Credit help | Ways credit free | Check 3 in 1 credit report

  I could not find good answers or real live people to help me so I made this website to help others. My credit was bad. Collections, charge offs and late payments everywhere.

  In 2004 the U.S. Public Interest Research Group found that 1 in 4 credit reports contained errors serious enough to be denied credit, housing, or even a job.  

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11 things you need to know for credit help.

 1 ~ Get my totally free credit reports and scores right now. The best credit offer on the net.
 2 ~ Pay current loans and cards before 30 days elapse and if I can't, I call creditors and agree to terms of payment help to build credit.
 3 ~ Pay down balances to less than 80% debt to high credit.
 4 ~ Negotiate for credit help before I pay on past bad credit. I ask collection agencies, credit card and loan companies for settlements and updated reports before I make payments. The #2 credit help mistake is, asking for updates or removal "after" making payment. If the credit has any mistake or if I do not know how to contact the creditor I go to next step. 
 5 ~ Dispute any errors on my credit report free by certified mail
Errors could be too old, fraud, unfamiliar, theft, mistake, wrong balance, paid off in full, never late, not mine, duplicate, incorrect dates, included in bankruptcy or divorce decree. Mail disputes with copies of any documentation from negotiations, investigations or receipts, or dispute with no documentation if I can't recognize or contact the creditor.
 6 ~ Mail all credit disputes with delivery confirmation and use next day air for a faster and confirmed credit answers and updates.
 7 ~ Have 3 credit lines open with loans and credit cards that report to bureaus.
These lines of credit must be rated (open for 12 months minimum) and reported (to a major bureau) and show no more than 80% of my available high credit limit borrowed.  The #1 credit mistake is, failing to keep open 3 currently good and rated credit lines of credit with no more than 80% debt for each.
 8 ~ Check all my totally free credit score weekly for fix my credit score updates.
Negotiating and disputing? Monitor for unwanted fraud. Get a credit report and score once per year minimum.
 9 ~ Make sure, no payments, are even one date late, when I check my report
My score will be dramatically lower, if only one payment is one day late from the due date. If I make the payment before 30 days pass my credit will not be affected for the long term, but, if have my credit score report checked while a payment is actively just a few days past due, then my credit score will be lower right then. This is one of the most over looked aspects of credit score help.
 10 ~ Learn the top ways to raise my credit score fast and free.
Keep current credit open. Pay down balances to less than 80%. Re open past bad accounts and more.
11 ~ Credit updates or dispute inquiries take 30 days.
So it is important to keep a watch on my credit report to make sure the updates happen and my score gets better. Almost any credit will raise to 640 - 700 in 2 years or less with current good open credit and no more new bad credit.

~What makes a perfect credit report or 720+ credit score?
1 - 2 addresses in the last 7 years. Stable the last two.
1 - 4 job listings in the last 7 years. Stable the last two.
3 - 4 lines of credit that are 7 years on the books with less than 80% owed and no late payments.
~Such as:
1 home loan with 7 years of perfect payments.
1 open car loan with 2 years on the books with no late payments.
1 gas card that shows 7 years on the books.
1 major credit card with 7 years on the books
A couple of paid off car lines of credit that are closed. Like a car loan. 
0 - 6 'I signed for" "asking for credit" credit inquiries in the last 2 years.

~Be reminded if I have all the things above but my credit shows some late payments, or even a bankruptcy that are older than 2 years, then my credit score could still be in the 700's if I have good open credit.
So always get and keep good credit lines open, current and active.
 

~Realize that a stable working income and budgeting are the best cures for credit problems. If I cannot pay my bills, loans and credit cards because I lost my job, then I have to find other job fast and try to make it a keeper, so I can be stable and have good credit. If some other catastrophic thing happens "beyond my control", I have to hold my head up and realize I am not my bank account but a reasonable, live human being. So I call and tell creditors why I cannot pay, hope for help and keep plugging till something good happens.

Extra credit help tips for continued bad credit to good credit hygiene

•  Make sure all credit files included in past bankruptcies show up on my credit report as zero balance and included in bankruptcy. If some accounts were assigned to a divorced spouse then, have these accounts flagged as assigned to spouse in bankruptcy. 

• Put credit fraud alerts on credit reports that have potential credit fraud, due to  identity theft, stolen credit cards or even a stolen wallet, purse or pocketbook.

• Collections companies are hassling me about very old or unfamiliar credit that may be duplicates or I might have been penalized for in the past. Now the 7 year thing is starting over for the same bad credit.

•  Creditors are calling, my score is falling I can't pay all my bills! Get instant advice here. The debt consolidation quote is free so hurry and find out what options are available.

•  Not all bad credit can be helped legally. Companies cannot get a new credit identity legally. New identities are scams and illegal!

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