5 Steps to an

800+
Credit Score
CHEAT SHEET
STEP 0 introduction
Hi There! Congratulations on taking action
to improve your credit score and your overall
financial health. My name is Mike Roberts, and
I’m the founder of The Credit Solution Program.
We are a community & online training program
that takes people from ​Bad credit - Good credit
- Excellent credit​, all based on this five-step
system that I’ve developed based on a lot of trial
and error with my own credit and feedback from
our members.

So that’s what I’m going be sharing with you today. This is the outline of our five-step
system that anyone can follow to get to excellent credit. We’ve helped over 2 million
people do exactly that through our training programs and free email newsletter.

If you want more help improving your credit score, you’re also invited to attend my
FREE webinar training on these 5 steps​where we’ll have the time to get into a lot more
detail on each step. You can register for that by clicking here:

REGISTER FOR THE FULL 5-STEPS to 800 CREDIT SCORE TRAINING

Alright, here’s the 5-steps cheatsheet!

STEP 1 Pay Attention to Your Score
The first step is to pay attention to all 3 credit scores. Monitor your credit score, know
what’s in your credit report, and make sure that you’re always on top of it.

Have you ever heard the quote… “That which is measured improves.” I’m not really sure
where that comes from, but it stands to reason that you can’t really improve something
if you’re not paying attention and measuring. So that’s why you need to constantly know
where you’re at with your scores. The good news is that today, it’s easy to track your
scores for free.

You may already be using a site like ​www.creditkarma.com​to get

free credit scores... if not, go sign up now. The only problem with
Credit Karma is that they’ve only got TransUnion and
Equifax scores. ​www.CreditScoreCard.com​is another site
that’s sponsored by Discover, and the cool thing about this site
is that they give you an Experian FICO score. So if you’ve got the combination of these
two sites working together, then you can have a look at all 3 credit scores at all times at
no cost.

If you want a better option with everything in one place and complete credit monitoring
from all 3 credit bureaus + the easiest to read credit reports, then I recommend you:

GET ALL 3 CREDIT REPORTS + SCORES HERE

STEP 2 ​Lower Credit Utilization

Credit utilization is basically a measure of the ratio of how much credit are you using
versus how much that you have available. And it’s only looking at your revolving credit
lines, which are your credit card accounts. Here’s how it’s calculated:
So why does credit utilization matter? It’s a giant 30% piece of your credit score, and it’s
basically impossible to have a good credit score if you have problems with your credit
utilization.

To improve it, you can either ​lower the amount owed or you can increase the amount
of credit available​. This is the fastest way to boost your score 50 to 100+ points in as
little as 30 days or less.

All right, so how can you improve this? There are four different ways.

1. Pay down your credit card balances.

2. Increase your available credit limit. (increase limits on existing cards or get new cards)
3. “Borrow” credit to increase available credit. Get someone to add you as an authorized
user on their credit card.
4. Change credit card debt into “installment” debt.

STEP 3 Pay Bills On Time

There’s no way around this guys & gals. You can’t build your credit up if you’re continually
breaking it down. So, paying your bills on time is something you have to do… but just
paying your bills isn’t going to fix your problem. It’s not enough on it’s own to get a
great credit score - you have to follow through on all 5 steps to really get big results.

I just want to give you one brief tip on always paying your bills on time. If I can tell you to
do one thing to really make sure that this is happening for you, it’s to get your your bills
set up on automatic payments. You can even get rent payments set up on automatic
payments. All right, so that’s step 3. It’s just something you have to do.
STEP 4 ​Build Positive Credit
Let’s say you have a bad payment history right now. Which means you’ve got some late
payments, maybe you have some collection accounts. That sort of thing is going on, on
your credit report. Well, if you don’t give the credit scoring model anything that looks
good, to compare/balance against all that bad stuff, then all they have to go on is the
bad stuff that’s on your credit report. So that’s how you’ve got to think about this step.
When I say a good credit line, what I mean is a credit line that you haven’t ever been late
on. So if you’ve only got credit lines that you’ve been late on so far, you can start new
credit lines and make sure that you don’t screw up - pay those on time. Whether that’s
a new credit card or a personal loan, etc. it really doesn’t matter.

This strategy will really pay off in six months, in 12 months or in 24 months down the
road. So this is the kind of thing you’ve got to start seeding early and then you really get
the payoff a little bit later, months down the road.

Here’s one option for building positive credit lines:

SIGN UP TO GET A CREDIT BUILDER INSTALLMENT LOAN

(it’s like a savings account that reports to the credit bureaus)

STEP 5 Correct Negative Reporting
Most people with a credit score in the 300’s, 400’s, 500’s or 600’s have some combination
of these problems with their credit report:

• Collection Accounts
• Medical Bills
• Tax Liens
• Student loans
• Late payments
• Judgments
• Too many Inquiries

So why are these negatives such a big deal? These things are about not paying a bill in
some way. These are some of the biggest problems for your credit report. And so step
number five is really the biggest one, as far as getting a big improvement on your score
because it affects 35% of your credit report. And so, you should use every legal means
available to you to get anything negative off your credit report that doesn’t need to be
there, legally. The way I would look at this, is this is a game… and you need to play to
win. There are 2 consumer protection laws that limit what can happen as far as your
credit reports go.

1. FCRA (Fair Credit Reporting Act)

2. FDCPA (Fair Debt Collection Practices Act)

They’re both long legal documents. You can go read them if you want, but I don’t
recommend it because it’s hard to make sense out of for a “regular” person. The
bottom line is you can use these laws in your favor to make sure that only the stuff that
absolutely has to be on your credit report is showing up there. And you can often get
things removed from your credit report by leveraging these laws to your benefit.

The Consumer Financial Protection Bureau has a s​ ummary of your FCRA rights here.
next steps How to Learn More
I hope you enjoyed this outline and hopefully learned a few things that will help you. If
any of this is confusing or doesn’t make sense, don’t worry I’ve got more coming for you
really soon. Next, I’d like to suggest 3 options for you if you would like to learn more
about boosting your credit score. Here they are:

If you know you want all the help you can get and you’re ready to improve
your score as fast as possible. Then go ahead and grab our excellent full
training program for only $27 right here -> ​Lift your score 116 points
guaranteed.

If you would rather pay a credit repair service to work on your credit for
you, then you can call our partner anytime M-F 9am-8pm ET:

Call 844-275-5986 for a Credit Consultation

If you want more insight into how these 5-steps work to improve your
score, then I recommend that you register for the full web class training
right here -> ​FREE Webinar Training on the 5 steps to an 800+ Score​ ​
where we’ll have the time to get into a lot more detail on each step.

Finally, if you’d like to get to know us better and learn more on your own...
you’ll be receiving emails from us each week (you can unsubscribe at any
time) so stay tuned to your email inbox and read our free email newsletter
for guidance as you take steps to improve your credit on your own!