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September 23 2017


credit secrets

Almost everybody wants to make extra money on the side. However, being unable to control one's credit can lead to such disasters as financial debt and/or bankruptcy, as the negative debt spiral of higher interest rates and lack of funds spins wildly out of control. We provide a detailed, 'behind the scenes' look at how the credit system really operates and the Insider shortcuts to building the highest credit scores possible, using our detailed road-map for success.

Then some bright spark at the credit reference agencies realised they could generate a business called "consumer credit management". If your card is stolen, it could be used to make unauthorized purchases, and if you don't notice the charges, your credit rating could be in danger. When you apply for a product, a 'credit check' is done. Keeping old cards active, and using them once or twice a year, is better for your credit score than closing them.


Once you get a handle over the shittiest credit cards you have, call their customer service departments and request upgrades. This isn't passed on to other lenders when they credit-check you. EBay's Money Back Guarantee does cover gift cards, but PayP al's Buyer Protection scheme does not, so you'll have to go via eBay to resolve any problems. Crucially, many lenders see it as evidence of poor money management skills.

If you are only able to make the minimum payment on your credit card, you should instead pay the minimum payment + a penny. The age of the card is a very important factor in determining your credit score. Credit Karma is awesome and helps track for free. UPS knows time is money, and it is obsessed with using data to increase productivity. Many consumers seem to be helpless when it comes to their credit.

In total, I was able to get over 100 negative items removed from various credit reports. It is rare for secured credit cards to offer rewards programs, especially for cash back. See the Best Balance Transfers , 0% Spending and Credit Card Best Buys guides for full info. You'll get a free Experian Credit Score. In the past 10 years the credit landscape has almost completely shifted towards 'rate for risk'.<div style='text-align:center'><iframe width='480' height='336' src='http://www.youtube.com/embed/glWjU20XmaM' frameborder='0' allowfullscreen></iframe></div>

It needs to be a "regular" checking, savings, or money market account. They will either send a revised credit report, with the offending item changed or removed, or they are supposed to investigate and verify that the item is legitimate, and, therefore, stays in your report. You only need to do this the month BEFORE you plan on applying for NEW credit such as a NEW credit card, auto loan or mortgage or want to find out just how high you can get your scores.
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