Credit-Help101 – Bad Credit Help – Credit Repair

Credit-Help101 Has A Lot Of Resources and Information About Credit Ratings, Credit Score, Credit Repair, How To’s, Tips And Tricks, And Much More.

What Is Your Credit Score All About?

Your credit score is a three digit number that is indicative of you debt repayment history. There are three credit rating bureaus that calculate the credit score: Experian, Equifax and TransUnion albeit the algorithm used for the calculation of the credit rating differs marginally from one bureau to another. Your credit score is an amalgamation of a myriad of factors from your debt-credit ratio to records of late payment and from bankruptcy and foreclosures to the amount if credit card debts. Each factor is responsible for varying percentage of the total credit score.

The range of a credit rating is from 300 to 900 with the upper echelons of 720 and above considered to be good and anything below 619 branded as a poor credit score. There are scores of things that are heavily dependant on your credit rating like your ability to secure debts, employment and even the chances of getting a house on rent. If you are wondering how a small three digit number can create this degree of mayhem, it is quite simply with this number your lenders can find out about al those unpaid and late paid bills. This in turn helps them to accurately gauge the level of risk associated with granting you a loan.

Unfortunately until recently this all important number was strictly meant for the eyes of the lenders but now you can easily access your credit score for a fee. A credit rating is akin to your school grade card where every subject carried a certain number of marks or weight according to its importance and the sum of all these aspects would give the final score. Similarly a credit rating report of various financial aspects like your payment history which makes up 35% of your total score while 30% of the score is reserved for outstanding debts, 15% to the credit history and 10% each to the your credit mix and new

debts. If you observe closely, you will notice that all these are common sense factors which can easily be played around with to achieve a good credit score.

Do You Want To Improve Your Credit In 37 Days?

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When armed with the right tools it really is easy to boost your credit.

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You’ll learn…

  • How to DELETE 30, 60, 90, 120, and even 150 day late-pays from your credit report virtually overnight!
  • Four simple ways to never ever get stuck in the bad credit vortex again!
  • How to easily setup an automated budgeting system to track expenses, income, and all of your payments and bills without lifting a finger!
  • A super secret trick that ZAPS all of your harmful inquiries in days - not weeks or months – JUST DAYS!
  • A neat little way to double your credit card limits with one quick phone call!
  • A ninja-like technique to drive your score up an easy 75 points with one simple call!
  • The little known secret to getting your credit card APR interest rates dropped to zero! (This secret statement will save you thousands upon thousands of dollars in interest payments!

If You Want To Get Lower Interest Rates On Your Purchases Just By Following A Simple System To Repair Your Credit

Click Here.

If Not, You Will Get Ripped Off Again And Again When Buying A Car, TV, Or Anything Else You Might Want!

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