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How to Improve Credit Scores

How to Improve Your Credit Score

 
If a low fico credit score rating prevented you from getting approved for an auto loan, or you are unhappy with the interest rate and terms of your current loan, there are steps you can take to repair your credit and improve your credit score.

Auto Credit Express recommends United Credit Education Services - ECES, to our clients whom are serious about improving their credit score so they get better rates on mortgages, car loans, credit cards, and auto insurance.

UCES offers highly effective credit repair results quickly, in as little as 60-90 days, with a money-back guarantee, and an exceptional BBB rating (Better Business Bureau).
 
 
 

Credit Repair Services Company

 
Credit Repair Services Company UCES will help you remove any unverifiable, inaccurate, erroneous, or obsolete information from the three major credit reporting companies: Equifax, Experian, and TransUnion.
 
  • Late Payments
  • Charge-Offs
  • Collections
  • Repossessions
  • Foreclosures
  • Bankruptcies
  • Public Records
  • Judgements
  • Tax Liens
  • Unpaid Bills
  • Invalid Inquiries
  • Demographic Info
 

Credit Report Disputes

 
Excerpt from the Fair Credit Reporting Act (FCERA):

...if the completeness or acuracy of any item of information contained in a consumer's file at a consumer reporting agency is disputed by the consumer ... the agency shall ... reinvestigation to determine whether the disputed information is inaccurate ... or delete the item from the file ... before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Ino ther words, by law the credit reporting agencies have 30 days to investigate UCES challenges. The credit report companies can verify, modify, or delete a negative credit bureau item in question. If a creditor takes longer than 30 days to respond back, the information should be automatically deleted from the consumer credit report.
 

How Much Can Rebuilding Your Credit Score Save You?

 
Compare a typical car loan financing $20,000 over 72 months. Consumers with really bad credit scores could pay up to $200 per month, or $14,500, more for the same car. If you have many open credit items, improving your credit score could save you hundreds of dollars each month.
 
Credit Score Interest Rate Monthly Payment Finance Charge Credit Score Cost
750 6.50% $336.20 $4,206.29 $0.00
700 7.00% 340.98 4,550.56 344.27
650 9.00% 360.51 5,956.77 1,750.48
600 12.00% 391.20 8,152.27 3,945.98
550 17.00% 444.92 12,034.42 7,828.13
500 20.00% 479.06 14,492.06 10,285.77
450 23.00% 514.46 17,041.27 12,834.98
400 25.00% 538.74 18,789.53 14,583.24
Raise Your Credit Score Quickly and Legally
 
Take a look at the results so far. When a negative item is removed from your credit report, you will increase credit scores legally with the three credit reporting agencies.
 
Negative Credit Report Items No. of Deletions
Late Payments (including Late Payment History) 129,008
Collections (including Collections, Charge-Offs, Settlements, Repossessions and Foreclosures) 305,579
Public Records (including Bankruptcies, Garnishments, Judgements and Tax Liens) 51,781
Demographic Info (including Address Corrections, Name Corrections, Employment History & Inquiries) 14,899
Total Credit Report Items Deleted as of 4/12/2010 501,267
 
Visit our sample results page to view actual consumer
credit report dispute feedback.
 
What is a Credit Score
 
Credit scores and what they mean: Fair, Isaac and Company advanced the theory of the credit score model for use by finance companies. Now, nearly every credit report agency and finance company calculate your credit score (FICO score) based on their formula.
 
  • Credit scores are being used more and more by potential employers as a condition of employment.
  • Credit scores are now being used to establish car insurance and utility prices.
 
The credit score combines various attributes of your credit report, including payment hisotyr, amount of debt versus available credit, lengh of credit history, and quantity of credit used.
 
 
  • The duration of a consumer's credit history makes up 15% of the FICO score.
  • A consumer's payment history makes up 35% of credit rating score.
  • The kind of open credit a consumer has makes up 10% of their credit bureau score. The main categories of credit are revolving, installment, and open accounts.
  • The total debt versus available credit makes up 30% of the credit score.
  • The quantity of freshly-started credit makes up 10% of the credit score.