Matthew-HTDI
New Member
- 19
I couldn't help but comment on this post....
1. Inquiries fall off after 2 yrs, but only affect your score (smallest portion) for up to 6 months.
2. Adding tradelines is an extinct practice. The Bureaus began adjusting their algorithms in September 07' first with TU and the others are following suit come June of this year.
3. It is correct that keeping your TOTAL credit balances below 30% of your TOTAL availalbe credit is a great help. Opening up more credit cards is not going to boost your score or counter the amount of credit debt you have. Account history is a big part of that, so opening up more credit + adding the inquiries is a big sign of financial hardship and will lower your score.
Lastly, JE if you are still subscribed to this, your situation is very similar to our average client. In just the first 45 days of service, our clients average over 46% fix/deletions, we have removed every type of negative item. If this is something you are in need of contact me for all the info.
Everybody else, as you know, credit scores are a factor in almost everything these days. Give your clients the option of cleaning up their credit and earn $50 for every client that enrolls! We'll give you your own lead capture page, and back office login to track your clients and commission. Contact me for all the information. Thank you,
1. Inquiries fall off after 2 yrs, but only affect your score (smallest portion) for up to 6 months.
2. Adding tradelines is an extinct practice. The Bureaus began adjusting their algorithms in September 07' first with TU and the others are following suit come June of this year.
3. It is correct that keeping your TOTAL credit balances below 30% of your TOTAL availalbe credit is a great help. Opening up more credit cards is not going to boost your score or counter the amount of credit debt you have. Account history is a big part of that, so opening up more credit + adding the inquiries is a big sign of financial hardship and will lower your score.
Lastly, JE if you are still subscribed to this, your situation is very similar to our average client. In just the first 45 days of service, our clients average over 46% fix/deletions, we have removed every type of negative item. If this is something you are in need of contact me for all the info.
Everybody else, as you know, credit scores are a factor in almost everything these days. Give your clients the option of cleaning up their credit and earn $50 for every client that enrolls! We'll give you your own lead capture page, and back office login to track your clients and commission. Contact me for all the information. Thank you,
