Questions: Check out my DIY Credit Repair Ebook for Canadians

http://www.canadian-money-advisor.ca/canadian-credit-repair-ebook.html

Equifax Canada’s Site – http://www.equifax.ca
TransUnion Canada’s Site – http://www.tuc.ca

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Expert: Jerrie Guthrey
Bio: Jerrie Guthrey has been a certified public accountant and credit counselor since 1992.
Filmmaker: Jack Guthrey

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Your credit score affects many aspects of your life, so its important to have a clear understanding of how it works. Learning the five main components of your score is a good first step.

•Payment history is based on your bill payment history over time. This includes but is not limited to credit card, mortgage, and utility payments. Keep your credit score in good standing by making consistent, on-time payments.

•Amount owed is determined by the amount of debt you owe versus the total amount of credit you have. The reality is, if you use more than 50 percent of your credit limit, you will likely see your score drop.

•Length of credit history demonstrates your financial stability and the ability to manage credit responsibly. Keeping credit accounts open for at least two years will positively affect your score. Length of credit history can also play a role if you are trying to reduce your number of accounts.

•New credit looks at the number of accounts youve opened recently, as well as your proportion of new accounts to older, established accounts. Also considered are the number of recent credit inquiries that have been made for your report.

•Types of credit examines your current mix of debts, which may include credit cards, mortgage and auto loans, and retail accounts. Its important to have a good blend of credit, with limited revolving credit card accounts, because it shows youre able to manage a variety of credit types, says Elling.

Visit your local Affinity Plus branch location for a free copy of your credit report. A financial professional will meet with you, one-on-one, to review your report and answer your questions. We want to help you understand your credit report and how you can improve, and maintain, your score, says Elling.

For more information about credit score factors, free workshops, or to make an appointment with an Affinity Plus Federal Credit Union financial professional, please call (888) 830-2280 or visit www.onthemoneymn.com.

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Big mortgage companies was pressing CRAs (Credit Reporting Agencies) to allow fast re-scoring for their clients to get them approved for mortgage. As a result now we have a 3rd party facilitators called “resellers”. Resellers help mortgage prospects to improve their credit score. They are paid by mortgage lenders. They are not allowed to advertise their services to general public.

Resellers can achieve fast results because they receive “preferred” fast service from CRAs (they don’t have to wait 30 days), and because they concentrate on activity which provides fast results. You can achieve the same results (it will take just couple of weeks longer). Here are the main focus points:

(1) Late payments – make “Good will” request to the lender (credit card company) to remove it.

(2) Make a payment on an account – and get a signed letter.

(3) Maxed out or high balance on revolving account (more than 30-35%) – pay, get a letter.

(4) Account that has been paid in full, but shown as having a balance – request a letter from the creditor confirming that the account is paid in full. Be careful about old ‘charge-offs’: if they are old – better let them stay ‘as is’. For more details why look here: http://www.101creditrepair.com

(5) Account which is not yours – dispute.

(6) Records which are too old (for example, an account beyond 7 year limit) – ask to remove

(7) Other accounts that should not be in report, for example a collection that has been already paid to another collection agency.

(8) Multiple references to the same account – dispute.

(9) An account on which you are only an ‘authorized user’. Authorized users are not legally obligated for payments. Yet the FICO scoring model still scores authorized user accounts as if they were joint users. Dispute.

For more information visit http://www.101creditrepair.com

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(1) Late records. Call your lenders and ask them to remove the late records in exchange of you making the payment. Or just say that you don’t recall being late. It may be as simple as a phone call.

(2) Settle with lenders. Negotiate that they will remove the bad records from your file retroactively instead of just reporting the debt as “paid in full”. The original creditor has the power to do this (completely dismiss all bad records related to the account). Also important is to get their promise in writing before you pay them. Usually it is a signed letter on a letterhead sent to you via fax.

(3) Dispute with CRAs. Do this by writing letters, providing proof – and sending them via certified mail so that you will have a confirmation of delivery for your file. If you do it right – the agencies will have to verify the facts and remove mistakes in no more than 30 days. In the guides on our web site ( http://www.101CreditRepair.com ) we provide sample letters and explain the tactics.

(4) Get more positive records – ask the lenders or vendors with whom you have good standing to send good information about you to credit agencies, or simply give you letters which you can forward to credit agencies yourself. This tactics is usually overlooked – but it is effective in shifting your good-to-bad balance.

(5) Reduce your revolving debt-to-credit ratio to less than 35%. Just one maxed-out credit card can reduce your score by 30 points. Partially pay it – or redistribute your debt between accounts. Note – opening new credit card accounts and moving balance into them has negative effect on your score. But may reduce your score. beif getting new cards – don’t get more than 2-3 at a time – and then wait 3-5 months before applying for more. Remember that opening a new account and moving balance into it can by itself reduce your score.

The above 5 simple tactics will work for most people and will provide fast results. For more advice on improving your credit score and cleaning your credit history visit our web site http://www.101creditrepair.com .

Note: lenders often send info to CRAs only once a month. For faster results ask for letters which you can send to CRAs yourself.

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One of the best times to receive a 3 in 1 credit report is when you are preparing financially to buy a home. In order to be approved for a home loan or mortgage, you’ll need to have a credit score that is falls within an acceptable range. The higher your score, generally, the more capable you are of paying your debts and managing your finances. And, the higher your score on your 3 in 1 credit report, the lower your interest rate will be for your loan, which means that your home payments will be more affordable, and you’ll be able to find a home that is more affordable.

The 3 in 1 credit report will also help you to get approved for a new automobile. The banks and organizations that offer the loans for the automobiles that you want will need to know that you have a history of paying your bills in a timely manner, so that they will not lose money if they extend the funds to you. After you receive your report, it is best to look for a car that is still of good quality, but well below your price range, so that you will not overextend yourself financially.

Some of the items that you may find on your 3 in 1 credit report that you may need to fix include bills from student loans, medical bills, or small accounts that you may have opened and forgotten about. When you request a collective report from Experian, Equifax, and TransUnion, you will also be able to see if there are items on one report that are not on the other two, so that you can dispute the items if need be before you apply for new lines of credit.

Want to find the best places to request your 3 in 1 credit report? You can log onto sites like www.annualcreditreport.com, a site that is set up by the three credit bureaus, to receive a free report each year. You may also want to visit www.creditreport.com to get more information on how you can obtain a report and improve your credit.

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When you want to have a copy of your Credit Score And Report, you first have to send for a request for it. To get totally for Free you can go to annualcreditreport.com, which was set up by the big 3 Credit bureaus by legislation on behalf of the FTC. Then when you have your Credit Report, try to read it carefully and see if there is a need to correct or fix it. If there is a correction needed, then gather evidence for that error where the Reporting agency made mistakes.

There are some Bureaus that type or have been given the wrong information and need to be fixed by you. To fix your Credit Score And Report, start by identifying the mistake. The gather all your proof. Then send it to the Reporting agency and your lender if applicable. Always keep the original copy of your Credit Report and other documentation.

There are also Bureaus on the internet that will help you fix your Credit Score And Report. However, they cost money and are far more expensive than just doing it yourself. On the other hand, if you don’t have the money or inclination to do it all yourself they can save you some effort.

Humans are not perfect although some try to be. Sometimes there are circumstances that cannot be avoided, especially if the one who types or Reports data is in a bad mood or if they are distracted because of their personal problems. Here are easy steps to take that can help avoid Credit Score And Reporting errors:

* Always keep copies or records of the entire letter or e-mail you receive. Keep all the statements and account records that you have paid or paid off. When you send letters, send it by certified mail. Always ask for return slip or receipt for the mail you send.

* Inform the business establishment who sent the erroneous information of their error. You can do so by sending them a copy of what you have as an evidence for the error that they have made so they can correct it in their records as well. They can also call the Credit Score And Reporting Bureaus for about these corrections if there is any.

* Always also send a copy or documents to the Credit Score And Reporting Agencies regarding the error that was Reported to them so they can correct it.

* Keep a neat file of all the records of all account statements you get. File them according to dates and the company name filed alphabetical so you can easily scan your file to make sure that there is no error Reported on your Credit Score And Report. Always keep your important documents so that when you need them you can easily locate them.

For more see check my credit report online and repair credit report errors.

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