RepairCreditScore101.com
Your FREE Guide to Improve Your Credit Score

www.RepairCreditScore101.com

 



Free Credit Score - Introduction

 

There are many misconceptions about free credit scores out there. There are customers who believe that they don’t have a credit score and many customers who think that their credit scores just don’t really matter.

These sorts of misconceptions can hurt your chances at obtaining some jobs, getting better interest rates, and even your chances of getting apartments.

The truth is that if you have a bank account and bills, then you have a credit score. And your credit score matters more than you might think.

Your credit score may be called many things, including a credit risk rating, a FICO score, a credit rating, a FICO rating, or a credit risk score. All these terms refer to the same thing: the three-digit number that lets lenders get an idea of how likely you are to repay your bills.

Every time you apply for credit, or apply for a job that requires you to handle money, or even apply for some more exclusive types of apartment, your credit score is checked.

In fact, your credit score can be checked by anyone with a legitimate business need to do so. Your credit score is based on your past financial responsibilities and past payments and credit record, and it provides potential lenders with a quick snapshot of your current financial state and your past repayment habits.

In other words, your credit score lets lenders quickly know how much of a credit risk you are. Based on this credit score, lenders decide whether to trust you financially. And they give you better rates when you apply for a loan. Apartment managers can use your credit score to decide whether you can be trusted to pay your rent on time. Employers can use your credit score to decide whether you can be trusted in a high responsibility job that requires you to handle money.

The problem with credit scores is that there is quite a bit of mis-information circulated, especially through some less than scrupulous companies, who claim they can help you with your credit report and credit score - at a cost, of course.

Reading advertisements and suspect claims, customers sometimes come away with the idea that in order to boost their credit score, they have to pay money to a company or leave credit repair in the hands of so-called “experts.”

Nothing could be further from the truth.

It is perfectly possible to pay down debts and boost your credit on your own, with no expensive help whatsoever.

In fact, the following 101 tips can get you well on your way to boosting your credit score and saving you money.

By the end of this credit repair course you will be able to:

  Define a credit score, a credit report, and other key financial terms.

  Develop a personalized credit repair plan that addresses your unique financial situation.

  Find the resources and people who can help you repair your credit score.

  Repair your credit effectively using the very techniques used by credit repair experts.

Plus, unlike many other resources on credit repair, this site will show you how to deal with your everyday life while repairing your credit.

Your credit repair does not happen in a vacuum. RepairCreditScore101.com will teach you the powerful strategies you need to build the financial habits that will help you keep a high credit risk rating. It really is that simple.

Start reading and be prepared to start taking small but powerful steps that can have a dramatic impact on your financial life!