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Raise Your Credit Score

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image 8
How to Raise Your
Credit Score Fast
Mask Group
In this economy, it is more important than ever to have a high credit score. A good credit
score helps you get approved for a loan, get a better interest rate on a loan, and could even save you
money on your car insurance. But if your credit score is not as high as you would like, don’t worry –
you can raise your credit score fast!
Get to Know Your Credit
The first thing you’ll want to do is to get a copy of your credit report. You can get a free
copy of your credit report from AnnualCreditReport.com. This website is authorized by the government to
provide free copies of your credit report once every 12 months.
What to do About Credit Errors?
Next, you’ll want to check for
errors in your credit report. Check the entire report looking for name, address, and contact information
mistakes. If you find errors, you need to dispute them through the credit report showing the error. The
addresses to mail dispute letters to Experian, Equifax, and Transunion are here.

In your dispute letter, ask the credit bureau to remove or correct the inaccurate or incomplete
information. Explain clearly what needs to be changed. Make sure you have copies of each letter and send
the letter certified mail for tracking that it was received.The credit bureau has 30 days to respond to your request. Once they complete their investigation,
they must give you the results in writing.

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Removing Closed Accounts from Your Credit Report
Many people think that a closed credit account will automatically be dropped from a credit
report. Credit bureaus only remove information from a credit report if it’s outdated, inaccurate, or if
a creditor agrees to remove it.
Some closed credit accounts can hurt your credit. If an account is closed and paid off but
has delinquent payments or a charge-off, you can write a goodwill letter to the creditor and ask the
account to be removed. Creditors do not have to honor your request, but there have been cases when a
company is kind enough to do so after a paid balance.
There is also an option for credit accounts that are closed but have a balance. In these
cases, you can send a pay-for-delete letter, which is an offer to pay the balance in full in exchange
for removing the account from the credit report. Again, the creditor does not have to comply, but,
often, they will consider the exchange for a full payment.
The last option is to simply wait. Most items on a person’s credit report drop off after
seven years. If a negative account is still on your report after the seven-year mark, you can try to
dispute the account and have it removed.
Hire a Credit Repair Company
Credit repair companies often have a
negative reputation because of fraudulent companies in the past taking advantage of already-struggling
consumers. The Ascent Network is different. Ascent is a nonprofit organization with a mission to
provide clients with access to resources and services designed to assist individuals in improving their
creditworthiness and financial position. You can find the Ascent Network Bill of Rights here. Ascent Network is a member of the SecureTrust Trusted Commerce program. They provide services for
credit repair, credit score improvement, debt settlement and negotiation, foreclosure prevention, and
educational loan negotiation.

image 11
Financial Improvement is
Just Around the Corner
A more positive outlook toward a more financially secure future starts today. Give the Ascent
Network a call today at 1-877-871-2400. Ascent Network helps consumers all over the United States and is
available locally in Huntington Beach, CA, Coachella Valley, Palm Springs, Cathedral City, Rancho
Mirage, Palm Desert, Desert Hot Springs, Indian Wells, La Quinta, Indio, and Thousand Palms.

Raise Your Credit Score

austin-distel-744oGeqpxPQ-unsplash 1
image 8
How to Raise Your
Credit Score Fast
Mask Group
In this economy, it is more important than ever to have a high credit score. A good credit
score helps you get approved for a loan, get a better interest rate on a loan, and could even save you
money on your car insurance. But if your credit score is not as high as you would like, don’t worry –
you can raise your credit score fast!
Get to Know Your Credit
The first thing you’ll want to do is to get a copy of your credit report. You can get a free
copy of your credit report from AnnualCreditReport.com. This website is authorized by the government to
provide free copies of your credit report once every 12 months.
What to do About Credit Errors?
Next, you’ll want to check for
errors in your credit report. Check the entire report looking for name, address, and contact information
mistakes. If you find errors, you need to dispute them through the credit report showing the error. The
addresses to mail dispute letters to Experian, Equifax, and Transunion are here.

In your dispute letter, ask the credit bureau to remove or correct the inaccurate or incomplete
information. Explain clearly what needs to be changed. Make sure you have copies of each letter and send
the letter certified mail for tracking that it was received.The credit bureau has 30 days to respond to your request. Once they complete their investigation,
they must give you the results in writing.

image 10
Removing Closed Accounts from Your Credit Report
Many people think that a closed credit account will automatically be dropped from a credit
report. Credit bureaus only remove information from a credit report if it’s outdated, inaccurate, or if
a creditor agrees to remove it.
Some closed credit accounts can hurt your credit. If an account is closed and paid off but
has delinquent payments or a charge-off, you can write a goodwill letter to the creditor and ask the
account to be removed. Creditors do not have to honor your request, but there have been cases when a
company is kind enough to do so after a paid balance.
There is also an option for credit accounts that are closed but have a balance. In these
cases, you can send a pay-for-delete letter, which is an offer to pay the balance in full in exchange
for removing the account from the credit report. Again, the creditor does not have to comply, but,
often, they will consider the exchange for a full payment.
The last option is to simply wait. Most items on a person’s credit report drop off after
seven years. If a negative account is still on your report after the seven-year mark, you can try to
dispute the account and have it removed.
Hire a Credit Repair Company
Credit repair companies often have a
negative reputation because of fraudulent companies in the past taking advantage of already-struggling
consumers. The Ascent Network is different. Ascent is a nonprofit organization with a mission to
provide clients with access to resources and services designed to assist individuals in improving their
creditworthiness and financial position. You can find the Ascent Network Bill of Rights here. Ascent Network is a member of the SecureTrust Trusted Commerce program. They provide services for
credit repair, credit score improvement, debt settlement and negotiation, foreclosure prevention, and
educational loan negotiation.

image 11
Financial Improvement is
Just Around the Corner
A more positive outlook toward a more financially secure future starts today. Give the Ascent
Network a call today at 1-877-871-2400. Ascent Network helps consumers all over the United States and is
available locally in Huntington Beach, CA, Coachella Valley, Palm Springs, Cathedral City, Rancho
Mirage, Palm Desert, Desert Hot Springs, Indian Wells, La Quinta, Indio, and Thousand Palms.

WE COMMUNICATE WITH ALL THREE CREDIT BUREAUS FOR YOU:

CREDIT RESTORATION & MYTHS EXPLAINED

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