I just got in the mail this scamming companies ad. Its all too bad that the FTC does nothing to keeping these credit predators in check. TIP: To raise your credit, 3 credit cards no more no less, pay off all 3 every month so another words live within your means. Every month you do that, when reported to the credit agencies, you get an increase in you FICO score. Car loans do nothing for you until you pay it off. They are a scam too. Student loans lower your score no matter what. Pay them on time though or ask for deference’s or forbearances. You can in big trouble with them. Any medical you should make sure never get into your credit report. Home loans do wonders for credit. Pay off you student loans and your cars with home loans. Its cheaper and results in a better scoring when they get paid off. Again make sure you can afford it. Stay away from any credit card company that claims to report. Have them prove it and fully. Some companies only report certain information which can actually hurt you. Orchard bank and Household Finance are two great companies if you have bad credit and want to restore your credit. To learn more go to: http://www.creditinfocenter.com/Books / and get all the books. You will be amazed what federal laws protect your good name.
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