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Boost Your Credit Score

To boost your credit score score an individual can perform self credit repair. With some determination and a little patience it is possible to repair one’s credit. Financial history evaluated by the credit bureau’s can have errors. Some accounts might be listed twice. This can often happen when a collection agency reports the same account as the creditor reported. There are credit repair companies that will work with a person to make corrections on his or her financial history to help raise credit scores. An individual can request a combined score from all three credit bureaus and can request a free annual copy of one’s credit reports. The combined score usually cost a consumer a little bit of money but this cost is minimal compared to what a bad score will cost.

After receiving a combined score an individual may want to try and do some credit repair on financial history especially if the score is below 620. To boost your credit score start by highlighting any accounts that are listed more than once, any errors on personal information or accounts, and any accounts that do not appear to be yours. Get out financial records and compare your records with the credit bureau’s reports. Write a letter or fill out a dispute form on every derogatory item that is negative. Make copies of any information that can help to prove the accuracy of what is being disputed.

The credit bureaus can take up to 30 days to answer any disputes. In order to successfully boost your credit score a person may need to follow up with the bureau after 30 days if no correspondence has been received. The credit bureaus are required to send the creditor the dispute giving them the opportunity to refute the claims. If the creditor proves that the account information is correct then the item will remain on the report. However, the individual does have the right to add up to 100 words stating his or her side of the matter. If the creditor does not answer back within the allotted time period then the bureau will normally remove the item completely from the history.

Another way to boost your credit score is to pay down debts and cut back on using charge cards. Paying bills on time every month can raise scores. Not having credit cards maxed out can raise scores as well. When trying to do repair on financial history a person would have more success if he or she does not open new charge or revolving accounts. Too much credit can bring down scores. Too many new or recent inquiries can also affect scores negatively. Anytime a person applies for new credit an inquiry is listed on his or her report. Boosting your credit score is possible and can be accomplished if one is willing to make some sacrifices, live on a budget, meet obligations timely, and discontinue using credit cards.

Back to the Credit College

Important: The articles, illustrations, testimonials, and examples given in this website are in no way indicative of the actual changes you may experience by using Halo Credit Solution's Credit Repair process. In keeping with the Fair Credit Reporting Act, Halo will only dispute inaccurate, outdated, and erroneous items in your credit profile. No specific outcome is expressed, implied or promised, and your actual results may vary. Factors contributing to these variations can include new inquiries, opening new tradelines, the addition of new derogatory accounts, and fluctuating balances on existing revolving accounts. Credit Repair may not be available in all states.

Halo Credit Solutions, LLC (A wholly-owned subsidiary of Halo Group Inc.) offers a 6-month credit repair program that will help clients attempt to achieve a 100% accurate credit report with all three of the major credit bureaus. With an astonishingly low price of $199, we have set the bar in the credit repair industry for full-service credit repair, as compared to over $1,000 by some other companies. Through Halo Credit, consumers now have access to a credit repair program that does not sacrifice quality for economy, but offers the same benefits of a full-service credit repair program without the bloated price.

According to a study by the U.S. Public Interest Research Group, nearly 80% of Americans have inaccurate information on their credit reports. Halo Credit's program consists of disputing these inaccuracies, while following the rules set in place by the Credit Repair Organizations Act. Halo Credit, which has already helped thousands of clients in all 50 states, is constantly assessing its clients' needs and financial goals throughout the credit repair process. Upon completion of the program, a client has multiple opportunities to learn about other financial tools that can help them reach their life goals, including free consultations with a loan officer, a home builder, and a real estate agent. For many, Halo Credit's $199 Credit Repair program is more than just credit repair, it's a path to financial freedom.