Helpful Tips To Repair Your Credit
Did you know that there are some helpful secrets that can raise your score up to 60 points in 30 days with one letter or phone call? We are not joking, this is no gimmick, there really is a technique pattern out there that can do this and i have personally used this technique with hundreds of clients.
When you buy your home, the lenders give you the choice of using a gift of money from a family member as your down payment. Well instead of having family member gift you money, have them gift you credit history which will give you more buying ability. I want to make this clear right off from the start that you only want to use the technique Im about to share with you with family and friends that have a 700 credit score or higher! If a family member does not have this high of a score then use a friend who does. This credit technique is called mirroring a trade line.
The first step to mirroring a trade line is to decide on the person's credit you want to mirror. Once again only ask someone who has a mid 700 credit score or higher. Once you have found the individual, you can safely let them know that if they use this credit technique that there is nothing you can do to hurt their credit. Let them know that they will be giving you a gift of credit history that will help you make the purchase you need to make. Also let them know that they can remove you from their credit accounts at any time and most people remove you from their accounts after the purchase is made.
The way that this secret technique works is that you are having some ones good credit history attached to your social security number and your name. For example, if my sister doesn't have good credit and i have 15 years worth of good credit history, i could add her to a few of my good credit accounts. If i added her to a discover card that i have had for 3 years, it would copy 3 years of really good standing credit history on to her account. So how exactly do you mirror?
Have the people you have picked to help you get some credit history call one or two of their credit card providers. Credit card providers are the easiest to be added onto. Have the friend or family member tell their credit company that they want to make you a joint applicant on the account. Make sure that the credit card company asks for your social security number as this is the only way credit history is associated to your report.
There is one warning to be explained when using this technique however. If you mirror someones credit accounts and history and they do something to mess up their credit, it will effect your credit score and lower it. If you know someone is about to go through a hard time financially, make sure you get taken off their credit accounts to ensure that your credit score doesnt go down the tubes. - 16931
When you buy your home, the lenders give you the choice of using a gift of money from a family member as your down payment. Well instead of having family member gift you money, have them gift you credit history which will give you more buying ability. I want to make this clear right off from the start that you only want to use the technique Im about to share with you with family and friends that have a 700 credit score or higher! If a family member does not have this high of a score then use a friend who does. This credit technique is called mirroring a trade line.
The first step to mirroring a trade line is to decide on the person's credit you want to mirror. Once again only ask someone who has a mid 700 credit score or higher. Once you have found the individual, you can safely let them know that if they use this credit technique that there is nothing you can do to hurt their credit. Let them know that they will be giving you a gift of credit history that will help you make the purchase you need to make. Also let them know that they can remove you from their credit accounts at any time and most people remove you from their accounts after the purchase is made.
The way that this secret technique works is that you are having some ones good credit history attached to your social security number and your name. For example, if my sister doesn't have good credit and i have 15 years worth of good credit history, i could add her to a few of my good credit accounts. If i added her to a discover card that i have had for 3 years, it would copy 3 years of really good standing credit history on to her account. So how exactly do you mirror?
Have the people you have picked to help you get some credit history call one or two of their credit card providers. Credit card providers are the easiest to be added onto. Have the friend or family member tell their credit company that they want to make you a joint applicant on the account. Make sure that the credit card company asks for your social security number as this is the only way credit history is associated to your report.
There is one warning to be explained when using this technique however. If you mirror someones credit accounts and history and they do something to mess up their credit, it will effect your credit score and lower it. If you know someone is about to go through a hard time financially, make sure you get taken off their credit accounts to ensure that your credit score doesnt go down the tubes. - 16931
posted by Edgar at
06:11
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