Unfortunately, the way things have been going in the economy it is hard to find the silver lining.
If you know some handy tricks you can find your way through the dark cloud with a great credit score.
It is not so hard to do.
If you are going to apply for a loan, you may need a good credit rating.
It will be difficult if you have bad or no credit.
What is exciting here is that there are some tricks that will get even the worst credit rating in the world to raise in no time! Probably the best way to begin is to get your card limits up.
That means calling your credit card companies and asking them to raise your score , not on one, but all of your cards.
This is called raising your limit increase.
A little FYI too...
your FICO score is rated by you limits.
This is one of the great tricks most people never go after because it is thinking backwards or reverse engineering the problem.
What to do if they will not raise your limits, do the next best thing.
NO, do not cut up the cards just get the bad history removed.
Yes, that is right.
Pull the credit report, it is FREE and look for all of the bad items on your credit report.
This is also known as disputing your credit report.
This is the next best way.
Disputing items on your credit report will not cost a thing and the great thing is that you can do it in as little as months time.
The process usually begins with a letter or phone call and , in most cases, ends with a resolution of some sort.
Just go for it.