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
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Billy Alt - Tuesday, November 21, 2017
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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
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Billy Alt - Wednesday, November 01, 2017
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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
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Billy Alt - Wednesday, November 01, 2017
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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
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Billy Alt - Wednesday, November 01, 2017
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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
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Billy Alt - Monday, October 30, 2017
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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
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Billy Alt - Friday, October 27, 2017
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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
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Billy Alt - Friday, October 27, 2017
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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
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Billy Alt - Friday, October 27, 2017
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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
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Billy Alt - Friday, October 27, 2017
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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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