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I'm Bo Majors
139 Jennings Cr
Tullahoma TN 37388
Raise Credit Score Fast Quickly Free: Fico Beacon Scores

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1. Get your Free Credit Score from CreditReport.com - fast, free and easy! 
Free Personal Credit Score Analysis Included. I use this site because I know I cannot fix what I cannot see or understand!


We must have 3 - 6 open car/home loans/credit cards to improve credit scores! It's not enough to pay off collections charges offs & bills. We MUST have current open rated credit (12 mo's reported to bureaus within the last 1 - 2 yrs) Get good credit BELOW
Credit Cards for a 350 - 599 Credit Score    Credit Card for a 600 - 649 Score 
Credit Cards for Credit Score of 650 - 699    Credit Cards for a 700 - 749 Credit Score

 2. Raise your credit score instantly by reducing your debt ratio!  

 The fastest way to improve your credit score is to reduce the to debt balance owed to the high credit limit allowed or the credit utilization ratio, on car loans, home loans, personal loans or credit cards.Two statements are on many if not all credit reports “Proportion of loan balances to loan amounts is too high. Proportion of balance to credit limits is too high.”  Take these statements to heart and lower your debt ratio on your credit cards to less than 80%.  50% or 30% is even better. This one technique alone can raise your credit score instantly by 10 20 30 40 50 60 70 80 even 100 points in some cases.

 3. Improve your credit score in hours, days or even today! Dispute, Validate and Negotiate bad credit debt.  

 The more bad credit removed from your report the quicker you can raise your credit scores fast. Dispute errorsvalidate debts and negotiate everything before you pay in full. Most creditors will work with you to lower interest rates, extend loan repayment periods, eliminate late fees and sometimes remove late payments. Nothing is guaranteed but by calling your credit card holder or loan officer you can avoid costly mistakes and even protect yourself with lower fees, interest and better terms. By validating negotiating and disputing past bad debts you might get bad credit removed completely and this can raise your credit score by 25 - 100 points fast and quick. 

  4. Raise your credit score fast quickly instantly! Pay Off Debts.  

 If you pay off bills completely you can improve your credit score faster. Maybe in less than 30 days. BUT NEGOTIATE BEFORE you pay any creditors and TRY to get something in writing on company letter head that says" if you pay off collections and bad debts in full with fees they will remove the bad credit. They may not do it. They may say it is illegal. BUT TRY. This step can potentially raise your score from 10 - 100 points instantly or in hours sometimes in a few short days.

 5. Dispute Mistakes and Errors!

 Some accounts bills, collections, charge offs, or anything could be too old, inaccurate or have the wrong date. You may have paid off a debt that still shows a balance outstanding. Getting these small errors fixed quickly will raise your credit score just as fast from 5 to 75 points. 

   Here are 6 items you should dispute to raise yourGet your Credit Score from CreditReport.com - fast, free and easy!faster quicker and free.

  1. Late payments, charge-offs, collections that aren't yours OR they are too old.

  2. Inaccurate dates or date records, date opened do, date of last activity dola, date of last delinquency dold.

  3. Credit limits reported too low or less than they really are or inaccurate.

  4. Accounts listed as "settlement accepted," "charge-off" or anything other than "current" or "paid as agreed" if you paid on time and in full.

  5. Anything listed as unpaid that were included in a bankruptcy.

  6. Bad credit that is more than seven years old (10 in the case of bankruptcy)


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                   More on raising your credit score fast quickly free.

  1. Check my credit reports and scores then quickly decide what bad credit I might have the best chance to remove reduce or negotiate.

  2. Have at least 3 reported open lines of credit I can't improve raise increase or better what I do not have.

  3. Pay credit lines down to less than 80% of high credit limits. Raise Improve Increase scores 70 points in less than 30 days

  4. Negotiate anything you can't get removed by dispute. Raise Improve Increase scores 20 points fast

  5. Validate anything that is verified by dispute. Raise Improve Increase scores 20 points quickly

  6. Dispute errorshere. Use certified priority mail. Raise Improve Increase scores up to 50 points free

  7. Pay off all legally verified debts and ask for total removal or paid in full as agreed. Raise Improve Increase scores 20 points fast

  8. Re open any past closed credit cards that are reporting late payments. Ask them to remove the lates' 12 months later. Raise Improve Increase scores 20 points quickly

  9.  If I cannot find past bad creditors, then I dispute the credit as not mine. Raise credit score 15 - 100 points in less than 30 days or 1 month.


Get your Free Credit Score from CreditReport.com - fast, free and easy! 
Free Personal Credit Score Analysis Included. I use this site because I know I cannot fix what I cannot see or understand!

We must have 3 - 6 open car/home loans/credit cards to improve credit scores! It's not enough to pay off collections charges offs & bills. We MUST have current open rated credit (12 mo's reported to bureaus within the last 1 - 2 yrs) Get good credit BELOW
Credit Cards for a 350 - 599 Credit Score    Credit Card for a 600 - 649 Score 
Credit Cards for Credit Score of 650 - 699    Credit Cards for a 700 - 749 Credit Score

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Raise Credit Score Fast Quickly Free: Fico Beacon Scores

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