Optimized Credit Report & Score...

You follow this 7 steps : 1. Nothing negative shows on your credit report. 2. Minimum 2 or 3 Revolving accounts. 3. At least one installment loan as (student, home, equipment, etc). 4. Oldest account most be open at least five years old. 5. Large credit limit helps. 6. Minimal inquiries. 7. Correct full personal information.


Consumer law allows you to ensure that your credit report is accurate and information was reported fairly, People has the right to contact the credit report agencies directly to dispute items that are inaccurate on your credit report. Speedy Credit Report Inc. has been helping consumers in the last ten years making the credit restoration process easily and efficiently, guiding people to the right path with the right process, so their credit restoration will become as they expect it and as it should be. During all the process Speedy Credit Reports Inc. do what they better do: review, investigate, challenge and dispute such questionably negative credit report items with the three major bureaus

No matter how bad you think your credit is

CHANCES ARE, WE CAN HELP. Making a late payment on your credit card, mortgage or loan can hurt your credit score and affect your overall credit health. Whether you are just three days late or 30 days late, not paying your bills on time could affect you for months and potentially years to come. Effects of Late Payments Banks and issuers consider payment history when evaluating your credit risk and deciding whether or not to approve you for credit. A long-standing history of on-time payments suggests that you are a responsible and reliable borrower; a poor history of on-time payments suggests that you may not repay debts and could result in a costly loss to the bank or issuer. Being unreliable


A high credit score can set you up for many perks and low-interest loans. You’ve been diligent about paying the your bills on time, took steps to clean up your credit report of errors, and have even paid down your credit card balances. Having a highcredit score and good credit history can set you up for many perks and low-interest loans and offers in the near future. While you can still survive with poor or less-than-stellar credit, those extra points will end up saving you money in interest charges over time and can also give you some more negotiating power. Whether you’re moving to a new city, are ready to get your first mortgage, or just want to avoid some of the inconveniences of setting

What to Do if You've Made a Late Payment

If your bills are past due, the sooner you can pay the bill, the better. The damaging effect of a late payment on your credit score can increase the longer the delinquency. If you've made a late payment recently, you could attempt to do the following: Request removal of a late payment fee. If you're in otherwise good standing with your bank, consider getting in touch with them and requesting that the late fee be forgiven and removed. Work to reset your penalty interest rate. If a late payment caused your interest rate to increase, your issuer is generally required to reset your interest rate back to the pre-penalty rate if you make six months of on-time payments, so get back on track and sta

Saving hundreds, thousands of dollars...

Let’s review where we are with all the ways bad credit can harm good, well-meaning people. If your credit isn’t up to par: 1. You’ll pay more for car loans. 2. You’ll pay a great deal more for your credit cards, and 3. You’ll pay a frightening additional amount in mortgage interest—literally, a fortune. In fact, borrowing of every conceivable kind will cost you more—a lot more. Lifestyle: The cost of poor credit isn’t just in the additional money you have to spend to get by—it’s also in the THINGS YOU DON’T GET TO DO. 1. If you don’t qualify for the best rates on loans and credit cards, you don’t get to invest the extra money spent. 2. If you don’t qualify for the best rates on loans a


Your FICO score is just a mathematical reflection of the various facts that appear on your credit report. That's all it is: 1. every negative fact in your report drive your score down. 2. if a negative fact disappears from your report, your score goes up.

5 Tips that helps Raise Your credit score

[if !supportLists]1. [endif]Manage Your Payment History. [if !supportLists]2. [endif]Control Your Use of Available Credit. [if !supportLists]3. [endif]Age Your Accounts. [if !supportLists]4. [endif]Mix Your Credit Types. 5. Minimize New Credit. keep learning.... Regarding on tip # 1 of the blog Manage Your Payment History, the way fico is evaluating this factor is: 1. How often have you failed to pay on time? 2. How far “past due” were you? 3. How much did you fail to pay? - Use an automatic payment system for loans with fixed payments (installment loans, mortgages, etc.); and for revolving credit payments establish a reliable calendar or “reminder” system that you can count on. - Never


Here’s how the American population stacks up in terms of scores: - Thirteen percent of the population have a FICO of 800 and higher. - Forty-five percent are in the 700-799 range. - Twenty-seven percent have scores that fall between 600 and 699. - Thirteen percent are in the 500 to 599 category. - Two percent have a score under 500. In general, you will qualify for the best possible rates on most types of loans with a 750 or higher. A 720 will get you nearly the best rates. A 680 will get you a decent rate most of the time. Anything below a 600 and you will find it very hard to get any sort of loan at all. In the range from 600-680, you can probably find a loan or credit card, but the intere

The Credit Reporting Agencies

These CRAs work for the lenders (the OCs). They accumulate information from lenders, compile it, and sell it back to the lenders. Again, this is a pretty simple business model. Their main concern is to keep their lender clients happy. Remember that the three CRAs all compete with each other. Their incentive is to compile negative information on consumers, and to report lower credit scores, because they know that if the information they report is negative, their client lenders make more money. They look at it this way: The more unfavorable the data they report to a lender, the more likely that lender will continue to report to them and to pay them for future “inquiries.” The US Government: Wi

After 10 years we are coming harder and efficiently...

1. The history of using credit plays a big role in your future. 2. By law, you have the right to dispute negative items, if the item can't be verified then it most be removed from your credit report. 3. The law affords people who are being unfairly labeled as having bad credit with the ability to dispute any of the questionable items in the credit reports in an effort to have them permanently removed. 4. The lower the score is, the riskier the banks and lenders felt you. 5. higher score lower interest rates...SAVE MONEY. 6. Your credit scores represent your financial reputation.


You’re looking for inaccuracies and/or information you don’t recognize. The Federal Trade Commission in 2013 said about 1 in 5 Americans had erroneous information on at least one of the three credit reports. Among the surprises people have found on credit reports: 1. Collections accounts or judgments they didn’t know about. 2. Paid accounts showing as open. 3. Incorrect name and/or Social Security number. 4. Open accounts they knew nothing about. 5. Incorrect debt amounts. It’s important to dispute any errors you find. Most experts say you should pull your reports from the credit bureaus at least once a year, staggering the requests so you get one report every four months. But there are

Scoring factor

Each item is equipped with its own level of severity and the power to damage your credit score. - 35% Payment History. - 30% Amounts own. - 15% Length of credit history. - 10% New credit. - 10% Types of credit. Subscribe for more details...


- There is a TIME CLOCK in how long a debt are collectable, depends on the type of debt and the state... - the status of limitation starts...

Optimized Credit report score...

You most have: Minimum two or three revolving accounts. Open account at least from 5+ years old. Minimal inquiries. Personal information 100% accurate. Large credit limits help. lower your revolving debts as much as 30% each. Do not have Negative items.

Don't and Do's

Don’t New number trick: Some credit repair agencies advise you to start a new credit file by getting a new tax ID number — CPN, credit profile number, or EIN, an IRS-issued Employer Identification Number — to use in lieu of your Social Security number. The new number may resemble a Social Security number. This trick is illegal. The FTC warns that scammers may be selling stolen Social Security numbers, often taken from children. By using a stolen number as your own, the con artists involve you in identity theft. Lying trick: Scammers may tell you to give false information on your applications. The FTC reminds consumers it’s a federal crime to lie on a credit or loan application, misrepresent


Each item is equipped with its own level of severity and the power to damage your credit score, we know the right process to challenge or disputing all derogatory items as misleading, inaccurate, untimely, biased, incomplete or unverifiable information.

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Speedy Credit Reports 

37-08 SW 59TH 

Davie Fl 33314