Everyone wants a great credit score, but sometimes you wonder if it is possible. If you are wondering how to get a 700 plus credit score, then you are in luck. This article will help you understand your credit better, and show you how to get awesome credit!
First, it's important to understand what makes up your credit score. There are three major credit bureaus that potential creditors will use to get info about you. These are Equifax, Experian, and Transunion. These credit bureaus collect info about you from those you have borrowed money from. The more times you pay your creditors on time, the better your score. They also measure the amount of debt that you have and how much of that is revolving debt (think creditcards). Too much revolving debt will lower your overall score.
Generally speaking a credit score above 700 is considered to be very good. This will entitle you to the best rates and the most respect. But, the holy grail of good great, a credit score above 700, is made all the more important in the credit driven society that we live in. A good credit score can mean that you can afford a bigger house or that great car you've wanted. It also gives you options and freedom.
How to Get a 700 Plus Credit Score With One Small Key Ingredient
Many people want to know how to get a 700 plus credit score. It is not as difficult as you might imagine. Even if you have made credit mistakes in the past, you can learn how to get it where you want. Start by getting on a reasonable budget. This allows to the freedom to allocate your funds properly so that you know that the money is there to pay your bills. And want to know the biggest secret to get your credit score above 700? Pay those bills on time! Anti-climatic, I know, but that is seriously it.
Another tip on how to get a 700 plus credit score is to keep your balances on your creditcards well under the limit. It is a good idea to owe less than half of your limit on your cards, and pay them regularly. When you are maxed out or even close on your cards, this signals to creditors that you are having financial trouble.
Finally, try not to apply for new credit if you don't need it. Those store creditcards that promise to give you ten or fifteen percent off of your purchases may be tempting, but in the long run they can cost you precious points on your score. Limiting new credit inquiries is a key element in how to get a 700 plus credit score.
If you are looking for ways to skyrocket your credit, keep these tips in mind. If you keep to your budget, make your payments on time, and watch your balances, you can learn how to get a 700 plus credit score in no time.
How to Get a 700 Plus Credit Score With One Small Key Ingredient
Apply Payday Loans Online
Cash Advance Loan Application
By clicking the button and submitting your application, you certify that you are
at least 18 years old and agree to the terms of our Privacy Policy, Disclosure, and the Terms and Conditions that govern this web site and
the service.
This Quick Step-Step "Do It Yourself" Debt Settlement Guide Reveals "Three Keys" To Successfully Settle CreditCard Debt On Your Own, Save The Most Money & Avoid Costly Mistakes
I'm often asked, "How can I settle creditcard debt myself?"
First, let's clear up a few things. Then I have three "keys" for you to follow to successfully settle your own creditcard and unsecured debts...
How Can I Settle Credit Card Debt Myself?
First Things First
Settling yourself for 2/3rds or less is typically be a reasonable goal.
There are many strategies and factors to consider that may impact results.
Considerable time is required to document, communicate, negotiate and follow up to achieve these results.
There are plenty of pitfalls to avoid.
What Percentage Can I Expect To Settle My CreditCard Debt For?
Professional negotiators (including attorneys and arbitrators) average about 50% settlements (some much better than others, with the best sunder 40%), and usually charge about 15%-25% of the total debt in fees, putting the total cost to use a professional debt settlement firm typically about 65% your total unsecured debt.
The general consensus of industry professionals report "doing-it-yourself," consumers settle creditcard debt on their own for about 75% on average.
Many people are unsuccessful getting any reduction of their balances at all on their own, and remain stuck with double-digit interest rates on the exhausting treadmill of slavery to creditcard debt.
My close friends, however, who happen to be debt settlement professionals and found themselves in personal financial hardship during recent downturn in the economy, have achieved 10% settlements on their own creditcard debt accounts because they knew exactly what they were doing and were willing to go extreme measures for exceptional results.
I've helped thousands of consumers get out of debt through debt settlement for over a decade, and most of the people I've help with a knack for communicating, negotiating, documenting and following up (the four critical skills you'll need to do this) get settlements as low as 45-60% on their own.
Why Do Debt Settlement Attorneys Typically Settle For Less Than "Do-It-Yourself-ers"?
Creditors give professionals representing a large volume of debt "special treatment" because large debt negotiators are the "bread and butter" of the collection industry. It's "business as usual" and they deal with each other every day. When a professional debt settlement negotiator comes to the table representing millions of dollars in "bulk" unsecured debt owed to a single major creditor, it creates serious leverage for the consumers represented, especially when the negotiator is an attorney from a powerful law firm. Typically, "bulk settlements" are substantially less than individuals would be able to achieve on their own.
Do-It-Yourself Debt Settlement WARNING:
Make sure you're prepared and committed to do the communicating, negotiating, documenting and following up required before you start.
Debt settlement is by no means an exact science and it's difficult for an individual lacking experience to determine if a settlement is fair or not. In addition, you have to directly handle all creditors' calls and the harassment that comes with the job. Many people are simply unable or uninterested in handling such pressure, especially with the daily demands of managing a job, household or family at the same time.
Hiring a trusted attorney with a powerful law firm may save you more money, give you better advice and get you out of debt in a much less stressful manner, enabling you to move on with your life faster. This is something you may want to consider carefully.
"Three Keys" To Successfully Settle CreditCard Debt On Your Own:
KEY # 1) The accounts must be delinquent.
Creditors will not settle for anything less than the full balance you owe on your creditcard until your accounts are seriously past due. While good settlements are possible after only 60-90 days, typically settlement take place after 180 days when accounts are "charged off." This is because when creditors "charge off" an account (an accounting entry), they are taking a tax benefit on the account by writing it off as a loss. This devalues the account, and it is no longer worth the full balance owed. In fact, the normal course of business is to sell the account as "bad debt" to a third party debt collector.
STARTLING FACT: In recent years, "bad debt" was sold to collectors for an average of .034 cents on the dollar. That's only 3.4% of what you owe! Can you imagine? This means a delinquent ,000.00 creditcard account is typically sold for only 0. Keep this in mind. These economics are exactly WHY debt settlement works, and can work so well for you if you do it right, because it's a better deal for creditors than any other option they have, such as a pursuing lawsuit, collection efforts or forcing you into bankruptcy.
KEY # 2) Documentation BEATS Conversation, every time.
DO NOT make any payments by phone.
Collectors will almost always ask for a check by phone. Say this:
"Unfortunately I'm unable to make a payment at this time, but I will resolve this matter as soon as possible. I understand you want me to make a payment right now, but that just isn't possible. I will have $_________ (state an amount that's roughly 25-50% of your balance, not a percentage but a round number) soon and want to settle at least one of my accounts with whoever will give me the best deal. Can you please send me an offer in writing?"
HOT TIP FOR EASY DEBT SETTLEMENT SAVINGS & SUCCESS:
You can do this initially or in response to a settlement offer that's too high... Write a "Hardship Letter." Hand write or type up a letter describing your situation, your inability to pay and include information such as, divorce, medical issues, loss of job, disability or reduced income. Any information regarding your personal hardship will help your negotiation, so don't hold back. Send this letter along with a request to settle the account for $_______ (again, a random amount roughly equal to 25-50% of your current balance).
Talking sincerely about your financial hardship, lack of income and inability to pay when requesting a settlement offer over the phone can help a lot. Think sob story, but be sincere. Still, in this game... documentation beats conversation, every time.
Track everything (documentation)... who you speak to, their name, phone number and extension, date and time. Keep everything organized in a folder, easily accessible.
KEY # 3) Use certified mail with return receipt.
Once you get an acceptable settlement offer in writing, send a check. But first... Write your account number for the account you are settling on the check and in the memo write "FOR PAYMENT IN FULL." Send the check along with a COPY of the settlement offer by certified mail with return receipt.
Once the account is paid to a zero balance, you can do the normal process of credit repair and quite possibly have the account removed through disputing it and requesting verification.
But Wait, Isn't "Do-It-Yourself" Debt Settlement Like Doing Your Own Taxes Or Dental Work?
Sure, it's possible settle creditcard debt on your own. Some people are naturally good at it and even enjoy it, but most of us would rather leave it to a professional to get it done right the first time.
It's like changing your own motor oil... most people don't want to get their hands dirty, but you certainly can do it on you own if you apply yourself.
No matter what...
Make it a Priority to Be Debt Free ASAP, and Stick To It.
Because nothing feels as good as freedom, especially after being stuck in slavery to creditcard debt for so long.
How Can I Settle Credit Card Debt Myself?
Apply Payday Loans Online
Cash Advance Loan Application
By clicking the button and submitting your application, you certify that you are
at least 18 years old and agree to the terms of our Privacy Policy, Disclosure, and the Terms and Conditions that govern this web site and
the service.
Are you considering going on a family vacation overseas, but are unsure of what passports cost, or even what the procedure of getting one involves? While there are still some countries that do not require you to have a passport in order to enter, most will all demand one for entry. Mexico and Canada are two that don't require a passport and will allow you to enter with a birth certificate, but having a passport will definitely make things much easier. All in all, a passports cost is worth your peace of mind alone. If you've ever had the misfortune of being held up do to legal identification papers, you know what I mean.
OK, so what are we looking at for costs here? A passport will actually have two different fees associated with it. The first fee is the passport processing fee that the U.S. State Department charges. Currently, passports cost .00 for adults, and .00 for any child under 16 years old. They have recently went up due to adding a security surcharge.
The second fee is called the execution fee and it covers the cost of making the passport. The processing fee and the security surcharge are paid to the U.S. State Department. The execution fee is paid to the facility you are purchasing your passport from. You can pay with cash, checks, money orders, or creditcards.
What Do Passports Cost And How Do I Get One?
It's easy to apply for a passport. You can download the required forms from the official State Department website. Fill them out, and then go have 2 photo id pictures taken at any authorized merchant. Walgreens, or Eckerd Drugs are just two places that come to mind immediately. The cost will generally be less than . Once you have your pictures, forms, and payment funds, you can go to any passport payment processor and get everything completed. In fact, you can go to your local post office and make the payment to them and then mail everything off. Don't forget to bring your birth certificate to show proof of citizenship.
Once you have submitted everything to the State Department it will usually take from 4-6 weeks to get your passport sent to you. More or less time depending on the time of the year. If you are in need of getting your passport quicker than that, there are services available that will expedite the process for a fee. Many times you can get your passport within a week for a fee of between -0. This fee is added to your passports cost.
Once you get a passport, it's good for 10 years. As you can see, getting a passport is not that difficult and a passports cost is certainly not prohibitive.
What Do Passports Cost And How Do I Get One?
Apply Payday Loans Online
Cash Advance Loan Application
By clicking the button and submitting your application, you certify that you are
at least 18 years old and agree to the terms of our Privacy Policy, Disclosure, and the Terms and Conditions that govern this web site and
the service.
