Credit Score Magic PLR Ebook

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So there you have it. In January of 2008 my Transunion was a 603 and in March of 2008 my Tranunion score is a whopping 768 a stunning increase of 165 points! How did I doit? Well I'll gettothat in just a moment, but rememberthere is no golden ticket, you have to do those things 1 talked about up above. You know paying your bills on time and all that good stuff? Got it? Ok, good.

So here's what I did, first and foremost I become vigilant with my finances. I just got to a point where I was sickand tired of having bad credit, gettingdenied credit, and paying more because of the high interest rates I was gettingdue to my bad credit score.

I stopped urningforand buyingthings I couldn't afford, I paid off as much debt as humanly possible, and here's the big one... I looked at my credit report every monthy and contested the negative items and incorrect items but more on that in a moment.

It's important hereto reinforce the idea of my mindset change. I wasnolongergoingto be a victim. What I had to do was sacrifice. Rememberthat, sacrifice! I was angry at myself for having bad credit, so I made a conscious decision to do something about it by whatever means necessary. This includes ditching the pay cable TV channels, downgrading my cell phone plan, and the big one, selling my beloved cars.

That's right I sold my cars. The cars that I truly loved. A Lexus GS 430, A Hummer H2, and a Porsche Boxster. It was hard at first to swallow my pride and downgrade to an inexpensive, fuel efficient car, but thisdecision enabled me to doa couple keythings.

Rid me of alI the expensethatcome alongwith those cars like insurance, and fuel ANDthe proceeds from the sales allowed me to buy that cheap car and it gave me cash to payoff someotherdebts I had including my college loans which I thought I would be paying on til 11 was old and gray.

All of this of course increasing my credit score. But the key thing I mentioned above is paying close attention to your credit report and exactly what's on it. There's an informal stat floating around that something like 75% of Americans have errors on their credit report.

Think about that, millions of people in this country are losing $1,000's because they have lowerthan normal credit scores and their interest rates are too high! So if you have the cash, or you can borrow it temporarily, pay off you debts in full and it will do wonders foryourscore.

With all that being said, I want to tel I you about my secret weapon in fighting the battle of the all mighty credit score. Remember how I mentioned above it's a good idea to check your credit report and contest errors? Well let me tell you what I did to contestthose errors...

The fact of the matter is, scanning through a credit report, in fact 3 of them Experian, Equifax, and Transunion is a lot of tedious work. Then once you find the errors you have to construct letters to each of the bureaus contesting each item and showing proof of what you are contesting.

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