It is within your reach, with just a little effort to raise your score.  It’s not as hard as you think to raise credit score.  By raising your score, you will be in a better position to get credit cards and loans with standard rates.  In the following paragraphs, you will find the steps to take to raise your score and get these better rates from lenders and credit card issuers.

Get your credit report: You need a copy of your credit report so that you can check for any erroneous information that

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FICO is Not a Report Card

Your credit score is not a report card meant to grade you on your past payment history. Are you surprised to hear this? If you are in a credit repair program and are hoping for truly meaningful progress you should understand the true intent of the FICO scoring model; you must learn to think like the engineers that developed the algorithm.

Measuring Risk of Default

The FICO credit score is designed to measure the likelihood

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The Credit Bureaus

Many people starting a credit repair program are under the misconception that the credit bureaus are in some way connected to the government. It is easy to understand this perception. But, as influential as they are, the credit bureaus have no government blessing, charter, or otherwise. They are big business. There are three credit bureaus that count. They are Experian, Equifax, and TransUnion. They are in the business of gathering credit data about you and selling it to potential creditors.

The Fourth Contender

There is one

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