Chandigarh, India (PressExposure) November 23, 2009 -- Let us admit it. Whenever we go out to buy anything expensive like a new car or a new house we are faced with moneylenders asking us for our credit score. That is because it is well impossible for us to give a cash down payment for a car or a house. That is the reason why we need to take out a loan. On the other hand a banker is not going to give us a loan if we have a bad credit score. And how did we get that bad credit score? We defaulted on a number of previous loan payments. Well that is that Dead end? Well not quite.
What one have to do is go about systematically to get a raised credit score on credit score scale. There are plenty of Credit repair secrets which can help raise your credit score. Once you're FICO or credit rating is raised you will immediately be bumped up into the good client category. That is a step forward Instead of being in the bad potential risk category. So here are some really good and effective Credit repair secrets which can help to raise your credit score on credit score scale.
There are 3 credit score statement making bureaus. You need to get your credit score report from all the 3 bureaus. You are going to see a vast difference between the credit score statements. You need to check and recheck the statements for any sort of negative listings. That can only be done if you know exactly how you have spent your money.
Negative listings on credit score scale are one of the major factors which are going to lower your score on Credit score scale. That means late payments, collections, defaulting on payments and other negative points. You have to look for best credit repair secrets to raise your credit score and on any sort of loan or listings which are not yours. Some credit cards may already have been paid off but have not been reported. You might want to see if your ex-partner's negative listings are showing up in your credit rating statement. These common mistakes and errors need to be rectified immediately.
Now we come to really effective Credit repair secrets which are going to bump up your credit rating to about 20 points on credit score scale. Start paying off all the overdue debts on your credit cards. Now just imagine you have a credit card balance of due payments seeming to be about 50% on one particular credit card. Reduce that balance by paying off the overdue amount from a bank balance as soon as possible. Shift the balance to another credit card making sure that the balance of overdue payments does not go above 50%.