How To repair prestige Score Issues - Undo The Damage And Get Dramatic Score Increases

Are you going crazy trying to shape out how to fix credit score problems and get fast, dramatic results? Have you been embarrassed by a credit turn down due to low credit scores and negatives on your report? You had enough of it all and ready to undo the damage and fix your credit facts now?

If you want dramatic results and you are ready now, then you need to focus on the issues that are doing the most damage to your score first. Take down the most damaging issues first and see dramatic increases in your credit score.

Damage History

• The first thing you need to do is get a free copy of your credit narrative from the bureaus. You are entitled to one per year and it is how to fix credit score narrative issues using the right information.
• Identify and generate a list of all questionable and negatives on your report.
• Identify the type of each questionable and negative item. See list below.
• Next, rank the items from most damaging to your score to least damaging using the list below.

Here is a list of negative issues that you'll find on the report. They are listed with the most damaging issue shown first:

1. Bankruptcy is the most damaging.
2. Foreclosure is the second most damaging.
3. Repossession is fairly high as well.
4. A loan default falls in the middle believe it or not.
5. So do court judgments.
6. Collections are low to medium issues.
7. As are past due payments.
8. Late Payments are as well.
9. Credit Rejections are very low.
10. Credit Inquiries are only minimally damaging and only if have too many in the last 12 months.

When you rank the negatives, make sure to do the ranking for each one of the credit bureau listings. Many times they do not have the same information. They can have double facts on the same report. Learning how to fix credit score data starts with ranking. Next you dispute the negatives that have any incorrect facts or double facts if you have proof that it is wrong. Write to each bureau, providing proof as to why the facts they have is wrong.

Here's a little bonus you can use, thanks to the new laws passed in the Fair credit Reporting Act. The original creditor that listed the negative on your credit bureau is now required to wise up you of any negative facts before listing it on your credit report. If they didn't, they are required to take off it per the new law. This is how to fix credit score facts starting with the most damaging.

How To repair prestige Score Issues - Undo The Damage And Get Dramatic Score Increases

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