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Credit Scoring and Life Needs

Posted by Percy A Lowe on July 2, 2012 at 9:40 AM Comments comments (1)

 So, often we try to find ways to rebuild our credit scores. But our credit is being pulled for everything. But not everything our credit score is pulled for is being reported on our credit report monthly. Although we make the payment on time for over a life time. It is strange that everyone wants to pull our credit but not everyone wants to report that we are paying on time. If we just take a look at the things below that normailly our credit is pulled for: 

1. Down Payments

2.  Rent

3. Utilities

4. Car Insurance

5. Rent to Own Accounts

6. Cell Phone

7. Home Phone

8.  Department Store cards

9. Gas cards

If you had a chance to add clothing and food to this list. To help you build a trade line on your credit report so, that you could build your credit score up that would be awesome. Because those are things you going to continue to deal with for the rest of your life. Then while going thru the credit restoration process your score can build faster. Learn how to take your life needs and rebuild your credit score all the time. While going through the credit restoration process.

Backwards Credit Reporting

Posted by Percy A Lowe on June 18, 2012 at 11:20 AM Comments comments (0)

There are times when credit is being pulled for various things. For, one is how much we have to pay just to get started. Then that determines how much we pay monthly over a period of time. The problem is after everything is decided not one payment is reported to the credit bureau as a positive payment. Some of the things we do this for are for life needs. Most of the time during the home buying process you can have a third party report that says you pay your bills on time. Not having this reported as positive payments towards your credit score is not right. This is where you the consumer needs to become educated on how I can get my life needs reported positively on my credit report. To reflect my financial character as more acceptable. Learn how to raise your credit scores and credit worthiness at the same time.