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How to Get an 800+ Credit Score For Free

How to Get an 800+ Credit Score For Free

How to Get an 800+ Credit Score For Free

 

 

What exactly does it take to get an 800 or higher credit score? In this post, I’m going to share with you a step-by-step process you can use today to increase your credit score for free. Zip. Nada. $Free.99. 

Most people know a little something about a credit score. They know it can affect the types of financial products.

A good score allows you to get an unsecured credit card, competitive mortgage rates and vehicle loans, plus all other types of financial products.

You can see why having a good credit score is really important to your financial life.
This is because the higher interest rates you pay, the less money you’re going to have at the end of the month.
 
Right now, would you classify yourself as having a good credit score or a bad credit score?
 
Even if you have a good credit score, it can still be increased.
 
On the flip side, the lower your credit score, the faster it can increase.
 
If you’re trying to re-establish credit or just establishing credit for the first time, you’re in luck.
 
Regardless of your score, it’s key to start where you are.
 
Here are some numbers to know. Credit scores range between 300 to 850.
 
Only about 1% the American population has an 850 perfect credit score.
 
The good news is, you don’t need a perfect credit score.
 
A credit score of 760 is usually the cutoff to getting really attractive interest rates.

This credit score number is just a snapshot of your credit-worthiness

A credit score is officially called a FICO. It comes from the Fair Isaac Corporation.
 
The official fico score was introduced in 1989 and it was a way to make credit decisions impartial and fair.
 
This impartial tool used to evaluate credit risk and it pretty much changed the credit landscape for good.
 
In the days before credit, people were often denied credit based on who they knew.
 
If you knew the Lender, chances are you would get a loan.
 
This opened up the door to a lot of unfair treatment.
 
This is because the system was not fair, it wasn’t fact based and it wasn’t consistent.

Your credit score can be used in other ways and not just for financial products.

 

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Your employer or prospective employer can also request a copy of your credit report.
 
Keep this in mind. You must ALWAYS grant permission for anyone, even your employer to access your credit report.
 
If they do it without your permission, it’s not cool; it’s against the law.
 
Who are the keepers of the score?
 
There are three major credit bureaus; Experian, Transunion and Equifax.
 
These are the ones most financial companies report your credit history to.
 
The first step in improving your credit score is to see what’s on your credit report because that ties into your credit score.
 
You can get a free credit report from these three nationwide credit bureaus.
 
They have set up one website where you can order your credit report from. It’s www.annualcreditreport.com
 
If you prefer, you can call 1-877-322-8228.
 
Mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281
 
Once you review your credit report and find incorrect items, you can use this Sample Dispute Letter.
 
If you or someone you know is deaf or hard of hearing, they can access the TDD Service by calling 711 and referring the relay operator to 1-800-821-7232.
 
For those who are visually impaired, the free annual credit report in available in Braille, large print and audio format.
 

Call 877-322-8228. Here are a couple of things about your credit report

Inaccurate information, such as negative items should automatically fall off your credit report seven years from the date of your first missed payment.
 
Request a copy of your free credit report and thoroughly review it to ensure there is no inaccurate information reported.
 
Things such as an incorrect social security number, address or names.
 
Let’s look at how your credit score is calculated.
 

Payment History

Your payment history accounts for 35% of your credit. You don’t want to miss payments because this is something that can negatively impact your credit score.
 

Late payments can stay on your credit report for up to 7 years!

 

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You really want to be vigilant and making sure you don’t let life get in the way and cause you to make late payments.
 
One suggestion is to set up automatic payments with your credit cards or financial institutions. 
 
This way, if life gets in the way and you forget to pay your bill on time, you’re not going to be penalized and get hit with a late fee, and have it impact negatively impact your credit score for up to 7 years.
 

Amount of Debt

Next is the amount of debt which accounts for 30% of your score.
 
It’s referred to as credit utilization. This is how much of your credit lime you’re using and is based on your credit limit.
 
For example, if you have a credit card with a $1,000 credit limit your balances should never exceed 30%.
 
Experts often recommend aiming for a credit utilization of 10% although having a ratio of up to 30% usually doesn’t impact your credit score.
 
Once your ratio is above 30%, it begins to negatively impact your credit standing.
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Age of Credit

Next is the age of your credit which accounts for 15%. In this situation, being old is a good thing.
 

The longer your credit history of paying on time; the higher your credit score.

Be aware that closing credit cards can impact your score in a negative way.
 
Always check your credit utilization before you close credit cards if you no longer want to pay the annual fee.
 
If you don’t want to pay that annual fee, ask them to transfer the credit line to another card.
 
Early last year, when the pandemic was in full bloom, my Chase Reserve card had an annual payment of $550.
 
It’s a fantastic credit card for travel, but travel was pretty much non-existent at that time.
 
Instead of closing the card, I asked Chase to transfer the credit line to a no fee interest card.
 
Always ask if there’s a comparable product you can use rather, than closing the account which can impact your score negatively.
 

Credit Mix

Next up is your credit mix and it accounts for 10%. This is the type of credit you have.
 
These are products such as a mortgage, a credit card or a vehicle loan. It’s good to have a nice mix.
 
These are called trade lines and lenders like to see a minimum of 3 trade lines.
 
As you build your credit score, consider having a variety of trade lines. Think of this variety as the spice of your financial life.
 

New Credit

Next up is hard inquiries and this accounts for 10% of your score. Hard inquiries are things like applying for new credit.
 
These are signing up for a new credit or getting a loan.
 
Let’s say you go to the car dealership and they’re trying to get you a favorable interest rate.
 
This action may cause you to end up with four or five or even six hard inquiries on your credit score.
 

Keep in mind hard credit inquiries can last up to 2 years, so be choosy when applying for new credit

You may want to look into securing your own financing.
 
This way, you can control the amount of hard inquiries dinging your credit score.
 
Keep in mind that soft inquiries, such as checking your own credit report, do not count as hard inquiries.
 
These are considered soft inquiries, so don’t be afraid to check your own credit score or your own credit report.
 

Let’s Debrief

At the beginning of this post, I mentioned I would give you a step-by-step process on how you can increase your credit score.
 
You now know to contact the 3 major credit viewers to get your credit report from www.annualcreditreport.com
 
Again, this is a website that’s authorized by Federal Law.
 
You also have the option of monitoring your credit score each week using a free advertiser sponsor site like www.creditkarma.com
 
And lastly, we broke down how your credit score is calculated.
 
I’ve provided a FREE upgrade if you made it this far.
 
It’s my Companion Cheat Sheet to this post to help you increase your credit score.
 
The good thing is, no email registration is needed, just click here.
 
It’s YQA Time, Your Questions Answered
 
What questions do you have about increasing your credit score or any credit score questions in general?
 
Please consider leaving a comment. I just may create an episode based on your question.
 
As always, take care of yourself first so you can take care of those you love.

7 Sneaky Ways Getting Out of Debt Can Make You Happy

7 Sneaky Ways Getting Out of Debt Can Make You Happy

 

Wwe do more than most people do all day. Let’s face it not everyone is going to be an early riser, doing more before 9 a.m. than most people do all day. That’s a pretty ambitious goal.

But I don’t think that you and everyone is up for the challenge. But for those of you that aren’t, there’s a way and a flow to find exactly what works for you.

There’s nothing wrong with it because guess what? We are all unique, we are unique individual and we’re beautiful!

because of that so the next time you feel obligated to compare yourself to others don’t compare what others do that is a form of self hate.

Stop Comparing

  • if you compare yourself constantly
  • you’re just gonna fall further and further
  • into a downward spiral depressed
  • that you can’t measure up to others you’re not supposed to measure up to others.

Stay Present

you are perfect just the way you are so don’t use other people’s slogans and narratives to define who you are be all that you can be because we want you.

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It’s Lyn Michell with oxigyn.com where it is all about you take care bye does this come in any other color like pink blues something a little bit brighter. it is all about you take care bye does this come in any other color like pink blues something a little bit brighter. it is all about you take care bye does this come in any other color like pink blues something a little bit brighter. it is all about you take care bye does this come in any other color like pink blues something a little bit brighter.

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TWEET THIS

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Left top border quote.

it is all about you take care bye does this come in any other color like pink blues something a little bit brighter. it is all about you take care bye does this come in any other color like pink blues something a little bit brighter. it is all about you take care bye does this come in any other color like pink blues something a little bit brighter. it is all about you take care bye does this come in any other color like pink blues something a little bit brighter.

Left aligned with quote marks.

it is all about you take care bye does this come in any other color like pink blues something a little bit brighter. it is all about you take care bye does this come in any other color like pink blues something a little bit brighter. it is all about you take care bye does this come in any other color like pink blues something a little bit brighter. it is all about you take care bye does this come in any other color like pink blues something a little bit brighter.

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mething a little bit brighter. it is all about you take care bye does this come in any other color like pink blues something a little bit brighter. it is all about you take care bye does this come in any other color like pink blues something a little bit brighter.doing more before 9 a.m. than most people do all day. That’s a prettyt not everyone is going to be an early riser

, doing more before 9 a.m. than most people do all day. That’s a prt not everyone is going to be an early riser, doing more before 9 a.m. than most people do all day. That’s a pretty

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please keep if nsdf sdf sf sft not everyone is going to be an early riser, doing more before 9 a.m. than most people do all day. That’s a prettyt not everyone is going to be an early riser, doing more before 9 a.m. than most people do all day. That’s a prt not everyone is going to be an early riser, doing more before 9 a.m. than most people do all day. That’s a pretty

If you haven’t done so go ahead and Request Your Enrollment Link for DELETE YOUR DEBT now.

Be sure to leave a comment for the OxigyNn crew and share what you think.

Head over to youtube and leave a comment there.
https://www.youtube.com/channel/UCDSsHNKiDJxQty-7svxsLkA

If you haven’t done so go ahead and sign up for morning blid sign up for morning blid sign up for morning blid sign up for morning blid sign up for morning bliss s

Enroll today!

DELETE YOUR DEBT

Send debt packing with this FREE get out of debt eCourse, (a $97 value). Reclaim your financial future and delete your debt. Enter your best email address to get your enrollment link.

 

Wwe do more than most people do all day. Let’s face it not everyone is going to be an early riser, doing more before 9 a.m. than most people do all day. That’s a pretty ambitious goal.

But I don’t think that you and everyone is up for the challenge. But for those of you that aren’t, there’s a way and a flow to find exactly what works for you.

There’s nothing wrong with it because guess what? We are all unique, we are unique individual and we’re beautiful!

because of that so the next time you feel obligated to compare yourself to others don’t compare what others do that is a form of self hate.

Stop Comparing

  • if you compare yourself constantly
  • you’re just gonna fall further and further
  • into a downward spiral depressed
  • that you can’t measure up to others you’re not supposed to measure up to others.

Stay Present

you are perfect just the way you are so don’t use other people’s slogans and narratives to define who you are be all that you can be because we want you.

Left aligned with quote marks and the stuff you say should be about one and half lines so it has a nice breakup of text.

It’s Lyn Michell with oxigyn.com where it is all about you take care bye does this come in any other color like pink blues something a little bit brighter. it is all about you take care bye does this come in any other color like pink blues something a little bit brighter. it is all about you take care bye does this come in any other color like pink blues something a little bit brighter. it is all about you take care bye does this come in any other color like pink blues something a little bit brighter.

This is a dark border and the quote to be tweeted can be coped here to be formatted in a pull quote

 

TWEET THIS

it is all about you take care bye does this come in any other color like pink blues something a little bit brighter. it is all about you take care bye does this come in any other color like pink blues something a little bit brighter. it is all about you take care bye does this come in any other color like pink blues something a little bit brighter. it is all about you take care bye does this come in any other color like pink blues something a little bit brighter.

Left top border quote.

Left aligned with quote marks.

Left aligned with quote marks.

please keep if nsdf sdf sf sft not everyone is going to be an early riser,

 

doing more before 9 a.m. than most people do all day. That’s a prettyt not everyone is going to be an early riser

 

, doing more before 9 a.m. than most people do all day. That’s a prt not everyone is going to be an early riser, doing more before 9 a.m. than most people do all day. That’s a pretty

Left aligned with quote marks and the stuff you say should be about one and half lines so it has a nice breakup of text.

please keep if nsdf sdf sf sft not everyone is going to be an early riser, doing more before 9 a.m. than most people do all day. That’s a prettyt not everyone is going to be an early riser, doing more before 9 a.m. than most people do all day. That’s a prt not everyone is going to be an early riser, doing more before 9 a.m. than most people do all day. That’s a pretty

If you haven’t done so go ahead and sign up for morning bliss seven minutes to create your amazing day.

Be sure to leave a coment for the OxigyNn crew and share what you think.

Head over to youtube and leave a comment there.
https://www.youtube.com/channel/UCDSsHNKiDJxQty-7svxsLkA

If you haven’t done so go ahead and sign up for morning blid sign up for morning blid sign up for morning blid sign up for morning blid sign up for morning bliss s

Do this and watch your prosperity increase

Do this and watch your prosperity increase

Do you have a hard time focusing on prosperity? Do you find yourself struggling with negative thought habits that only seem to attract more lack and difficulty into your life? Affirmations are one simple tool you can use to turn it around.

Affirmations work by delivering new messages to your subconscious mind. Most often, this involves replacing old, limiting messages with new, empowering messages.

However, the way you word your affirmations will usually determine how effective they are.

If I asked you to recite this affirmation: “I am a millionaire,” how effective do you think it would be? Would you turn into an overnight millionaire?

Would money start falling out of the sky to land in your lap? Probably not. Why? Simply because you know the statement isn’t true. If you try to feed your subconscious mind a belief that you are a millionaire, it creates a conflict with your current set of beliefs. Your subconscious mind does not like conflict, and it doesn’t like change – so nothing in your life changes either!

In order for affirmations to work, you MUST word them in a way that your subconscious mind won’t resist.

In order for affirmations to work, you MUST word them in a way that your subconscious mind won’t resist.

 

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In other words, make them believable.

Compare the above affirmation to one like this: “I am becoming more prosperous every day.”

That one feels better, doesn’t it? Your mind doesn’t try to resist it because you can actually imagine it happening (even if it hasn’t begun to happen yet).

Get a Boost

Another power-boost for affirmations is to word them in a way that places more responsibility on you. For example, instead of affirming, “I am becoming more prosperous every day,” you could say, “I am open to the best opportunities to make money quickly and easily.”

The wording of such an affirmation makes you feel more in control of your circumstances. Rather than waiting anxiously for money to fall out of the sky, you send a message to your subconscious mind that you can control how much money you have by being alert to great opportunities.

Affirmations can vary in the length of time required to firmly “take root” in your mind. For the most part, it depends on the intensity of your opposing beliefs and the level of effort you put forth in turning those beliefs around.

fort you put forth in turning those beliefs around.

If your focus on lack is very strong, you’ll probably have to expend a fair amount of energy and effort to train your mind to focus on prosperity.

However, it is time and effort well spent because the more you focus on positive thoughts and prosperous beliefs, the more you’ll find yourself attracting good things into your life.

Here are a few good affirmations to help get you started on the road to prosperity:

• I use my thoughts and emotions to attract abundance effortlessly.
• I am becoming more prosperous and successful every day.
• I know I have what it takes to be as successful as I want to be.
• I am talented and resourceful.
• I create a better life one positive thought at a time.