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Discover the fastest ways to increase your credit score…

CreditPro Studio
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#1 Request Your Credit Report

First thing, click here to request and monitor

your Credit Report from each of the three big
nationwide credit reporting companies:

• Equifax
• Experian
• TransUnion

By law, you’re entitled to one free report every 12

months. You can receive a free copy of your
Credit Report from annualcreditreport.com -
but when repairing your credit, you will need to
still purchase a credit monitoring service to
check your credit as you remove negative
accounts that’s bringing down your credit
scores. When you request your credit report, be
ready to print it or save it to your computer.
Once you have the report, examine everything.

In particular, look for any credit accounts that

show late payments, collections, or and negative
accounts. These type of credit accounts brings
down your credit scores, so you have to dispute
these with Credit Bureaus.

#2. Clean Up Your Credit Report

Keeping a clean credit report isn’t only

important for your credit score. It can also a ect
your job prospects. Some employers pull credit
reports before making hiring decisions. It is
important to clean up your credit report.

To be clear, cleaning up your credit report

means removing Derogatory Marks ( Late
Payments, Collections, Medical Collections,
Student Loans that are unpaid ) from your credit
report.

~ Credit Counseling: One way to clean up your

credit report of negative items is to hire a credit
counseling company. It is best to work with a
credit repair company that repairs scores and
consults with you on how to manage credit.

~ Credit Repair Kit: The BEST way to clean your

credit report, is to repair your own credit with a
Credit Repair Kit, that includes specialized
letters usually written with legal terminolo y
recognizable by Credit Bureaus.

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#3. Build Credit, Add Credit Lines

Building your credit score with new credit lines

that are in very good standing is the next step
after cleaning your credit report.

~ Short Term (Build Credit In Weeks): The fastest

way to build your credit, after you have cleaned
your credit report is to become an Authorized
User on someone else’s credit card account. You
can request a family member, or friend with
excellent credit, or you can purchase Authorized
User Tradelines from a company.

~ Long Term (Build Credit In Months): Credit

lines should be added to your credit report as a
revolving credit (secured credit card), you simply
add money to the unsecured credit card every
month, after several months you can graduate to
attaining an unsecured line of credit.

Another way of building credit is with loans or

installment credit (rental credit), this involves
paying your rent on time and having those rental
payments be reported onto your credit report.

***The combination of a secured credit card

and rental payment reporting on your credit
report will raise your credit scores and qualify
you in months for traditional lending such as,
unsecured lines of credit and installment loans.

 #4. Avoid New Credit Applications

As long as you’re in credit repair mode, avoid

making any new applications for credit.

When you do apply for new credit, the lender

will often performs a “hard inquiry,” which is a
review of your credit that shows up on your
credit report and lowers your credit score.

How many credit accounts you recently opened

and the number of hard inquiries you incurred
both re ect your level of risk as a borrower, so
they make up 10% of your credit score.

Opening many accounts over a relatively short

period can be a red ag to lenders that a
borrower is in dire nancial straits, so it can
further decrease your score.
In contrast, having few or no recently opened
accounts indicates nancial stability, which can
boost your credit score.

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 #5. Leave Accounts Open

It’s rare that closing a credit card will improve

your credit score. At the very least, before you
close an account, ensure that it won’t negatively
a ect your credit.

You might be tempted to close credit card

accounts that have become delinquent (past
due), but the outstanding amount due will still
show up on your credit report until you pay it
o . It’s best to leave the account open and pay it
down every month, on time.

Credit history length factors in the age of your

oldest account and most recent account as well
as the average age of all accounts.

In general, the longer you keep accounts open,

the more your credit score will increase.

Credit Repair can be very confusing if you dont

know what you are doing.

If you need help, ask someone who has

excellent credit to give you advice, or download
a credit repair kit.
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A Credit Repair Kit will provide you with step-

by-step credit repair instructions and legal credit
documents that can be used at home, to clean
your credit report, and raise credit scores to the
700’s to 800’s.

 #6. Get Professional Help

If you are overwhelmed by your credit situation

or monthly expenses, you live paycheck to
paycheck, or are confronting bankruptcy…

Consumer Credit Counseling agencies are

available to assist you. Of course, the key is to
nd a reputable one.

But the best option is to repair your own

credit, so that you can understand the process
of raising your credit scores, and to have credit
knowledge for yourself is most valuable.

Your credit scores stays with you all your life, so

its best to have this knowledge for yourself.

CreditPro Studio o ers a Credit Repair Kit for

download with very easy step-by-step
instructions to follow, you can use the kit to raise
your credit scores in a few months.
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 #7. Be Patient And Persistent

Patience isn’t a factor that’s used to calculate

your credit score, but it’s something you need to
have while you’re repairing your credit.

Your credit wasn’t damaged overnight, so don’t

expect it to improve in that amount of time, you
must be patient to see results.

You can improve your credit on your own which

can take two years or more depending on skill,
or you can purchase a Credit Repair Kit that will
give you results in a few months depending on
the dedication you give to follow step-by-step
instructions provided inside the kit.

Additionally, it is important to continue

monitoring your credit, keeping your spending
in check, and paying your debts on time each
month, and over time you will see a boost in
your credit scores.

In summary, you must dedicate yourself to

raising your credit scores with action steps, and
be patient because credit repair takes months

with professional help or years when you

tackle it alone.

So again, here are your action steps to raise

your credit scores:

1. Request & Monitor your Credit Report

2. Clean Up Your Credit Report

3. Avoid New Credit Applications (while

cleaning your credit report )

4. Build Credit, Add Credit Lines

5. Leave Accounts Open

6. Get Professional Help

7. Be Patient And Persistent

 About the Author

CreditPro Studio o ers nance education and

credit counseling services. CreditPro Studio’s
credit products and services help clients that are
credit-challenged and need to apply for a
mortgage or car. We also help clients that are
victims of identity theft; and clients that need
help removing bankruptcy or foreclosure from
their credit reports. CreditPro Studio helps
Clients raise credit scores in months!

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