BOOST YOUR CREDIT SCORE

Brought to you by: School Of Credit Repair

Disclaimer:

This Credit eBook has been developed solely for information purposes only. The
author is not giving any advice on any subject, and is not giving legal, financial,
or credit repair advice to anyone. We cannot guarantee the accuracy,
correctness or intended use of the information presented. As with any credit or
legal matter, a consumer should seek legal counsel

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Welcome to the CREDIT BOOST ebook. Before reading this book we
want you to first evaluate your credit situation. This book is specifically
intended for clients who are looking to establish credit, re-establish
credit or get a good boost on your credit score or your current credit
report. In order to fall in these categories the following kind of accounts
cannot be on your credit report:

TAX LIENS

ANY TYPE OF COLLECTION ACCOUNTS

DELINQUENT PUBLIC RECORDS

DEFAULTED STUDENT LOANS

REPOSSESIONS

FORECLOSURES

ANY OTHER CLOSED DELINQUENT ACCOUNT

Note: If you do have any of these accounts on your report you should
first purchase the DIY CREDIT REPAIR EBOOK to start the process on
getting these accounts removed in order to get a fresh start.

If you have defaulted student loans purchase the GET YOUR STUDENT
LOANS OUT OF DEFAULT book.

Ok now you’ve determined this is the book you were looking for.

NOW LET’S GET STARTED!

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FOR THOSE WHO HAVE NO CREDIT AND THOSE LOOKING TO BOOST
THEIR CREDIT:

You are new to credit and have nothing on your credit report. There are
two major things you can do to boost your credit fast. Super-fast boost
which is the most popular boost but it will cost you some money or the
old fashioned credit boost which is free but is a little bit more time
consuming.

MOST POPULAR SUPER FAST CREDIT BOOST:

The most popular way to get your credit score boosted fast is to be
added on to someone else’s account as an authorized user. Remember
you cannot simply be added on to anyone’s credit card account. You
have to make sure it’s someone with a good credit history. The person
should not have high utilization. They credit utilization must be below
25% and at have least 1 year of on time good payment history. They
cannot have any late payments on their record or this will affect you.
This can usually be done with a family member or someone you trust.
Sometimes it’s really just impossible to find people who meet these
qualifications. So some people purchase trade lines online or you can
email [email protected] and request a list of trusted sites
that have quality trade lines for sale.

Using Trade lines is a well-known secret of credit repair companies,

mortgage brokers and real-estate agents. These “Trade lines” can boost
your credit score by 100s of points literally overnight. Mortgage brokers
and real-estate agents have been using trade lines for decades to help
their clients quickly boost their credit scores so that they could qualify
for loans and home purchases. There is nothing easier and faster than

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adding a trade line to your credit report to boost your credit score fast,
really fast.

So what exactly is a trade line?

A trade line or trade reference as they may also be called is simply an

account on your credit report. Every account, whether it is good or bad
is called a trade line or trade reference. To explain further, think of it
like this: when you open up a credit card, soon, after you receive it in
the mail and start using it, it will show up on your credit report. As you
use it and pay it off (hopefully you’ll be paying it off regularly), the
banks let the credit bureaus know that you have been making all of
your payments on time. As years pass, the credit card account or trade
line becomes aged or seasoned. The more age your trade line has, the
better it impacts your credit score. The ideal account to have on your
credit report is one that has a high limit, a low balance (25% or less),
and at least 1-2 years of history. This credit card account is called a
revolving trade line which has 2 years of seasoning. But there is more to
know about trade lines than just this… There are different types and
different designation – Primary Trade lines and Authorized User Trade
lines.

Primary trade lines are accounts that belong to you. This means you’re
financially responsible for all debts on this account and you are the
“Primary Account Holder”. (we will later tell you how to get these
accounts)

Authorized user trade lines are accounts that belong to others and you
have been added as an “Authorized User” to that account. This mean
that the primary account holder has financial responsibility on this
account, even if it’s clear that the charges were made by the authorized

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user. To repeat, the authorized user is not liable for the debts on the
account, unless expressly stated by the issuing bank.

CREDIT BOOSTS FOR THOSE RE-ESTABLISHING CREDIT

Another way to establish credit is to simply get credit. This is very
simple; you do this by opening a credit account and building credit
worthiness/profile. It’s easier said than done because most people just
have no clue where to go to open these accounts. They find themselves
applying over and over again and being denied over and over again.
After being in the credit field for so long we find out what places to go
to and get what you’re looking for AN APPROVAL. I recommend
opening 2 credit card accounts and one installment account to get
started. It is very very important you PAY YOUR BILLS ON TIME. You
don’t want too many accounts because too many inquiries will hurt
your credit before it has even gotten started. My team and I have
designed a list of creditors that will definitely grant you credit as well as
report to the credit bureaus right away. The key is to make sure you
keep your credit card utilization under 25% as well PAY ON TIME.
Remember ONE LATE PAYMENT can backtrack your score 50 points or
more and put you in a worse position than before getting the credit
account.

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 Credit cards for people with NO CREDIT OR LOW CREDIT SCORES:
Credit Building/Re-Building

Capital One (MOST APPROVALS) please only apply if you DO NOT have
a capital one account already. There are two specific cards that’s
usually approved 99.9% of the time if you include the below info on
your credit card application. They will approve you for at least $300 on
each card. That’s $600 in credit (you have now got the money you paid
for this book x20) Capital One Platinum (24.9% APR) *NOT THE
PLATINUM CLASSIC OR PLATINUM PREFERRED* and Capital One
QuickSilverOne Rewards *make sure its NOT THE QUICKSILVER ONLY*
(0% APR until Feb 2016)

Go to www.capitalone.com and click on credit cards then click

Compare Credit Cards.

You will first apply for the Capital One Platinum. Which is about half
way down the list. Be sure it is the one with these factors. (BE VERY
SURE BECAUSE IF YOU APPLY FOR THE WRONG CARD YOU WILL BE
DENIED).
Purchase Rate:

24.9% variable APR

Transfer Info:

24.9% variable APR; No Transfer Fee

Annual Fee:

$0 intro annual fee for the first year $19 after that

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Next you will apply for the Capital One QuickSilverOne. Which is the
second card above the Capital One Platinum. Be sure it’s the one with
these factors. (BE VERY SURE BECAUSE IF YOU APPLY FOR THE WRONG
CARD YOU WILL BE DENIED).
Purchase Rate:

0% intro APR until February 2016; 22.9% variable APR after that

Transfer Info:

0% intro APR until February 2016; 22.9% variable APR after that; No Transfer Fee

Annual Fee:

$39 Annual fee

IMPORTANT: For Capital One’s approval you must follow these steps
and make sure these things below are included on your online
application:

TOTAL ANNUAL INCOME MAKE SURE YOU PUT $50,000 - $80,000.00

MAKE SURE YOUR CHECK YOU HAVE CHECKING AND SAVINGS

ACCOUNTS

AND YOU OWN YOUR HOME MONTHLY RENT/MORTGAGE PAYMENT

PUT $500.00 (AFTER YOUR APPLICATION IS COMPLETE DOUBLE CHECK
EVERYTHING AND PRESS SUBMIT)

It should take a moment to process and say you have been approved
and your card will be mailed to you in 7 to 10 business days.

Congratulations: You have not got your first two credit card accounts
as well as primary credit card accounts. Remember keeping these
accounts current with low utilization for about 3 months will give you a

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credit score boost of 30+ points already established credit and 200 pt
boost on a new credit profile.

Next you need to get at least ONE of the below INSTALLMENT

ACCOUNTS.

Installment accounts are those that have a fixed payment for a fixed
period of time. You are not required to pay them in full each month.
You are allowed to make a payment that is going to be the same every
month until the loan is paid in full. Lenders charge you an annual
percentage rate (also known as an APR) and this is how they make
money

Below are very trusted installment accounts. If you complete the entire
application process and paperwork they will grant you a credit approval
whether you have bad credit, no credit and/or for people re-
establishing credit. Again I recommend you have at least two credit
cards and one installment account to start the process of building your
credit. IMPORTANT: you must make sure you paying your installment
account on time each month. My suggestion is to set up an automatic
payment to come out of your checking account so you don’t have to
worry about keeping up with dates. Below is the list of installment
accounts that will finance you and report to the bureaus within 60 days
and will report every month after that. Some of these installment
accounts have a selected of amount of merchandise but remember
you’re only using the accounts to boost your credit score.

http://www.jackswarehouse.com/pages/no-credit-check-financing
(furniture

http://www.diamondnational.com/ (jewelry)

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https://www.astrohomestore.com/en/ (electronics, appliance,
furniture)

http://www.abt.com/financing (furniture)

https://www.crownjewelers.com/Application.asp (jewelry)

Again be sure to read over all credit approvals and contracts. Only sign
up for one of these installment accounts if you can actually pay the
monthly payment on time each month.

Next is a list of secured credit cards.

Again, I advise clients to have at least 2 credit cards and one installment
account to start the process of rebuilding your credit. I’m positive about
75% of the people who purchased this book probably has already
applied for capital one or already has a capital one. If this is the case
then you would have no choice but to start up a secured credit card.
Most people don’t know the difference between a secured credit card
and an unsecured credit card. A secured card requires a cash collateral
deposit that becomes the credit line for that account. For example, if
you put $500 in the account, you can charge up to $500. You may be
able to add to the deposit to add more credit, or sometimes a bank will
reward you for good payment and add to your credit line without
requesting additional deposits. This means in order to get a secured
card you must have at least $300 in most cases. Below is a list of really
good secured cards. I recommend USBANK to most clients only because
it does not show secured on your credit report and their process is
pretty simple. You simply go into the bank and let them know you want

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to open a secured credit card and they will do everything else for you.
You must have $300 to open this account.

https://www.openskycc.com/Application.aspx

https://blazecredit.com/ApplySecured/ApplicationInfo.aspx

https://firstpremier.com/

https://www.firstprogress.com/

https://www.oneunited.com/unity-visa/

https://firstpremier.com/

http://www.merrickbank.com/Credit-Products/

eLancard - The Napoleon State Bank

eLancard - First National Bank

Banks that offer secured Credit Cards

Citibank

USBank

Wellsfargo

Suntrust

Bank of America

FOR THOSE WHO ALREADY HAVE CREDIT:

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This is for people who actually already have credit cards, loans, car
notes, home loans etc. Some people have either fell behind at some
point and can’t figure out why their credit score has not gone up. Some
haven’t fallen behind but their credit score is simply stuck in the same
place. It doesn’t matter what your case scenario may be. These
important facts included in this section will guide you in the direction to
you need go to start at getting the perfect credit score. First of all, you
must evaluate your credit. The number one thing you are looking for is
being current on all accounts. Car notes, credit cards, student loans,
mortgages and the list goes on. IF YOU ARE NOT CURRENT YOUR
CREDIT SCORE IS BEING DRAMATICALLY AFFECTED IN A VERY NEGATIVE
WAY. Under your account it should say current not 30 days, not 60
days but current. The next very important thing to look for is credit card
utilization. Most people would say ”I have good credit because I always
pay my credit card bills on time. I pay the minimum plus about $20.”
but this does not matter if you are still close to your limit. You must
make sure you are NOT over 25% utilization. An example would be if
you have a $1000 credit card limit please stay under $250 usage. Try
your best not to use over $250 of this card. If you do have to use over
this amount make sure you pay it back under 25% before your credit
card due date. Another thing I’m noticing is that most people think if
they DO NOT use their card this is helping them. THIS IS NOT TRUE.
When you get your credit card PLEASE USE IT. Even if it’s for gas,
groceries or simply a night out, please USE YOUR CREDIT CARD. Just
make sure you follow the steps above. Stay under your 25% utilization
on all your credit cards.

LATE PAYMENTS AND REMOVING LATE PAYMENTS

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Unfortunately, this is the biggest reason Consumers credit scores fall
short. If you have missed payments, start paying regularly and stay
current. Use online bill pay through your bank to schedule automatic
payments for your monthly credit card, utility, rent, mortgage and
other bills. Your payment history has the greatest effect on your credit
score — contributing to over one-third of that important number —
and missed or late payments are not easily fixed. But the longer you
pay your bills on time the more your score will increase.

Don't be discouraged if your credit score doesn't improve immediately.

Paying off a collection will not remove it from your credit report. It'll
still stay on there for seven years. It’s best to actually follow the steps in
the DIY CREDIT REPAIR EBOOK guide on www.aathemoneycoach.com
to actually get these accounts removed. AGAIN DO NOT PAY OFF AN
ACCOUNT WITH A COLLECTION AGENCY! You have not gotten your
debt at that collection agency so don’t pay it there and in no way would
this improve your credit score if you have not got an agreement from
that agency to delete that account upon payment.

Below is a table of how the credit bureaus will knock your score all the
way down from one late payment:

People with a 680 saw their score drop to 530.

People with 720 saw a drop down to 525.

People with 780 saw their credit scores drop as low as 620.

The only FREE way to recover from this is to actually get current and
pay on time for 6 months and you will see your score increase every

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month. You can also pay aathemoneycoach.com or any other
professional credit repair companies to remove the late payments.
Some of my clients have been very successful by simply requesting their
lender, bank, credit card Company etc. to remove the late payment
after making some payments on time. You can simply call in and ask to
speak with the credit reporting department and if the rep can’t help
you request a supervisor before accepting a NO. The supervisor may
inform you of company policy against making these sorts of changes,
but they do them all the time! Be convincing and concise with the
reason you were late, and try to stress the positive elements of your
relationship with them. Most are reasonable and willing to transfer you
to the reporting department for removal. But some banks simply will
not change the reporting. They will only remove the late fee. But it’s
worth the try with this method before trying the method below. It’s
best to try the less strenuous route before doing the route which
requires more work.

The next method to possible remove late payments is the Goodwill

adjustments way. A good will adjustment refers to a company removing
or changing information on your credit file without legal justification.
After trying the phone method the next step is to draft a letter and
send it through the mail. Since you are not the phone, the company has
more time to mull over whether or not to make the adjustment for you.
The letter might end up in the hand of someone with more authority to
make these kinds of changes.

Good will letters aren’t exclusive to just late payments. You can be
creative and write a good will letter for basically any negative
information on your file. Please consider that the Fair Credit Reporting
Act does not demand that all accounts be reported, only that any

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account that is reported be reported accurately. Therefore, a company
does have legal discretion and permission to remove any account or bit
of information it chooses from the credit report.

If you no longer owe money to the creditor, they will likely tire from
wasting time opening and responding to your letters. They have no
incentive to keep reporting information if they are no longer waiting for
payment. It is often easier for them to stop reporting altogether than to
deal with your once a month letters.

Often you will not get any response from the creditor, but next time
you pull your account the trade line will be removed.

Another tactic is to search the web for names of CEOs or important

executives within the company and address letters and emails to those
people. Often, the company website will list those who have important
roles.

The Better Business Bureau has excellent contact information within

companies, including fax numbers and key executive email addresses.
Use these sorts of contacts when addressing good will letters.

There is no sure-fire approach to good will letter writing. What may

work for you, may not work for another. It is possible you will have
success with your very first letter, or it may take 20. How far you want
to take it is entirely up to you. At the end of the book you will find
Attached Good Will letters that has worked for lots of my clients. The
successful goodwill letters at the end of this book don’t specifically ask
creditors to remove negative information from the consumer’s credit
report. Instead, the letters request a “goodwill adjustment” be made.
Make sure you personalize your letters to sound sincere. Also be sure

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to notarize your letter as well as send it certified mail. Your success will
depend on the lender and the person reviewing your request. This
tactic is usually successful and will give your score a boost of 50-100 pts
per adjustment made.

Ways to avoid late payments:

Like I tell all clients the best way to avoid it is by setting up payments to
automatically come out of out your checking account. Another way is
simply contacting the credit before becoming late. Ask them if they
have any payment deferment programs or what you can do to avoid
being hit with a late reporting on your credit report. For car notes most
banks are willing to put your payment to the end of your loan to avoid
the late penalty and late reporting. Most credit card companies are
willing to adjust your due date 3 times a year. But you must make it
your business to communicate with your lenders and creditors before
the fact and due date. Of course some situations are beyond our
control but in most instances if you contact the creditor before actually
letting your account fall behind they will help you.

Even if you have late payments on your report you can always apply for
one of the installments accounts in this ebook or a secured card to
simply expand your accounts and credit limit ratio and this will also give
you a boost. You can also purchase a trade line to get an immediate
boost on your credit even if you have late payments. It will probably be
more like a 70 point increase but it will be an immediate credit boost.

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Remember to never get discourage especially if you’re trying to recover
from late payments. It takes time, focus and lots of patience to get your
score back up especially if you’re doing it the old fashion way. Please
have faith in the process.

These are the main tactics we use actually boost a clients credit score
depending on their budget. With this guide and lots of patience you can
do the same thing My team and I do and save lots of money.

If you feel you still don’t have what it takes to boost your credit score or
to at least prevent your score from dropping feel free to email us at our
support email.

[email protected]

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 Be sure to purchase and be on the lookout for my other
EBooks
*THE TRUTH ABOUT CPNS AND ARE THEY LEGAL?*

*Get your student loans out of default*

* DO IT YOURSELF! REPAIR YOUR CREDIT NOW!*

*Get approved for your dream car* *How to get approved for your
dream home*

*CREDIT SWEEPS*

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SAMPLE GOODWILL LETTER

Date

Company Name

Company Address

City, State Zip

Re: Account Number

To Whom It May Concern:

I’ve enjoyed being a customer of Chase Bank since 1995.Today, I’m writing to request a
goodwill adjustment to my credit files.

I was a model customer from the time I received my credit card in 1995 until 2006, when I
suffered a medical illness which wrecked my finances and my ability to make timely credit card
payments. As a result, I fell behind on my payments by 60 days. Fortunately, I was able to turn
my financial situation around and I’ve been timely with my payments ever since.

I’m preparing to shop for a mortgage and was told those late payments will keep me from
getting the best interest rate. I’m requesting a goodwill adjustment since the payments do not
reflect my current payment status. Thank you for your time reading this letter and the
consideration you’ve given my situation.

Sincerely,

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Date

Your Name

Your Address

Credit Card Company

Address

Re: Acct #XXXX-XXXX-XXXX-XXXX

Dear Credit Card Company,

I am writing to you today regarding my account #XXXX-XXXX-XXXX-XXXX. The purpose of my

correspondence is to see if you would be willing to make a "goodwill" adjustment on the
reporting of this account to the three credit agencies.

During the time period this account was established I had was very happy with the service, I
was however not the ideal customer and made mistakes with my handling of the account. I
should have kept better records regarding the account and I take full responsibility. I became
aware of the unpaid balance when I got a copy of my credit report in (date).

I know that payment was my responsibility and I am not attempting to justify this breach of my
user agreement, I was however hoping you might review the circumstances under which this
non-payment occurred and consider removing the negative trade line associated with this
account from my three credit reports.

As soon as I became aware of the balance I contacted ----------------- and paid the balance in full.
I provide this not to justify why the account was unpaid, but rather to show that the issue with -
---------- is not a good indicator of my actual credit worthiness. I hope that ---------------- is willing
to work with me on erasing this mark from my credit reports.

I would like to STRESS that the information currently being reported IS accurate, (I am not
disputing anything with ---------------). I am simply asking -------------for a courtesy gesture of
goodwill in having the credit bureaus remove this account from my report. I do recognize that
this request is unique and that it may not be ------------- normal policy. Please consider that the
Fair Credit Reporting Act does not demand that all accounts be reported, only that any account
that is reported be reported accurately. Therefore, a company does have legal discretion and
permission to remove any account it chooses from the credit report. I'm hoping that -------------
will do that in my case for this account.

Your kind consideration in this matter is greatly appreciated.

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Best Regards,

Your Signature

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