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Credit Repair Tips and Solutions

This is a brief list of credit repair tips and solutions for those who are looking for bad credit history repair. Believe it or not, there are things that you can do which are legal and effective. There are many companies which sell credit repair tips and solutions. There are software programs, books, newsletters and a range of services directed at those who are in need of bad credit history repair. But, the best credit repair tips and solutions are the free ones, at least in the opinion of this writer.

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Five Ways To Improve Your FICO Credit Score, Get Lower California Mortgage Rate. 

Over 30 million people in the U.S.A. have credit scores low enough (less than 620) to make shopping for low mortgage loan rates very difficult at best. The major credit reporting agencies use a slightly different system to arrive at a credit score. The best known is called the FICO score, developed by Fair Isaac and Company (FICO). A FICO credit score can range from 300 to 800. Most borrowers fall into the 600-800 credit score range.

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How To Get The Right Credit Score

Imagine that you are going into a lender's office prepared to apply for and receive a loan. You know what your credit scores are and you even got one score from each of the three major credit bureaus: Equifax. Experian, and TransUnion. You are shocked when your loan is denied, or maybe you were approved, but the interest rate is much higher than you anticipated. How can that be you say? My credit score is good, I know I checked. Maybe it's not as good as you think. It all depends on there you got it and what kind of credit score it is.

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Credit Score: A Guide to Credit Scoring and Improving Your Credit Score

Don't get excited guys, this is not that kind of score and its impact lasts much longer than 30 seconds. We are talking about credit scoring and credit score that is also known as FICO (Fair Isaac & Co.) score.

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Credit Repair Myths and Facts

There are no secrets to repairing your credit. Many shady credit repair agencies would love you to think the contrary. Negative items can be removed from your credit report and you can do it yourself. One does not need a credit repair “expert” or “law firm” to do it either. While the credit world can seem complex to the average individual, the basics are really simple once you know them.

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