{"product_id":"2940015708837","title":"Credit Score Magic: How I Raised My Credit Score 165 Points in 3 Months","description":"The Shocking True Story of Raising Credit Score 165 Points in 3 Months and Saving $1,000 In Interest! Did you know at least 95% of those Fix-Your-Credit-Score companies actually use computerized systems to contest items on your credit score? \u003cbr\u003e\u003cbr\u003eNow learn about an amazing company where an actual person reviews your credit report and personally sends out letters contesting the errors on your report. The name of the company is called Credit Bureau Experts and they get results, plain and simple. What is cool is that this company guarantees their results or you get your money back, they do all the dirty work for you, you are assigned a rep you can contact at any time with questionsand they will even give you a free credit analysis before you sign-up.\u003cbr\u003e\u003cbr\u003e\u003cbr\u003eFirst off I’d like to say I am not a lawyer and this is by no means legal advice. Before implementing the ideas in this report consult with a qualified attorney. This is simply my story on the tactics I used to legally and ethically raise my credit score. \u003cbr\u003eFirst off, I think it’s important to discuss why I wrote this report. Back in January 2006 is I was to close on my very first house. What a nerve racking time it was for me, inspections, appraisals, mortgage approvals, attorneys, it was a bit overwhelming.\u003cbr\u003eThe part that got me the most was my mortgage company really divulging deep into my life. They wanted to know everything it seemed. Things like:\u003cbr\u003e• The exact address (with proof) of where I have lived the past 2 years\u003cbr\u003e• Where I have worked the past 2 years and how I long I have been in that line of work\u003cbr\u003e• How much money in my savings account, checking, stocks, ira’s\u003cbr\u003e• Names and phone numbers of people I know for references\u003cbr\u003e• Why I was late on a few payments 5 years ago\u003cbr\u003eThe list really goes on and on. What really got my was just 2 days before I was suppose to close my mortgage broker called me and said my loan was about to fall through because the bank thought I lied to them about my housing history.\u003cbr\u003eTurned out I gave the name of my landlord (who I thought was the owner) to the mortgage company as the owner of this house I was renting. The mortgage company checked, saw the landlord wasn’t the owner, thought I was pulling a fast one, and demanded an explanation from me.\u003cbr\u003eThey thought I was trying to trick them by giving them my landlords’ name, because of course the landlord verified how long I had lived there and housing history is important when getting a mortgage. \u003cbr\u003eThe house I lived in was in Virginia, and the actual owner of the house was in California. Turns out the owner was in the military and his buddy was playing landlord back home till he got back. Anyway, after a few phone calls I got in touch with the owner, had him fax over a document to the bank, and it was all settled and I closed on the house with no problems.\u003cbr\u003eMy mortgage was a sub-prime mortgage with a rate nearing 8%. That’s high! I had some late payments a few years back when I was in college and repossession. So needless to say I was lucky to get this mortgage and I had a massive monthly payments.\u003cbr\u003eThe whole experience made me realize how important finances are and how important paying your bills are and to not live beyond your means. I’m not sure I know many people that don’t have a large amount of debt, and it’s sad.\u003cbr\u003eI’m not talking about debt like a house and college loans, those are good debts. I’m talking about fancy cars, stereo systems, 50 inch plasma TV’s, designer clothes… ALL bought on credit!\u003cbr\u003eIt’s just the mindset many people have these days, bigger is better. I’m sure we all know that 18 year old kid bagging groceries at the local super market who somehow manages to drive around a brand new BMW. So many people don’t understand the dangers of this type of spending; it can ruin us for years, 7 years to be exact. That’s how long it takes for a negative item to be removed from our credit report.\u003cbr\u003eMy goal in this report is to instill by repetition the importance of spending wisely and paying your bills on time and of course some tactics and techniques I used to raise my credit score.\u003cbr\u003eWhy is it important to have a high credit score? Well, over your lifetime having a high score will save you thousands, and probably hundreds of thousands of dollars. Your score will directly impact what interest rate you get when you apply for a store credit card, a car loan, credit card, and the big one… a mortgage.\u003cbr\u003eBefore we begin, here are some things you absolutely must do to optimize this process and how much of each item affects your credit score:\u003cbr\u003e• Payment history is 35% - Pay your bills on time every month. Even if you have to borrow it, pay your bills!  Missing payments is an absolute killer!\u003cbr\u003e• Debt level is 30% - Don’t take","brand":"99 \u0026cent; eStore, save a lot more","offers":[{"title":"Default Title","offer_id":47147889262832,"sku":"2940015708837","price":0.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0737\/7593\/9824\/files\/2940015708837_p0.jpg?v=1763623122","url":"https:\/\/shop-qa.barnesandnoble.com\/products\/2940015708837","provider":"Barnes \u0026 Noble (DEV)","version":"1.0","type":"link"}