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Good Credit Health: Part One Eliminate harmful data errors from your credit file Your credit score is calculated from the numerical data in your credit report. Over time, its likely these data can become outdated, inaccurate or even corrupted. If so, your credit file is considered unhealthy. When inaccurate, or sickly data are used to calculate your credit score - it too becomes sick and inaccurately lower than it really should be. The first step toward good credit health is to eliminate all data errors and ensure your credit score is being calculated using accurate, healthy information. ACC finds these errors automatically, and prepares the correct documents to get them corrected. All you do is print and mail. A few examples of actual data errors ACC detected:   Misreported Credit Balance 18 point increase A credit card reporting to all three credit repositories (Equifax, Experian and TransUnion) had an actual credit limit of $5,000, and a current balance of $1,440. One of the repositories incorrectly reported the credit limit as $84. The credit score was lowered because it assumed this borrower was significantly over the credit limit. Correcting this error increased the credit score by 18 points.   Incorrect Account Status 32 point increase A consumer's mortgage loan was purchased by a new lender. The accurate credit file would show the original mortgage with a $0.00 balance and a status reflecting that the loan was transferred. The new loan would also appear on the credit report. However, two of the repositories continued to report the original mortgage with its full, original balance owed, while also reporting the new mortgage loan. The credit score was calculated based on the borrower having two recent mortgages rather than one. Correcting this error increased the credit score by 32 points.   Invalid Collection Account 122 point increase ACC detected a collection account that wrongly appeared in a consumers credit file. After following ACC's instructions the account was permanently removed from the file. The result? The affected bureaus credit score increased 122 points which qualified the applicant for the best loan rates possible.       Good Credit Health: Part Two Using credit cards correctly can raise your credit score The great majority of consumers use credit cards in ways that harm their credit scores. Even if you have made your payments on time, odds are your credit score is lower than it should be simply because you haven't been shown how to use your credit cards correctly. Do you have too many credit cards or not enough? Are you using your credit cards too much, or not enough? Are your credit balances too high, or too low? ACC performs a detailed review of your current credit use - and gives you a personalized plan to optimize your credit use so that you get the highest credit score you deserve. A few examples of actual credit usage errors ACC detected:   Lowered Credit Card Balance 78 point increase ACC detected that the consumer used one credit card too much. After paying the balance down to the designated amount, the credit score increased by 78 points.   Transferred Money to Another Card 63 point increase ACC identified a common usage error in which one credit card is heavily used, while others were used very little. ACC suggested transferring a specific amount from one credit card to the other. This action required no out of pocket cash and increased this consumers credit score by 63 points.   Opened A $300 Limit Credit Card 51 point increase ACC identified that a consumer's credit score was being harmed because he did not have enough credit card accounts. ACC suggested the consumer open one new credit card with a $300 limit. After opening this single credit card, the consumers credit score increased 51 points.   Our Automated Credit Coaching (ACC) is simple, strait forward and effective. It helps you eliminate score lowering data errors, while also suggesting how you should use your available credit cards to have the greatest positive impact on your credit score. And its the only system offered by mortgage professionals.     Credit Repair & Coaching Inquiry Form               First Name:             Last Name:        Email Address:     Evening Number:  Day Time Number:    Property address: City:   State: - - AL AK AZ AR CA CO CT DE DC FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA PR RI SC SD TN TX UT VT VA WA WV WI WY   Zip Code: I'm interested in Buying a Home  Refinancing my Mortgage Free phone consultation Yes  No (if No is selected we will contact you by email only) Best call back time 9am-10am PST 10am-11am PST 11am-12noon PST Noon-1pm PSTSelect time 2pm-3pm PST 3pm-4pm PST 4pm-5pm PST 5pm-6pm PST 6pm-7pm PST 8pm-9pm PST

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