In terms of credit scores: Usually, high 400s, low 500s means there are currently negative items recently reporting. Usually, that prevents the tradelines from impacting credit scores as much as they should. I would recommend you contact [email protected] or call him at 321-799-6159 to discuss a full range of credit solutions (in addition to tradelines).

It helps to go through your credit reports with a highlighter and pick out any and all inconsistencies. Keep in mind that a credit report from one credit bureau may have an error, while another may not. That’s why it’s so important to check all three of your credit reports from all three credit reporting agencies for inaccuracies on each. You may find none, a few, or perhaps many errors on your reports. That’s where the next step to improving your credit comes in.


I/We understand I will be required to maintain and provide access through an approved 3 bureau monitoring service (which includes new reports every 30 days). This is our blue print and essential for fixing my credit reports as quick and efficient as possible. (Credit Rx America does NOT accept Credit Karma as they have you waive various rights. They also do NOT provide 3 bureau credit reports, which we MUST have.)

The bond is in the amount of $10,000. The bond is in favor of the Commonwealth of Virginia for the benefit of any person who is damaged by a violation of Section 59.1-335.4 of the Commonwealth of Virginia Statutes. A person who wishes to file a claim against the bond for a violation of Section 59.1-335.4 of the Commonwealth of Virginia Statutes may commence legal action against Credit Rx America LLC with the Department of Agriculture and Consumer Services. The surety may be liable only for actual damages and not for punitive damages. The aggregate liability of the surety to all persons damaged by Credit Rx America LLC violation of Section 59.1-335.4 of the Commonwealth of Virginia Statutes may not exceed the amount of the bond.

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My wife and I recently decided we wanted to buy a home better suited to starting a family and sell our townhouse (which she owned when we met). I didn't have the best, let's say, track record with financials in my past and my credit was abysmal. I hit rock bottom 2.5 years ago when my car ( a beautiful fully loaded Jeep) was reposed on Xmas eve morning. Even then, although angry and ashamed, I didn't do much to help myself out. My 20's, which were years of partying, spending and generally speaking not caring had finally caught up. I was 29. So, we got to work with fixing things. Paying off creditors, paying down debts, making on time payments, etc. When we had my credit run about 6 weeks ago, it was 588. This was much higher than the 410 I had a couple years ago, but still a far cry from good. (Side note here, be mindful of using credit cards that track your fico score, or having a credit bureau account that gives you your score. There are around 30 different scores that are used, and different scores are used for different types of inquires (auto loan is different than mortgage)). So we got to work, paid off the last couple things and really started paying attention to what was happening. One thing I can't stress enough is every year, you're allowed to get 3 free credit reports, 1 from each bureau. You MUST do this each year. This is where I found my credit windfall. I was able to uncover the fact that a debt that had been paid of was still being reported as open and late. I also found a debt that wasn't mine! A big one. $1700 showing open and late for 2 years with a collector. I filled a report with the CFPB (Consumer Financial Protection Bureau) and they started an investigation. The company that had this debt wrote me a letter saying that even though I had no proof that the debt wasn't mine, they would absolve it and would contact the 3 credit bureaus to have the reporting removed and cleared. At this point, I called my broker and said it's time to run the simulator. They ran it, and then performed what is called a Rapid Rescore. Some brokers charge for this; good ones don't. Since they are trying to get your business they will do it for free. If it's at cost, it's roughly $10 per item per report. If you have a lot of issues it can add up. Anyhow, they did the rescore, did the simulator, ran a hard inquiry and BOOM, 657.
CRA's services include assisting you in disputing inaccuracies, misstatements, misleading or unverifiable information and other incorrect information reported on your credit reports. CRA does not offer credit to consumers or lend money. Pursuant to the terms of this Service Agreement, CRA shall provide the following services: With No upfront Fees, No Startup Fees, No Monthly Fees. Credit RX America LLC does not offer credit to consumers or lend money.
Opening several credit accounts in a short amount of time can appear risky to lenders and negatively impact your credit score. Before you take out a loan or open a new credit card account, consider the effects it could have on your credit scores. Know too, that when you're buying a car or looking around for the best mortgage rates, your inquiries may be grouped and counted as only one inquiry for the purpose of adding information to your credit report. In many commonly-used scoring models, recent inquiries have greater effect than older inquiries, and they only appear on your credit report or a maximum of 25 months.
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You can get your credit report from each of the three major reporting agencies—Equifax, Experian, and TransUnion—for free once a year at annualcreditreport.com. But credit reports don’t include your actual credit score—you usually have to pay for those. However, I recently joined Credit Karma, at creditkarma.com, where you can actually get it for free!


You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any ''credit repair'' company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.
A question that always tends to rear its head is “how do I quickly improve my credit score by several hundred points?” While you can’t increase your credit score tomorrow, it is possible to turn your credit around in a relatively short amount of time — usually give or take one year depending on the health of a person’s current score. Showing you can be diligent about your spending and debt repayments will go a long way in convincing lenders you are a low-risk customer.
Trade lines may contain a variety of different data points related to the creditor, the lender, and the type of credit that is being provided. The trade line often contains the name of the creditor or lender, the account or another identifier for the type of credit being provided, the parties responsible for paying the loan, and the payment status of the account.
I also don’t recommend trying this if you have missed payments with the issuer or have a downward-trending score. The issuer could see your request for a credit limit increase as a sign that you’re about to have a financial crisis and need the extra credit. I’ve actually seen this result in a decrease in credit limits. So, be sure your situation looks stable before you ask for an increase.

What can and DOES change is whether you have a collector pursuing you for the debt. If you are talking about a dormant account that has been in collections and has finally been left alone with no collections activity for a few years, messing with it can be problematic from the point of view that the collections people will start pestering you again to see if they can get money and if the SOL isn't up, they can start reporting on it again which can affect your score or they could even file suit if your state SOL isn't up.
Each of the 3 credit bureaus produces their own, separate credit report and their own separate credit score. That means one bureau’s report or score may not look like another’s report or score, especially since some creditors may report information to one or more bureaus at different times. This is why you have to contact all three credit bureaus when you are repairing your credit.
You're the best. My mom added me as an authorized user to a couple of her cards (when I was 12, and she never even told me about it), but they're at 99% utilization and have late payments! I'm still in the process of trying to get myself removed from those, and getting those accounts completely removed from my credit report, not just listed as closed accounts. 

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First, the basics: A key component of your score is your credit-utilization ratio—the amount you owe on your credit cards as a proportion of your card limits. Utilization is calculated for individual cards and in the aggregate for all your card accounts. The lower your utilization ratio, the better. According to FICO, consumers with scores of 800 or higher (standard FICO and VantageScore credit scores range from 300 to 850) use an average 7% of their credit limits.
But many people think there is. You are legally entitled to a free annual credit report from each of the 3 credit bureaus, which is the starting point of any credit repair process . But none of them come with a score. That said, when you get your annual credit report from one of the bureaus, the bureau may show you a separate offer for your credit score. That score offer may be free or carry a fee. It’s up to the bureau, but just know they’re not required to offer you a free score.

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Advertiser Disclosure: The offers that appear on RebuildCreditScores.com’s website are from companies from which RebuildCreditScores.com receives compensation. This compensation may influence the selection, appearance, and order of appearance of the offers listed on the website. However, this compensation also facilitates the provision by RebuildCreditScores.com of certain services to you at no charge. The website does not include all financial services companies or all of their available product and service offerings.
Choosing Boost Credit 101 means you are choosing a company that has been in the business of helping and educating people for over five years. It is our goal to help you not just improve your credit, but truly understand what credit is. Credit is essentially a big basket of data which is interpreted and analysed on a daily basis; the credit score is not a constant but rather a behavioral pattern of risk and reward. Because of this, credit is very similar to physical fitness. It takes time, commitment, and conscious diligence to achieve and maintain good results. The good news is: it’s far, far easier to achieve and maintain great credit than it is to get a six-pack!
Certain States require a statement by CRA informing the consumer about CRA obtaining and maintaining a bond and a place of business within the State. However, due to the fact that CRA bills consumers only after services are completed, CRA and certain subcontractors may not maintain a bond in any State nor a Headquarters in any State other than Wyoming.
•    I then added her to 3 of my credit cards as an authorized user. I choose the oldest with high credit limits.(I did not give her the cards to use-only added her as an authorized user for my own protection) BEFORE being added as an authorized user be SURE you know the credit history and habits of the owner of the account. If there is a late payment on their account this will be reflected on YOUR credit history!
First, pay off your credit cards and lines of credit. One of the fastest ways to boost your credit score is to lower your debt utilization ratio, which is the difference between the amount of revolving credit that's available to you and the amount that you're actually using. However, the best method to pay off revolving debt isn't with another loan (which would likely also show up on your credit report and even more damage), but by paying down the debt from your current income, using cash that you have in a savings account, or selling stocks or other investments, as long as they aren't in a retirement account.
You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

The bond is in the amount of $10,000. The bond is in favor of the Commonwealth of Virginia for the benefit of any person who is damaged by a violation of Section 59.1-335.4 of the Commonwealth of Virginia Statutes. A person who wishes to file a claim against the bond for a violation of Section 59.1-335.4 of the Commonwealth of Virginia Statutes may commence legal action against Credit Rx America LLC with the Department of Agriculture and Consumer Services. The surety may be liable only for actual damages and not for punitive damages. The aggregate liability of the surety to all persons damaged by Credit Rx America LLC violation of Section 59.1-335.4 of the Commonwealth of Virginia Statutes may not exceed the amount of the bond.

You can also open a totally new credit card to divert some spending as well. Again, remember the credit inquiry — and be sure your card can handle it. In most cases, the small hit should be more than mitigated by the newly available credit, but if you’ve been applying for a lot of credit lately or you risk being rejected for the new credit line, you’ll want to tread carefully.

Make sure your credit report doesn’t contain any errors. The Federal Trade Commission found that five percent of consumers had an error on at least one of their three credit reports from major credit bureaus.  According to the Consumer Financial Protection Bureau, common credit reporting errors included things like mixing your accounts with someone with a similar or same name, identity theft, closed accounts reported as still open, and negative items remaining on your account after they should have been dropped. Here are steps you can take now to correct errors:
Thanks to the Fair Credit Reporting Act, you have the legal right to dispute errors on your credit report. Unlike reporting tradelines to credit bureaus, which only an approved reporting agency can do, you can contact credit bureaus directly to fix any errors or incomplete information. The Federal Trade Commission has sample letters you can use to dispute incorrect information, and they also make recommendations on how to make sure your request is received and addressed by the bureaus.
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