My name is Rose Jones business women and entrepreneur with a back ground in mortgages.
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This maybe a heart break dead ahead, if you think that you can go from a 300-700 credit score in 30 days your in for a shock. Yes you can raise your scores, legally and its still going to take some time. I have been seeing the SCAMS on the internet in regards to this and its a scam to get your money.
I shop companies to see what they are peddling and these are some of the items I have found as of today.
1.The pyramid scam: You are told you can make a certain amount of income if you fix your credit and as well recruit others getting a piece of the pie. To sign up its about $400.00. You send them the templates and its up to the person to fill them out and mail them.
2. My ID was stolen so the debt is not mine:, did you know that you need to file a police report or would have at the time. Trying to do this at a later date is suicidal, most of the time its because the debt can be aged and most of all most of the time you have made payment after the fact.
3. Been told to get another ID and Social Security number:, this is FRAUD straight up..jail time. This is an illegal move and it will only let you apply for small pieces of credit, I have seen them and the people who are doing time.
Let's do it right, look at your report go over everything to make sure all is correct, yes you can remove items legally in a lot of ways and you can do it yourself. If its to much for you I can assist you. I offer a one time free consultation and will answer questions, call 702 444-0345.
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Are you watching the housing market? were you at one point looking to purchase a home? Well I know a lot of you wish you had done it earlier, but all is not lost, there's still a chance.
There are some things that you need to accomplish to put yourself into a positive position meaning cleaning up your credit.
Pull your report and go over it with a fine tooth comb as they say.
1. Names need to be corrected that are not yours or misspelled
2. Remove old addresses
3. Remove Inquiries that are not yours
4. Remove old phone numbers
Why your asking? When you have multiple names there could be a mistake or someone trying to commit fraud under your name. Address can be touchy because if they are connected to a mortgage and it was paid on time, that's history don't touch it.
Inquires you can fight off, if you were lied to in regards to maybe trying to get a credit card and the furnisher told you it was a soft pull, there is a difference between hard pull and soft pulls.
Remove old phone numbers, it makes you look unstable when you have lots of them over a short period of time. If you move a lot its the same with addresses, would you loan someone money if they moved every 6 months to a year?. You need to think like a lender, so start now its not to late, if I'm right you need to be ready for a housing melt down.