www.boiseidaho-realestate.com 05-11-12 Update It’s come to our attention that optoutprescreen has updated their FAQ page to include this: www.optoutprescreen.com – We originally had stated this would improve your credit score after working with a local credit repair company who claimed to see 5-50 points improvement for doing so. Were sorry for any inconvenience but hopefully you’ve still enjoyed not receiving any junk mail! Thanks. This is an informational video that gives you three simple tips that can help you improve your credit score immediately. The website to stop receiving junk mail is www.optoutprescreen.com. Your credit score results may vary depending on your specific situation and it can take up to a month for certain items to reflect in your credit score. These credit score improving tips can give different results for every person. For more specific information, head to www.ownboise.com and contact Chase Craig. Subscribe for future videos on similar topics. I will also have a follow up video on other more in depth ways that you can improve your credit score.
Video Rating: 4 / 5
Great video!
I just wanted to share that I went through Lexington Law and they did wonders for my credit score. It wasn’t free, but it was certainly worth it.
yah, seriously
Nice tips…
Check us out at Wefixbadcredit(.)org
Check
/watch?v=-cA14bFSQvw
Sooo… basically this should be renamed, “How to improve your credit score in 2 easy steps”?
Nice tips…
It’s good to pay the full balance off or pay twice a month (once for the paper bill and once online), that way you are going to keep it under 30%. The limits can be very low such as $200 to $500, so just charging a little can make the limit go to over 30%.
FICO score should be used as a tool for creditors. If someone is one SSDI which means they can still work PT and are on disability, they have managed their credit well and have no lates or collection accounts. If they consistently pay their bills that would be a positive factor, if they’re asking way too much for a loan (for example) they may get denied.
You’ll get a small ding from the hard credit check from credit card #2. It could have a positive advantage if it raises your available credit. If you’re paying in full each month the better. Search “what goes into my FICO score?” on Google and the FICO website comes up with the breakdown of what goes into your score.
Is it really true that optoutprescreen raises your credit scores? I’ve heard yes and no from regular ppl as well as a mortgage originator and credit experts. I knew about the 2 other steps but I’m skeptical about step 1.
heard that if you have a master card, and get another offer for a master card and get it it want afffect your credit will it?
FICO score is misleading.
It does not matter what you income is you can be on SSDI and have a 780 score
That’s actually a great question…While no one knows exactly what goes into the credit bureaus “secret formula” for determining credit worthiness, the tips listed in this video are what we’ve had clients do in the past to improve their credit.
With that said, we’ve found that so long as you keep your balance UNDER 30% (meaning you can pay it off in full) it should improve your credit score. The act of getting a secured credit card also helps to improve credit. Hope that helps!
Question, when you open up the secured credit card do you have to pay the entire balance in full each month or should i keep my balance at 30%?
Ive also used the optout site. Thanks
Thanks for the info
Good stuff
Good Info thx