How To Clean Up Your Credit Score: 3 Tips for Your Credit Success

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Are you tired of experiencing the negative results of living with a low credit score?  Are you sick of being hounded by collecting agencies or missing out on new opportunities because you can’t qualify for a loan?  Repairing your credit score might seem like an overwhelming obstacle to face, but getting started on your path to a positive score is easier than you might think.  You could soon be experiencing the relief and peace of mind that comes from achieving a positive credit score.  So if you want know how to clean up your credit score, here’s a few helpful tips.

Work on Your Credit Utility

Your credit utility is a large factor in how your credit score is determined, which makes it an important area to target in any approach to serious, comprehensive credit repair.  Credit Utility is a term that simply represents how much credit you are using compared to how much credit is available to you.  If you have high credit limits, for instance, but also have a large amount of outstanding debt, your credit utility will be worse than if you had lower credit limits with little or no debt.  This means that if you want to know how to clean up your credit score through maximizing your credit utility, you will want to pay down your debt while also trying to find new ways of opening new credit.  This means that, while it may seem counter-intuitive to somebody trying to eliminate their debt, it’s better to keep your credit cards open after paying them off, and it will be worthwhile to extend your credit limit if at all possible, as long as you don’t also increase your spending.  This is a two-pronged strategy that can bring substantial results in the long run, and it also brings us to our next tip:

Stay Current on Payments

This is the most basic way to clean up your credit score, so we won’t spend a lot of time on it.  As much as one third of your credit score is determined by your payment history, which includes late payments and overdue accounts.  If you want to save yourself from incurring substantial damage to your credit, try to always make at least the minimum payments on all your outstanding debts.  Simply put, try not to keep debt on too many different lines of credit and always pay on-time.

Credit Repair

If you really want to know how to clean up your credit score, it’s time to contact the credit repair experts.  Having an experienced company help get your credit repaired is the quickest way to get substantial results on improving your score.  Your credit report is generated by one of the three credit bureaus, Equifax, TransUnion, or Experian, and a large majority of credit reports contain errors or inaccuracies.  Under the Fair Credit Reporting Act, you have the legal right to dispute these errors with the bureaus, which can result in the removal of negative items from your report, including late payments, tax liens, repossessions, foreclosures, and other potentially damaging items.  The Credit Gal, Darbe Nokes, has had years of success in helping clients improve their scores through credit repair.  Her company has disputed hundreds of thousands of negative items to the credit bureaus, resulting in nearly 700,000 items removed from clients’ reports.  If you’re serious about cleaning up your credit score, then it’s time to call the Credit Gal and repair your credit today!  Call now for a free consultation with the credit professionals: 877-717-0213

Credit Repair Specialists

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Getting your credit restored is the easiest choice you will ever make for getting your financial well-being back on track.  A low credit score can severely limit your options for what home you will live in, the loans and credit cards you can receive, what kind of insurance coverage you will afford, and even for which jobs you will be eligible.  That’s why having a positive credit score is so important, and getting qualified credit repair specialists on your side is as simple as making a phone call.

I’m Darbe Nokes, the Credit Gal and a credit repair specialist and I would love to have the opportunity to discuss your financial future with you.  For the last decade, my company has helped educate countless clients in order to form proactive strategies that achieve and then maintain positive credit.  It’s important to us that you not only repair your current credit, but that you are also equipped and ready to continue achieving success in the future, and it all starts with a FREE credit consultation.  Call today and find out why we have a reputation for getting results.

Proven Success From Credit Repair Specialists

After your credit consultation and analysis, our team of credit repair specialists will identify and help you remove inaccurate or erroneous items from your credit report, including late payments, liens, and even bankruptcies.  We have a proven track record with hundreds of thousands of items removed or updated on clients’ reports.  With something as important as your credit, you want to make sure you have the experts on your side, and that’s why we let our experience speak for itself through the success stories of our many satisfied past enrollees.  If you’re serious about your credit, then you won’t want anything less than the best credit repair specialists, so check out a few of our client’s firsthand accounts of a program that really works.

Part of what drives our success is our dedication to a comprehensive approach that ensures your continued good credit.  That’s why enrollees are eligible for the positive credit builder program that teaches you the different aspects of your credit report: how your score was determined, which factors are more influential than others, and how you can change your practices to guarantee a healthier score even after you leave the program.  This detailed approach from our credit repair specialists truly sets us apart from other credit repair companies and ensures that you have what it takes for continued success.

Act Now

Did you know that the cost of living under bad credit can add up to $200,000 or more over the course of your life?  With that kind of money at stake, why waste another minute of suffering under bad credit?  Call today for your free consultation and begin a better future for you and your family today!

Professional Credit Restoration Services

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Getting your credit restored is an important decision that will have a huge impact on your finances both now and in the years to come.  Getting an improved credit score can save you thousands of dollars on lower interest rates, insurance premiums, and mortgage payments.  And along with those lower rates comes added financial opportunity in the form of new loans and credit lines.  Considering how much is riding on your credit score, you want to make certain that you get the best results possible, and that’s why you need to hire professional credit restoration services.

You wouldn’t leave your broken car with an untrusted mechanic, so why would you entrust your financial well being with anyone but the best?  Darbe Nokes, The Credit Gal, and our team of credit specialists have been working to improve credit scores for years.  In the past decade, our company has helped remove nearly 700,000 erroneous negative items from clients’ credit reports.  We have the experience and expertise that comes from being a company that specializes in professional credit restoration services, and we want to partner with you to use those tools and maximize your credit potential.

Most credit reports contain information that is outdated or in error, but it’s not always easy to navigate your way through a credit report or to know which items can potentially be removed.  That’s why it pays to get professional help and have the experts examine your report for you.  Our team has the training and the history of success that guarantees the best results, they know exactly what they are looking for and how to help you remove those negative items.  A knowledgeable team can result in the removal of entries that are bringing your score down, such as late payments, liens, collections, foreclosures and bankruptcies.  Don’t allow inaccurate or outdated information ruin your credit any longer, it’s time to let the professionals help.

There are many companies out there who claim to offer professional credit restoration services, but they are often big on promises and small on actually delivering results.  With all the ineffectual services out there, you need to make sure you’re getting the real experts who can bring about change.  That’s why we’re proud of our testimonies and success stories that reveal a proven track record, not to mention an ‘A’ rating with the Better Business Bureau.  Our program has helped countless clients improve their scores and establish practices that bring about lasting benefits with a credit building plan that will continue to help you for years to come.  With an established record and reputation, you can rest assured that your improved financial success is just one phone call away.

So why not get started right now with the proven professional credit restoration services on your side.  You can call this moment to get a free consultation and learn how close you are to a brighter financial future.  Don’t lose another dollar to unnecessary high rates or get turned down for another important loan, call Darbe Nokes and restore your score today!

 

4 Startling Credit Facts You Might Not Be Aware Of

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1) Did you know that more than half of prospective employers will pull your credit score as part of the hiring process?  In a recent poll, 60% of employers said that they considered the credit scores of applicants as a factor in who they ended up hiring.  If you’re among the many Americans who have a score under 740, your employment opportunities could be seriously limited by poor credit.  But the good news is that it’s not too late to repair your credit score and be fully prepared for future opportunities.  We can equip you to have the best chances for the job of your dreams as well as provide the education to be able to save money every month on high interest rates and other credit-related expenses.  If you’re dissatisfied with your credit score, call Darbe Nokes, the Credit Gal.  Worried about the effect your credit score is going to have on your next interview?  Let’s talk!

2) Did you know that in some states, a low credit score can have you paying thousands of extra dollars in car or health insurance premiums? According to recent studies, a low credit score could be responsible for as much as a 143% increase on the cost of your car insurance. If your score is not where it should be, you may be paying twice the amount you need to for good coverage, or even more!  If you’re paying too much for insurance, we can give you the solution you need to bring those premiums down and start saving today.  Are your premiums too high because of a poor credit score? Let’s talk!

3) Did you know that your credit score could be standing in the way of purchasing or even renting a new home or car? Every year, thousands are turned down for home or car loans based on their poor credit scores. Even qualifying for an FHA loan is difficult with a below-average score.  And for those who are able to secure a loan, many are being forced into foreclosure or short-sales because they can’t afford the costly mortgage payments. These are serious events that will even further damage your credit score and keep you from future success. We have the solution you need to not only help land the home or car you want, but to also help keep those payments down to a reasonable level.  Have poor credit but need a loan?  The Credit Gal can help, let’s talk!

4) Did you know that a low credit score can even affect your chances of getting a student loan or grant for your child’s college expenses?There’s nothing more important than your child’s success, and finances can be a huge obstacle in keeping them from the educational experience they deserve. The cost of college is at an all-time high and rising every year, and you need all the help you can get to secure your child’s future. If you’re worried that your low credit might limit the financial aid you and your child can qualify for, the Credit Gal can help.  Let’s talk!

 

Win A Spot In The Credit Gal’s Credit Restoration Program!

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To Enter The Contest Please Use The Rafflecopter Widget Below!

Darbe Nokes, the Credit Gal, is giving away a free spot in her Credit Restoration program to one lucky winner (a $499 value.) Having a good credit score is more important than ever, with more and more of your financial success depending on it! Even if you have great credit and don’t need credit restoration but have a loved one/friend who has less than perfect credit you can still enter the contest and win it for them.

 

Why Credit Restoration is Essential:

  • Bad Credit Is Costing You Thousands Of Dollars! – If you have bad credit, it can cost you $200,000 or more over your lifetime!  Even if your credit is “okay,” higher insurance premiums and interest rates are an unnecessary drain on your wallet.
  • More Than Half Of Recently Asked Employers Used Credit History As A Hiring Factor – Is a low credit score keeping you from getting that high-paying new job?  Make an impression with your new score on your next interview!
  • Get The Home Or Car Of Your Dreams – A higher credit score means better loans and better interest rates; don’t let the past get in the way of your better future!

You don’t need to suffer from a bad credit score any longer!  Darbe Nokes has a proven, 10-year track record with credit education and restoration.  Her company has helped thousands of clients improve their credit scores and find new financial freedom through her satisfaction-back guaranteed program, and now she wants to give you the opportunity to win a chance to enroll in her Credit Restoration program for free!

You could be saving up to $1,000 per month on your 30-year mortgage loan, or finding that new insurance plan at half the premium.  You’ve got nothing to lose and plenty to gain; save thousands of dollars in the years to come, let us help you restore your credit and get more money in your pocket today!

To Enter The Contest Please Use The Rafflecopter Widget Below!

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