7 Secrets Guaranteed To

Boost Your Credit Score

_ 2006-2007, Bruce D. Liu
This Digital Publication Courtesy:
PrimeMax Marketing Group
3416 Hidden Valley Drive
Plano, TX 75074
http://www.insiderguidetocreditrepair.com/

“NOW - You CAN Get Rid Of Your Credit Worries If You Follow
This Simple, Proven, Step-By-Step Guide …
Discover How You Can Quickly And Easily Get Rid Of Your Bad
Credit Guaranteed To Smash Your Debts FOREVER In Next 90 Days
... With Little or No Money - Even When Your Credit Situation
Seems Hopeless!”
Check out at my web site for details:
http://www.insiderguidetocreditrepair.com/index.html

_ PrimeMax Marketing Group All Rights Reserved Page 1

 Disclaimer
While all attempts have been made to verify information
provided in this publication, neither the author nor
the publisher assumes any responsibility for errors,
omissions or contradictory interpretation of the
subject matter herein.
This publication is not intended to be used as a source
of legal advice. The purchaser or reader of this
publication assumes responsibility for the use of these
materials and information. The reader is strongly
encouraged to seek professional counsel before taking
any action.
The information presented in this publication is
intended as a general guide to assist you in improving
your credit rating. As different consumers have
different credit histories, results from employing the
information in this publication may vary.

_ PrimeMax Marketing Group All Rights Reserved Page 2

Thank you for requesting this free report - "7 Secrets
Guaranteed To Boost Your Credit Score!"
Let me start out this free report by sharing one important yet
quite simple principle: "Everything the *professionals* could do
for you, you can do it BETTER for yourself with LESS cost!"
It's not hard to do if you know how to do it and do it RIGHT and
EFFECTIVELY.
The problem is that most of people who are suffering financial
difficulty have little knowledge about how to find out what's
wrong with their credit rating and how to fix and rebuild it if
it's bad.
And even worse don't know about the federal laws and how to use
these laws to protect themselves against the credit bureaus, the
creditors and even the collect agencies.
That is one of the reasons I wrote a simple, and step-by-step
credit repair home study course to help people like you to get
rid of your credit problem and regain your financial future.
I hope that through this special report you will begin to see
just a few of the tips available from my ebook.
Once again, thanks for stopping by my web site.
Now, let's get started …

_ PrimeMax Marketing Group All Rights Reserved Page 3

================================================
7 Secrets Guaranteed To
Boost Your Credit Score
By Bruce D. Liu
================================================
Credit is used every day by millions of Americans, yet most do
not have the clear idea how the credit system really works. Most
people only know that they can pull out a plastic credit card
and buy something that they don't have the cash to pay for.

Credit is more than just a plastic card you use to buy things—it
is your financial trustworthiness. How much is it worth to you
to have good credit?
The answer is simple. Good credit in our society is virtually
“priceless”. If your credit is not good or even damaged, you
will be severely handicapped in almost any financial endeavor
you wish to accomplish.
Good credit means no late payments history, no collections, no
charge-off, no bankruptcies, and no public record. The better
your credit, the more willing companies and people will be to
lend you money, issue you a credit card, rent a house or
apartment to you, hire you, or provide services to you on
favorable terms.
However, bad credit, once established, can be difficult to
escape. It usually results from making late payments or
borrowing too much money, even court judgments, collections, or
bankruptcies.
When you apply for a credit card, personal loan, or any other
type of credit, the lender must decide if you are a good credit
risk. Creditors do this by checking your credit report to see

_ PrimeMax Marketing Group All Rights Reserved Page 4

how you've paid debts in the past.
A poor repayment history will not help you. A bad credit history
can haunt you for a long time—seven years or more.
Creditors usually consider a number of factors in deciding
whether to grant credit, most creditors rely heavily on your
credit history. Some creditors are reluctant to grant credit to
consumers-who have not established a "track record" with other
creditors first.
In addition, many creditors will not extend credit to consumers
with a history of delinquent payments, repossession, judgments,
or bankruptcy.
With these 7 secrets your credit rating will be improved
dramatically.

=======================================================
Secret #1: Know What Your Current FICO® Credit Score Is
=======================================================
A credit score, simply to say, is a rating tool used by a lender
or another financial company to determine whether you qualify
for a particular credit card, loan, or financial service. Think
of credit scoring as a point system based on your credit
history, designed to help predict how likely you are to repay a
loan or make payments on time.
Your credit score is an excellent guide to help you better
understanding your financial health. The creditors use credit
score to determine whether to grant credit or extend credit to
you.
Credit score ranges from 300 to 850, but the majority of scores
fall within the 600s and 700s.
Statistics show general US population FICO Scores range as
follows:
Above 780 - 15%
740-780 - 20%

_ PrimeMax Marketing Group All Rights Reserved Page 5

690 to 740 - 25%
620 to 690 - 20%
Below 620 - 20%

Higher credit scores indicate a lower credit risk, which usually

means lower your cost or easier to borrow more money.
Alternatively, a poor credit score usually mean you can only
qualify a higher interest rate and higher fees than those
offered to applicants with good credit records. So, knowing
your score can be crucial, especially when you apply for a loan.
Everyone with a credit record also has a credit score.
Different lenders may use different scoring systems, so your
score may vary significantly from one source to another.
FICO is registered trademark for Fair Isaac and Company, or Fair
Isaac for short. Fair Isaac is a company who constructs credit
score tools for lenders who use them to evaluate the credit of
their customers and prospects.
_FICO credit scores are among the most well known credit scores.
Find out more about FICO, check out Fair Isaac web site
http://www.fico.com/
But there are certainly other competitors of Fair Isaac who also
construct credit scores. Additionally all three of the national
credit bureaus construct their own credit scores.
FICO credit scores have become well known to consumers over the
last several years because they are often used in mortgage
transactions. It is used by over 70% of the nation's creditors
to make financial decisions about consumers.
Your FICO credit score is calculated by a mathematical equation
that evaluates many types of information found in your credit
files.

_ PrimeMax Marketing Group All Rights Reserved Page 6

Many different facts affect your credit scores, but most are
based on the following, such as:
Your payment history
Your length of credit history
The number and type of accounts you have
The amount you owed
Late payments
Collection actions
The credit inquiries
The new accounts recently opened
Age of your accounts
Your public record and other information
Your score can change whenever your credit report changes. As
your data changes at the credit bureaus, so will any new score
based on your credit report.
So your credit score from a month ago is probably not the same
score that a lender gets from the credit bureau today. But your
score probably won't change a lot from one month to the next.
A bankruptcy, late payments, or debt collections or a court
judgment can significantly low your score fast, while improving
your score takes time.
It is one of the most influential factors in deciding whether to
grant you credit, so that's why it's a good idea to check your

score 6-12 months before applying for a big loan, so you have
time to take action if needed.
If you are actively working on improving your credit score,
you'd want to check it quarterly or even monthly to review
changes.
You can get your own credit score by calling:

_ PrimeMax Marketing Group All Rights Reserved Page 7

Experian 1-888-322-5583
TransUnion 1-866-SCORE-TU or 1-866-726-7388
Equifax 1-877-SCORE-11 or 1-877-726-7311
To improve your credit score, concentrate on the accuracy of
report, paying your bills on time, paying down outstanding
balances, paying bill more than minimum required and not taking
on new debt.
==============================================================
Secret #2: Check On Your Credit Report Periodically
==============================================================
A credit report is a summary of your financial reliability—for
the most part, your history of paying debts and other bills.
Your credit reports can have a significant impact on your life
because they are wildly used in so many decision-making
processes that affect daily life, such as application for a
loan, a credit card, a car, a college loan, or sometimes even
for a job or insurance.
Many people never or rarely look at their credit report until
they apply for a loan or they have been denied a loan or other
request based on information in their reports.
It is important to know what your credit report says about you.
Your credit report is important because people may make
decisions on you based solely on your credit report.
Credit report is designed to provide information about your
credit history to business and organizations, such as banks,
department stores, credit card companies, mortgage companies,
etc.
Usually, your credit report contains the four basic types of
information:
_ Identifying Information
Compiled from credit applications you've filled out, this
information normally includes your name, Social Security

_ PrimeMax Marketing Group All Rights Reserved Page 8

number, current and previous addresses, telephone number,
birth date, and employer.
_ Credit History
The bulk of your credit report consists of details about
credit accounts that were opened in your name or that list
you as an authorized user (such as a spouse's credit card).
Account details, which are supplied by creditors with which
you have an account, include the date the account was
opened, the credit limit or amount of the loan, the payment
terms, the balance, and a history that shows whether or not
you've paid the account on time.
_ Inquiries

A credit report's inquiries section includes a listing of

all of creditors, insurance companies or other parties that
have requested your credit report, usually when considering
an application you submitted.
Every time a potential credit grantor looks at your credit
file, a credit inquiry appears on at least one of your
credit bureau reports. Inquiries typically can remain on
your credit report for two years.
_ Public Records
Matters of public record generally gathered from local
courthouses, including bankruptcy records, foreclosures,
tax liens, court-ordered payments, and late child-support
payments.
Derogatory information can generally remain on your credit
report for up to 7 years, except for bankruptcy information,
which may be reported for 10 years.
However, a credit report does not include information about your
checking or savings accounts, bankruptcies that are more than 10
years old, charged-off or debts placed for collection that are
more than 7 years old, gender, ethnicity, religion, political

_ PrimeMax Marketing Group All Rights Reserved Page 9

affiliation, medical history, or criminal records.
Credit information is weighted based upon its type and history.
The more current good or bad information, the more weight the
affect.
For example a very old 90 day late may be less weighted than a
very recent 30 day late.
The following is the type of data weighted for you credit score:
Past Payment Performance (35% - heaviest weight)
Amounts You Owen (30% - next heaviest)
Length of Your Credit History (15% - third weight)
Types of Credit In Use (10% - least weighted)
New Credit (10% - least weighted)
When you receive your credit report, you'll probably be
surprised to discover what is and isn't in your credit report
and that it may be quite incomplete, inaccurate and outdated.
You may also find out your credit report is not truly
comprehensive portrait of yourself.
You may not know it, but right NOW, this very moment, countless
pieces of information are transmitted, received, and stored
regarding your financial and credit history!
Unfortunately, NOT all of them are good for you! Some of them
maybe server enough to result in credit denial!
In fact, over 50% credit reports have derogatory items. It is
conservatively estimates that 45 millions of those people can
benefit from simple corrective strategies that they can use to
improve their credit scores.
So, that is why important that you should review your credit
reports from all three major credit bureaus frequently. Some
experts suggest review your credit record at least once a year.
It is also advisable to check your credit report whenever you
are applying for important loan, financing your new car or even

_ PrimeMax Marketing Group All Rights Reserved Page 10

apply for new job.
To get copies of your reports, contact the credit bureaus listed
below:
Equifax Information Service
P.O.Box 105851
Atlanta, GA 30348
1-800-685-1111
http://www.equifax.com
Experian
National Consumer Assistance Center
P.O.Box 2104
Allen, TX 75013
1-888-397-3742
http://www.experian.com
TransUnion
Consumer Disclosure Center
P.O.Box 390
Springfield, PA 19064-0390
1-800-916-8800
http://www.transunion.com or
http://www.tuc.com

Under The Fair and Accurate Credit Transactions Act (FACTA)

signed into Federal law in December 2003, you are entitled free
credit report from each of the 3 credit bureaus once every year.
You can get your free annual credit reports by calling
1-877-322-8228 or visit http://www.annualcreditreport.com/
If you want get more than one copy each year, then the cost of
your credit report ranges from $7 to $12, depending on what
state you are living in.
But, your credit score is not part of credit report, it can be
obtained for additional charge, normally from $6 to $13 from
each of 3 credit bureaus.

_ PrimeMax Marketing Group All Rights Reserved Page 11

================================================================
Secret #3: Catch And Correct Any Error In Your Report
================================================================
The first and most essential trick to improve your credit score
is to ensure the accuracy of each of your credit reports. Only
after you are certain of their accuracy should you begin
planning other steps to improve your credit score.
When receiving your credit report, you may find out the credit
report is NOT truly comprehensive portrait of yourself. So, it
is very important to read your credit report very carefully!
And try to identify any inaccurate, outdated, incomplete and
even negative information as possible as you can.
Following is the list of common problems you may found in your
credit report:
Information is mixed
Your name, your address, or your SSN is not corrected
Duplicate accounts show up
Information is inaccurate, incomplete or outdated
Account information does not relate to you
Unauthorized inquiries are listed, etc.
Under the Fair Credit Reporting Act (FCRA), you have the rights
to dispute the completeness and accuracy of information in your
credit files.
If you find information in your credit record that you believe
is inaccurate, correct them as soon as possible to minimize any
possible damage to your credit record.
By doing so, you need to complete the special investigation
request form that comes with your credit report. Follow all of
form's instructions.
You may also want to attach a letter to your completed form,
dated and signed by you, and along with copies of any

_ PrimeMax Marketing Group All Rights Reserved Page 12

documentation you have that helps prove the error in your credit
report.
The documentation might include copies of canceled checks, sales
receipts, account statements, or previous correspondence between
you and the creditor involved.
Attaching a letter to the investigation request form is always a
good idea if you don't think that the credit bureau's
investigation form gives you enough space to explain why you
think there is error in your report.
Keep a copy of your completed investigation request form,
letter, and backup documentation. They provide you with the
records of what you said and when you said it. Also, the date

on letter will let you know when you should have heard back from
the credit bureaus.
Once you have completed the investigation request form, mail it
to the address the form provided, along with your letter, and
copies of any documentation. Send it by certified mail with a
request for return a return receipt.
When you get the signed receipt back, file it with the rest of
your credit record information.
When writing your letter, be as succinct as possible. Explain
clearly what is wrong with your credit report and attach a copy
of the report to your letter. Highlight or circle each of the
problems you want to be corrected.
When a credit bureau receives a dispute, it must investigate and
record the current status of the disputed items within 30 days.
_ If the credit bureaus cannot verify a disputed item, it
must delete it.
_ If your report contains erroneous information, the credit
bureaus must correct it.
_ If an item you are disputing is incomplete, the credit

_ PrimeMax Marketing Group All Rights Reserved Page 13

bureaus must complete it.
For example, if your file showed that you were late in making
payments on accounts, but failed to show that you were no longer
delinquent, the credit-reporting agency must show that your
payments are now current.
If your file showed an account that belongs only to another
person, the credit bureau would have to delete it. Also, at your
request, the credit bureau must send a notice of correction to
any report recipient who has checked your file in the past six
months.
If an investigation does not resolve your dispute, the law
permits you to file a statement of up to 100 words to explain
your side of the story.
Credit bureaus' employees often are available to help you write
your statement. The credit bureaus must include this
explanation in your report each time it sends out.

Adding 100 words written statement to your credit file is just

the one of options, if you cannot resolve the dispute.
Certainly, other options are available for you, such as:
_ Finding new additional document support your case
_ Negotiating with the creditors who provides the information
_ Filing complaint in FTC
_ Mediation

_ Legal action against credit bureau

Which option you choose, it depends on how your credit repair
processing going.
Credit bureaus are permitted by law to report bankruptcies for
10 years and other negative information for 7 years.
Also, any negative information may be reported indefinitely for
use in the evaluation of your application for:
_ $50,000 or more in credit

_ PrimeMax Marketing Group All Rights Reserved Page 14

_A life insurance policy with a face amount of $50,000+
_ Consideration for a job paying $20,000 or more.
However, the accurate negative information in your report is
hard to be removed unless you have knowledge how to deal with
it.
==========================================================
Secret #4: Keep Total Balances As Low As Possible
==========================================================
Potential creditors will be concerned if there are indications
you already owe a lot of money on credit cards and other
obligations because additional debt could stretch your ability
to repay.
One way creditors evaluate whether to approve a loan or charge a
higher interest rate (which means higher risk) is to look at how
much you owe compared to your earning.
Creditors also consider how much of your credit card limit you
typically use.
If you max out your credit cards or otherwise keeping a high
balance in relation to your credit limit, a lender could
question your ability to make payments on additional debt.

Different lenders and credit scoring systems may use different

calculations when evaluating you. For example, some may include
your monthly payment in their debt-to-income ratio, and others
may not.
So, in general, try to keep your debt level as low as possible
you can. Here’re some tips:
Don't spend more than you can afford. While a credit card makes
it easy to buy something now and pay for it later, you can lose
track of how much you've spent by the time the bill arrives if
you're not careful.
And if you don't pay your bill in full, you'll probably have to

_ PrimeMax Marketing Group All Rights Reserved Page 15

pay finance charges on the unpaid balance. What's more, if you
continue to charge while carrying an outstanding balance, your
debt can snowball.
Be aware of carrying over your account balance from month to
month. Doing so can make it easy to run up a big balance that
you may be unable to pay.
Don't max out or charge near the limit on your credit card.
Also, if possible, try to pay off that credit card balance each
month.
If you cannot pay in full, my suggestion is carry over balance
NOT to exceed 30% of credit limits.
High outstanding debt may negatively affect your score, as you
have a greater chance of missing payments.
If you are having trouble making ends meet, contact your
creditors or see a legitimate credit counselor.
This won't improve your score immediately, but if you can begin
to manage your credit and pay on time, your score will get
better over time. And you won't lose points for seeing a credit
counselor.
Pay off debt rather than moving it around. The most effective
way to improve your score in this area is by paying down your
revolving credit. In fact, owing the same amount but having
fewer open accounts may lower your score.

Follow these strategies and you'll build a good credit history,

reduce debts and save on interest payments, too.

_ PrimeMax Marketing Group All Rights Reserved Page 16

==========================================================
Secret #5: Always Make All Of Your Payments On Time
And Pay More Than Minimum Required
============================================================
One of the biggest factors in the determination of your credit
score is your past payment history.
While one or two late payments on your mortgage, credit card or
other important obligations may not significantly damage your
credit record, if at all, making a habit of this an count
against you.
Consistently pay your bills on time each month as possible you
can. Because this indicates you're a responsible money manager
and likely to take your future commitments (such as a loan,
mortgage) seriously.
Be especially careful with payments in the months before you
apply for a loan, because lenders put more emphasis on your
recent payment history.
If having a trouble to pay off balance, at least, you should pay
more than minimum required. DON'T delay payment.
Delinquent payments or collections can have a major negative
impact on your score.
If forced to miss a payment, be sure to pay the following month.
Your past due accounts will be indicated on your credit reports.
If you have missed payments, get current and stay current. The
longer you pay your bills on time, the better your score.
Be aware that paying off a collection account, or closing an
account on which you previously missed a payment, will not
remove it from your credit report.
Your credit score will still consider this information, because
it reflects your past credit patterns.
You might like the idea of paying back only the minimum required
each month or even reducing your minimum payment.
But it isn't really good deals, especially if you can afford to

_ PrimeMax Marketing Group All Rights Reserved Page 17

pay off all or much of your credit card balance.
When you pay only the minimum on your credit card bill, you're
simply taking more time to pay off your debt.
That means more money in interest charges-- perhaps thousands of
dollars and a debt that takes 10 or 20 years longer to pay than
necessary.
If you don't make at least the minimum payment on your credit
card, your creditors will eventually report your account as past
due, and that's a bad mark on your credit history.
Not only that, but paying less than the minimum can result in
late fees and additional interest charges, which can add up
quickly.
Your credit card company also may begin to see you as more of a
risk and decide to substantially increase your interest rate.
So, pay more than the minimum to reduce interest charges and
improve you credit score.
===================================================
Secret #6: Don't Open Too Many Credit Cards
That You Don't Need
===================================================
You may not think twice about offers to "sign up today" for a
credit card to receive a percentage off your first purchase, get
a free T-shirt or to have no payments for six months.
Depending on your personal situation, these promotions may be
good deals.
But beware. If you open a number of credit accounts with
retailers just to get the discounts or freebies, these seemingly
harmless accounts may remain in your credit file and end up
costing you money when you get a loan or insurance the next
time.
If you have a stack of credit cards and department store cards,
even if you rarely use them or don't carry a balance on them,
each card represents money that you could borrow.

_ PrimeMax Marketing Group All Rights Reserved Page 18

A potential creditor will look at each card and its $10,000 or
$20,000 credit limit and say, "We don't know when or if you'll
access this amount, but if you do, that means you'll have less
money available to repay any new obligation".
The result could be that, if you apply for a mortgage, a car
loan or some other important loans, you may qualify for only a
smaller loan amount or perhaps face increased costs and fees or
your application is rejected
Also, when you apply to a bank for a credit card or a loan, the
creditor will look at the "inquiries" section of your credit
report to find out if you've recently applied for loans
elsewhere.
Several such inquiries on your credit report could indicate to a
lender that you may be having financial troubles or that you
could be on the border of getting too deeply in debt.
These inquiries remain on your credit report for 2 years and can
be a factor in your credit score.
So, don't own or apply for credit cards you really don't need.
Two or three general-purpose cards and a few cards issued by
stores or oil companies probably are enough for the average
family.
Cancel and cut up the rest. If necessary, transfer any balances
from these cards onto the few you plan to keep.
Also important: Notify the card issuer in writing that you want
the account closed at your request, and with no balance
remaining, and save a copy for your files.
This letter can be very valuable if, as it sometimes happens,
the account is inaccurately reported as still open and
available, or if it's shown as being closed by the card issuer,
which is considered a negative in the credit industry.
Note: Under some credit scoring systems, canceling credit cards
can lower your credit score, not raise it. For example,

_ PrimeMax Marketing Group All Rights Reserved Page 19

canceling cards you've owned for many years could lower your
credit score because those older cards can establish a long
history of responsible credit use.
Even so, I still generally favor the idea of canceling cards you
rarely or never use, for reasons already mentioned, plus others
(including the fact that you'll have fewer cards that can be
lost to a thief, and you are more likely to notice problems with
cards you use regularly).
As one possible strategy, review all the cards you have. Keep
only the cards you've had for a long time and handled well by
always paying on time.

======================================================
Secret #7: Using Exactly Same Name Every Time You Fill
Out Credit Applications
=======================================================
This may seem like a minor issue but it can be important in
terms of the accuracy of your credit report,
Credit bureaus obtain data from a variety of sources, not all of
which include a person's full name, Social Security number or
other identifying factors.
As a result, aspects of someone else's credit history perhaps
late payments, loan defaults or other serious problems could
be reported on your credit report and could reduce your credit
score.
Some situations are more likely than others to create mix-ups.
It's not uncommon for a child and a parent with the similar
names to show up on each other's credit report.
Always use your full legal name when opening a bank account or
applying for a loan or other benefit, such as a job or lease.
Never leave off a Junior, Senior or similar designation, and
never use a nickname. Or, at the very least, be consistent by
always using the same name when you fill out these kinds of

_ PrimeMax Marketing Group All Rights Reserved Page 20

applications or documents.
For example, if you have a middle name, use it consistently or
not at all; and always specify if you are a junior or a senior.
Following this advice doesn't guarantee that someone else's
credit history won't appear on your credit report, but it will
help reduce the potential for error in your credit file
================================================================
That wraps up your free report on "7 Secrets Guaranteed To Boost
Your Credit Score!" Simply by knowing and applying these 7
secrets you'll 99% raise your credit score significantly. I
hope you enjoyed it!
However, this report is only a tiny drop in the bucket compared
to what we have prepared for you to learn from our Home Buyer
Course. We help you improve your credit scores and help you
qualify for up to $25,000 in down payment assistance!
You simply have to complete one of our one day Home Buyers
Course in your area to qualify! It’s that easy. In this course
you will hear from professionals in the real estate field such
as Real Estate Agents, Home Inspectors, Closing Attorneys, and
Mortgage Brokers who will provide valuable insight to the
process of purchasing a home!
If you are interesting in learning more on how to
effectively remove bad marks on your credit reports, I suggest
you go to the site below and register for our next Home Buyers
Course in your area ASAP!
http://www.YouCanRaiseYourCreditScore.info
Take care ... and all the best to you!
Dee Nott
Connect Realty.com
910-494-2480

_ PrimeMax Marketing Group All Rights Reserved Page 21