How can you improve your credit score?

We've recently added a new credit coaching and user friendly credit improvement system called AVAIL. This system provides tools for credit disputes and adding tradelines as well as providing "what-if" scenarios to improve your scores.For more information on this revolutionary program, click http://www.AVAILCOACH.com/avail

Call us at (888) 856-3235 on how to get started.

Make sure that the information each of the three credit reporting bureaus has on you is consistent and up to date. Order a copy of your credit report about once a year, and dispute any inaccuracies. If timing is critical, we can perform a rapid rescore to make changes at the bureau level within 3 to 5 days instead of 30 to 45 days normal waiting time. 

Note: Theoretically, if a series of credit reports is requested on your behalf during a limited amount of time, your score goes down until time passes without any inquiries. Changes in the law though have made "consumer-originating" credit report requests not count so much. Also, a series of requests in relation to getting a mortgage or car loan is not treated the same as a number of credit card requests in a limited time. This is because the credit bureaus, and lenders, realize that people request their own credit reports to keep up with what's on them, and smart consumers shop around for the best mortgage and car loans.

Unsolicited credit card solicitations in the mail don't count against your credit report, so don't worry.

The two main components of your credit score are your payment history and the amounts you owe. Bankruptcy filings and foreclosures, which can stay on your credit report for as many as 10 years, can significantly lower your score. It's never a good idea to take on more credit than you can handle.

Late payments work against you. It's extremely important to pay bills on time, even if it's only the monthly payment.

Dont "max out" your credit lines. Since the size of the balance on your open accounts is a factor, lower balances are better.

It's said that by carefully managing your credit, it's possible to add as much as 50 points per year to your score. For more information on how to improve your score go to GETTING YOUR CREDIT REPORT