How to use our step-by-step “dispute process blueprint”

Your credit score is a reflection of how you’ve handled your financial obligations. It’s based on information that’s been reported to credit bureaus by companies, like credit card issuers and lenders, you have financial accounts with. If you’ve paid your bills on time and managed your accounts wisely, you’ll have a good credit score. But, if you’ve made some mistakes — like not paying on time or not paying at all — you’ll end up with bad credit.

The biggest chunk of your credit score is determined by how well you pay your bills each month; in fact, it accounts for a whopping 35% of your credit score! You’ll see this history listed on your credit report through different accounts you’ve had over the last seven years. Under every loan, credit card, or mortgage you’ve had, you’ll see how much you’ve paid each month for an extended period of time compared to how much the monthly bill totaled.

New credit tips: Re-establish your credit history if you have had problems: opening new accounts responsibly and paying them off on time will raise your credit score in the long term.

Free Training Reveals…. “Secrets To Easily Creating A Profitable Credit Repair Business WithOUT having any prior experience with credit repair!”

YOU’LL LEARN THESE 3 SECRETS:

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Judgments may be reported for up to seven years from the date the lawsuit was filed or until the governing statute of limitations has expired, whichever is longer. Most statutes of limitation are shorter than seven years, so that is the likely maximum time a judgment or lawsuit will show up on your credit report. To be sure, check your specific state laws for details.

Pay Down “Maxed Out” Cards First – If you use multiple credit cards and the amount owed on one or more is close to the credit limit, pay that one off first to bring down your credit utilization rate. Diversify Your Accounts – Your credit mix — mortgage, auto loans, student loans and credit cards — counts for 10% of your credit score. Adding another element to the current mix helps your score, as long as you make on-time payments.