Raise Credit Score
Congratulations on saving thousands of dollars in soaring interest and ungodly credit card fees. The debt monkey is off your back and you are no longer a slave to credit card debt. Take a deep breath, you deserve all the accolades available for standing up for yourself and telling credit card companies to go to hell. But now what?
You no longer have to make payments that basically take you nowhere, but your credit report scores have taken a hit. What do you do? How do you raise your credit scores and how do you restore credit so you can function once again? Relax, the worst part is over if you stick with your promise to stop charging for crap you do not need!
If you've successfully negotiated with your creditcard company for creditcard forgiveness, you'll need to start to rebuild your credit report score. There are creditcard repair services out there that offer to do this for you, but in my experience they are shams. If they promise to remove derogatory credit from your accounts which is basically factual information, how does this work? Read the posts for credit repair and you'll discover that all they do is inundate the credit reporting agencies with requests to investigate these so called "errors".
If the credit reporting agency deems these continuous requests to be frivolous, they can refuse the request and the errors will stand. But, let's say the account in question cannot be verified, it must be removed. This does happen. Sometimes these "errors" are removed because they can't be verified, but what happens when they finally do become verified? Do they come back on the report? I've had readers tell me this is the long, sad truth of trying to repair credit in this manner.
I think there is a better way to raise credit scores and I've personally used the AVAIL Credit Coach to raise my credit report scores over 200 points in 90 days.
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