73 Days To Clean Credit - Its Really Called 37 Days To Clean Credit And It Will Help You Boost Your Credit Scores

73 days to clean credit is actually called 37 days to clean credit and is the best self credit repair system on the market.37 days to clean credit has helped many people successfully fix their own credit in an affordable manner! Keep reading to find out more about this proven and effective self credit repair system!

37 days to clean credit was written and developed by Chris Brisson. A few years ago Chris found himself with terrible credit and a ton of crushing debt. He talked to credit repair companies but found them way to expensive!Unable to afford a credit repair service Chris decided he was going to learn all he could about credit repair and do it himself. He was very successful in his efforts!

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Once he fixed his credit and got himself out of debt Chris went back and looked at what he did and how he did it. He then eliminated any mistakes and unnecessary steps he made along the way. Once he had his perfected method developed he turned it into 37 days to clean credit. He wanted to make it easy for the average person to use and understand.

The Main part of 37 days to clean credit is the 80 page 7 chapter E-book. In this E-book yo will find the step by step plan that helped Chris fix his own credit. Yo will also find a wealth of information n credit repair and methods to get out of debt.

As a bonus Chris also included many bonus products with 37 days to clean credit that will help you budget your money, get out of debt and fix your credit alot faster. These products alone are worth three time the $37 price of 37 days to clean credit!

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Fixing My Own Credit-Tips For Self Credit Repair

Yes You Can Fix Your Own Credit

I need to fix my credit fast! If you have ever been turned down for a loan or even insurance that you needed very badly then you have more then likely uttered these words to yourself. But you are probably very confused and clueless about whats involved in fixing your credit

How To Repair Your Credit Yourself

the first thing that needs to be done before you can start to improve your credit is find out exactly why your FICO scores are low.

The only way that you can do this is to get a copy of your credit report and review it for errors and negative information that will cause your credit scores to drop.

What am I Looking For Exactly

When looking over your credit report you want to look first for errors. Errors on your report are accounts that have information that is not accurate. It could be that a late payment is recorded when there never was a late payment, or even the limit is showing wrong and the report thinks that your balance is way over your limit.

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Derogatory information is information that is negative in nature and true. This information is often late payments, charged of accounts, collections, judgments and bankruptcies. All of these will pull your credit score down fast.

What Do I Do after I Find These Accounts?

First make a list of these accounts so they are separated from your good accounts. Make sure that you arrange these accounts so that the oldest account is listed first and the newest is listed last.

Next You will need to write a credit dispute letter for the first two accounts to each credit bureau that is reporting negative information on this account. This is important because there are three bureaus and they all report differently so you want to make sure that you are not sending a dispute letter to a bureau that is not reporting negatively about you!

What Is On a Credit Dispute Letter and Why am I Writing It?

This letter is basically telling the bureaus that you do not agree with the information they are reporting. The credit dispute letter that you are writing should have your account number, your name, address and social security number. You also need to state the reason you do not agree with the account information.

How Will a Letter Help Me Fix my Credit?

Once your letter is received the bureaus under Federal Law must investigate this information with the original lender. If the original lender does not or will not provide proof of the information then the bureaus must remove the item. Once the negative item is removed from your report your scores should increase and your credit should be fixed a little bit.

One Final Tip To Help Boost Your Credit

If you are unsure on how to go about doing Self Credit Repair then pick up a good book or guide on the subject. Many are available online for a small fee and will help you get yourself squared away much faster. The Credit Repair Guides I Recommend can be viewed at http://www.creditfix123.info

Estimating Your Credit Score - Tips to Help You Estimate Your Credit Scores

Before applying for a loan many borrowers get nervous and wonder if they will get approved for financing. Knowing your credit score can eliminate this stress but credit scores change daily so how can you estimate your credit score right now?

The most important factor in your credit profile is paying your bills on time, if you have no 30 day late payment on reporting on your credit accounts that would be the most ideal situation for a high credit score. Most times borrowers with credit scores over 700 almost never will show a 30 day late on credit accounts.

Keep in mind that one 30 day late payment either on a credit card or home loan can drop your credit score 50-100 points. It will take 6-12 months for your score to return back to the level where it was at before the late payment. 60,90 and 120 late payments make the situation worse and will take longer to recover from.

Balance to credit limit ratio is another big deciding factor in your credit score. If you have many accounts maxed out at the limit then you can expect a drop in your credit score of up to 100 points. The ideal ratio is to have a balance at 45% of the credit limit. This is considered by many to be the ideal balance to limit ratio. If your credit accounts are maxed out then you can always ask the creditor for a credit line increase, this will drop the ratio down and bump up your credit score.

The number of credit inquiries will also have a negative affect on your credit score, to many inquiries and you score begins to drop. If you are shopping for a home or car only allow your credit report to be pulled 3 times. Excessive credit inquiries can have a drastic affect on your credit score so use common sense when shopping for things that require credit to be pulled.

If you have good payment history with low balance/limit ratios and have no had excessive credit inquiries you can be safe to estimate your credit score at 680-700, you can subtract 50 points for every 30 day late and another 50 points for every credit card that is maxed out. Although there are other factors the three listed above will make up the biggest portion of your credit score and it is safe to estimate your credit score based of of them.

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