower the AVERAGE time of your revolving accounts. So, if you ha ..

Tip #14 - Credit and Employers: Good Credit Matters

Billy Alt - Wednesday, November 01, 2017
*|MC:SUBJECT|* Important Credit Tips By 700 Credit Repair Consumers Need Good Credit for Low-Paying Jobs Why is a credit service business necessary more than ever? Well, there is proof that you now need good credit for a low paying job. Despite the massive loss of jobs, with Americans behind on their mortgages and the foreclosures crisis this  ..

Tip #13 - Sued For Cell Phone Bill After 2 Years

Billy Alt - Monday, October 30, 2017
*|MC:SUBJECT|* Important Credit Tips By 700 Credit Repair Sued For Cell Phone Bill After Two Years You May Have A Lawsuit Of Your Own We have seen many cases where debt buyers such as Palisades, Asset Acceptance, Unifund, Hawker Financial, etc. are suing consumers for small debts such as ..

Tip #10 - Credit Reporting Agencies Must Delete Bankruptcy Debts

Billy Alt - Friday, October 27, 2017
*|MC:SUBJECT|* Important Credit Tips By 700 Credit Repair Credit Reporting Agencies Must Delete Bankruptcy Debts You get your bankruptcy discharge, try to refinance your mortgage, and are told you do not qualify because of a debt or debts still on your credit report. I'm sure you are wondering ho ..

Tip #9 - Disputing Tax Liens

Billy Alt - Friday, October 27, 2017
*|MC:SUBJECT|* Important Credit Tips By 700 Credit Repair Disputing Tax Liens Know that tax liens are NOT very important for credit scores. However, it can make a difference when your credit report is reviewed MANUALLY by underwriters in cases of obtaining a mortgage or ot ..

Tip #8 - Threat of Lawsuit To A Credit Bureau

Billy Alt - Friday, October 27, 2017
*|MC:SUBJECT|* Important Credit Tips By 700 Credit Repair Threat of Lawsuit To A Credit Bureau Never, I repeat, NEVER send a letter of intent to file a law suit with a credit bureau unless you are going to go through with the process. Why? Because, you are wasting time. Credit bureaus get  ..

Tip #11 - Check for Inactive Accounts

Billy Alt - Friday, October 27, 2017
*|MC:SUBJECT|* Important Credit Tips By 700 Credit Repair Check for Inactive Accounts You may sometimes see OPEN accounts on your credit reports that are considered "inactive" or an account that may say "Closed or Inactive Accounts." Make sure you take action to correct this matter. Sim ..

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