Although the three major credit bureaus use varying credit scoring models, lenders generally recognize a credit score over 700 as within the top 1 or 2 credit tiers. In other words, if you goal is to improve your credit score, you should try to reach a score of at least 700.
What Can I Do to Quickly Improve my Credit Score?
Nothing helps raise a bad credit score more quickly than deleting negative information from your credit reports.
Three Critical Methods to Increase Your Credit Score
Method 1 - Delete negative listings. Sadly, even *one* negative item can crush an otherwise good credit history. You should make every effort to dispute, delete, and clear your credit of the following information: charge offs, late pays, collections, garnishment, judgment, bankruptcy, included in bankruptcy, settled for less, public record, repossession, foreclosure.
Method 2 - Open an unsecured revolving line of credit. Unsecured means the loan is not *secured* by collateral such as a car, house, etc. Revolving means you can choose to carry a balance from month to month. Credit bureaus favor those people with an established history of good payments to an unsecured revolving line of credit.
Method 3 - Remove inquiries or limit number of inquiries. This is a little known secret to increasing your credit score. Finally, paying your bills on time each month is the best way to repair bad credit over time.
"HOW I DELETED CHARGE OFFS, COLLECTIONS, AND LATE PAYMENTS & RAISED MY CREDIT SCORE 177 POINTS!"
Learn How I Improved my credit score from 530 to 707 by deleting stubborn charge offs, collection agencies, and late payments from my credit reports -
"I went through some hard financial times a little while back. I lost my job and as a result I struggled to pay my car payment and credit card bills. I was devastated. I tried working with my creditors, but they made it almost impossible. Many of the credit card accounts were reported as "charge offs" to the credit bureaus without my knowledge.To make matters, worse collection agencies got involved. They began checking my credit without my consent, which I was told hurt my credit score. There were also duplicate entries for the same accounts.
I wanted to start over, clear up the bad credit, and raise my credit score. I decided to hire professional credit repair attorneys. After reviewing many options, I chose the Lexington Law Firm.
They started the credit repair process almost immediately and cleared up four negative credit items after only 30 days! They even deleted things that I had totally given up on. I monitored my score each month and saw that my score was steadily improving. Below is a chart demonstrating the progress I made:
I enjoyed receiving Deletion Letters in the mail each time they removed an item.
Here are some of the Deletion Letters:
$7,411 Discover Charge Off | $1108 Credit Card Collection | 90-Day Late Payment - DELETED! 
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$1,114 Collection Agency & $606 Collection Item - DELETED
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$2,289 VISA Credit Card Charge-Off Deleted | 90-Day Late Payment - DELETED!
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My Current Credit Score - 707!  |
I recommend the Lexington Law Firm to anyone who is shouldering the stress and frustration of bad credit. Lexington Law has experiencing deleting all types of negative credit items including judgments, foreclosure, and more.
The results really do speak for themselves. Lexington Law has helped many people repair their credit reports. In fact, according to the Lexington Law Website, they deleted more than 600,000 negative credit items including collections, foreclosure, late payments, charge offs, repossession, and bankruptcy!
