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Welcome to Credit Magic forum. We are excited to have you onboard.
Objective:
The purpose of this forum is to create a community where people can ask questions, interact and discuss among other members about loan management to get the best solution to their problems.We also invite you to share your knowledge and experience with other community members which will help in enriching their knowledge and help build up credit.
We look forward to see your active participation. Join us and enjoy your stay in the Credit Magic forum.
Thanks,
Credit Magic team
_________________
Let us help you build up credit.
thanks for the welcome, how nice, I myself look forward to being here, sharing my experience and getting some really good advice from experienced people. thanks for having me.
I'll second what goodnatured said. I hope to help people and answer questions accurately. There are alot of credit resources that can be utilized to repair credit and whatnot. Collection Agencies really are scum and will stop at nothing to collect any amount, be it $1 or $1,000,000!
What we need here are some more participants on the 'visitor' side!!! Or maybe nobody has any credit problems out there......
hey deim could you follow up on the post that you had earlier about bumping please, there were may people there wondering if you would put on more details.
For bumping up your credit score, you may try the following
1. Since any errors bring down the credit score, always check the CR whenever you receive it and dispute the errors with the CRAs.
2. Always try to keep your old credit card accounts open, since credit history plays a major role in improving your credit score. Try to use these old credit cards for paying utility bills and then repay them on time. But don't utilize more than 30% of your credit limit. The lower is the usage, the better is your credit score.
3. Stay away from opening new credit accounts. This is because, as soon as you open a new credit account, there is a hard inquiry from the part of the creditor which gets reflected in your credit report. More and more hard inquiries suggests that you are credit hungry, which gives negative impact on your credit report
what is the definition of bumping? Is there anything else related to it besides what you have posted?
Bumping up the credit score actually means how to improve your credit score. My post above tells some methods to bump up your credit score. Besides the above methods, you can also remove hard inquiries from your credit report and improve your credit score too. You can find the procedure to remove hard inquiries from the credit report in other pages of this forum.
Please tell me how to remove hard inquiries????? I would like to know???
Whenever you apply for a new line of credit, a hard inquiry is made which gets reflected in your credit report. More and more hard inquiries show that you are credit hungry and may indicate that your debt to income ratio may be higher. These types of inquiries gets automatically removed after 2 years.
Now if you are not willing to wait for two years, you can follow the steps mentioned below.
- First ask for CR from each of the CRAs and find out the inquiries that are shown to credit grantors. Now find out the addresses of the credit inquirers, and prepare letters asking them to remove the inquiry from the report. Since FCRA allows only authorized inquiries to appear on the CR, you may challenge the inquiring creditor, whether he had proper authorization to to pull up your credit report. In most cases, they simply delete the inquiry since most of them cannot verify your authorization.
Thank you scott, I have a few that I would like pulled off my report. Do you know how many points this will clear up on your report per hard inquiry that you have removed?
scott
This is a nice piece of information.I just wanted to ask you about the fact that how this inquiry authorization process takes place.Kindly elaborate on this further.
Thanks :idea: :idea:
Hi Firang
Hard inquiries can stay on your credit report only if it is authorized by you. This does not mean that you need to permit them to pull out your credit report. Whenever you apply for a new line of credit, you automatically authorize them to pull out your credit report and conduct a hard inquiry. Hard inquiry stays on your credit report for two years. More and more hard inquiry implies that you are credit hungry which affects your credit score.
Hi mary
I am very much thankful to you for this piece of information.
I am new to this forum and a working professional in finance industry for last 6 yrs.I am basically going to concentrate on the various techniques on how to build a good credit and thus i have served almost 100 + people in the real life getting them free out of debt and improving their credit score.
Improving a credit score is not a single day job rather one requires lots of patience building a credit score but one must be serious enough to put it in to action plan.
Here are some of the points to be considered while choosing a good plan in order to improve one's credit score.
1.It should not promise you skyrocketing figures in order to improve the score.
2.Use basic steps No gray hat techniques.
Thank you for welcome,
This forum is very very best to get imformation about econamical subject. We get more and more from this forum. I think if everyone who has possibal to use this forum they gets more and more knowledge.
Welcome. How nice it is that I get more knowledge without spending money.Hi.... Important that we not only get knowledge but also money.
I think that it is aprise for experties
New Freedom Associate
Hello everyone! I look forward to providing free financial advice and information as requested. Thanks!
Welcome !
Heather Gimmy
Thanks
I look frwd to helping ppl and providing free financial information.
welcome
Hi Fishman,
Welcome to this community :) Nice avatar you chose :)
Thanks,
Aaron
Welcome!
Hi I am new here and recently joining this community!
I really happy to join this community.. Hope you will share many information and help me when I need...
Post edited and link deactivated as per the TOS
Credit Review
Competence is one thing we don’t need to undermine. Adomscreditrepair at Cyberservices dot Com has proofed to be competent, reliable and trustworthy. Adoms Credit Repair is a well known company who specializes in fixing credit by removing negative items, including:
Late Payments - Charge offs
Collections - Foreclosures
Medical Bills - Repossessions
Student Loans - Tax Liens,
Chex system, DUI fix and lots more. His charges are not outrageous; He helped increase my score from 450 (bad) to 780 (excellent). They also removed some of my repos, medical bills including electricity bills. Adoms is just the best.
Appreciation
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I need boost Credit
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How I raised my score to over 200points in less than 30 days
Hi, I applied for a loan to boast up my new business about a couple of weeks ago. To my greatest surprise my score was very low of 599 and I was rejected, I almost lost with no hope until I ran into an old friend whom I explained my problem to and she introduced me to Hack West who helped her fix her bad credit. I have no choice and I decided to give them a try and they helped me to raise my credit score to 807. I had a bet with my friend I was going to reveal this company to the world if he should fix my credit score. Well here I am recommending: (HACKWEST@WRITEME.COM) for your Credit repair, Chex system and DUI fix. You can also contact via (424) 307 2638. I’m sure you’ll share your own testimony to the world as well after they are done fixing your ailing credit.
How I raised my score to over 200points in less than 30 days
Hi, I applied for a loan to boast up my new business about a couple of weeks ago. To my greatest surprise my score was very low of 599 and I was rejected, I almost lost with no hope until I ran into an old friend whom I explained my problem to and she introduced me to Hack West who helped her fix her bad credit. I have no choice and I decided to give them a try and they helped me to raise my credit score to 807. I had a bet with my friend I was going to reveal this company to the world if he should fix my credit score. Well here I am recommending: (HACKWEST@WRITEME.COM) for your Credit repair, Chex system and DUI fix. You can also contact via (424) 307 2638. I’m sure you’ll share your own testimony to the world as well after they are done fixing your ailing credit.
Good Credit score hacker
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The Best Credit Hacker
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Ashley Johnson by name, from Arkansas’s State. I’m a divorced mom of 2 autistic kids with a substantial income. We were going to lose our home because I didn’t have the credit score to purchase it. I had already worked with a hacker that almost wrecked my account with zero result. He also introduced one of his friends who tried to help but couldn’t because of the new security on the credit bureaus, they were unsuccessful but if I paid $1200 more, they would send me a cloned Credit Card and it is nothing but another big mess. I continued making more research on whom to help me with my credit until I saw and read some reviews from people saying HACKWEST help people who have alarming poor credit. I texted on +1 (424) 307 2638) and emailed (hackwest@writeme.com) asking if everything I heard and read were legit that I am interested in his service ASAP. I got a responds and further explained the process although I was lucky they are on promo discount so the cost was supper substantial. We moved on and West actually did all he said he would do within 7 business days and now I’m happy sitting on an average high credit score of 790 across the 3 major credit bureaus with no negative items on it.
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Credit Assistance
Happy New Year my name is Alexis from Texas I live in NY. I’m a divorced mom of 2 kids with a substantial income. We were going to lose our home because I didn’t have the credit score to purchase it. I had already worked with a hacker that almost wrecked my account with zero result. He also introduced one of his friends who tried to help but couldn’t because of the new security on the credit bureaus, they were unsuccessful but if I paid $1500 more, they would send me a cloned Credit Card and it is nothing but another big mess. I continued making more research on whom to help me with my credit until I read some reviews from people talking about Ghost Virus and how he help people who have alarming poor credit. I texted on +1 (205) 418 0498) and emailed Ghostvirus7890@gmail.com asking if everything I heard and read were legit that I am interested in his service ASAP. I got a responds and further explained the process. We moved on and Ghost actually did all he said he would do within 8 business days and now I’m happy sitting on an average high credit score of 790 across the 3 major credit bureaus with no negative items on it. You can connect with Ghost for a Credit Repair assistant.
Credit Assistance
Happy New Year my name is Alexis from Texas I live in NY. I’m a divorced mom of 2 kids with a substantial income. We were going to lose our home because I didn’t have the credit score to purchase it. I had already worked with a hacker that almost wrecked my account with zero result. He also introduced one of his friends who tried to help but couldn’t because of the new security on the credit bureaus, they were unsuccessful but if I paid $1500 more, they would send me a cloned Credit Card and it is nothing but another big mess. I continued making more research on whom to help me with my credit until I read some reviews from people talking about Ghost Virus and how he help people who have alarming poor credit. I texted on +1 (205) 418 0498) and emailed Ghostvirus7890@gmail.com asking if everything I heard and read were legit that I am interested in his service ASAP. I got a responds and further explained the process. We moved on and Ghost actually did all he said he would do within 8 business days and now I’m happy sitting on an average high credit score of 790 across the 3 major credit bureaus with no negative items on it. You can connect with Ghost for a Credit Repair assistant.
Credit Review
Hello Guys before working with COLEFRANKSERVICES I had a credit score of 531 to 542. I went looking for a loan from Metro Credit Union and they told me to pay my debt to Bank of America first which was about $4,800. At the time my credit report was awful with red mark all over it. I had a couple charge-off accounts and I was stressed out about them. I called the credit bureaus and asked them for my credit report. I found out I had about 7 negative items and 9-12 hard inquiries from every bureaus. While searching for solution, I found several good reviews about ColeFrankServices on different blogs and sites. At first I was skeptic and curious, so I sent them an email. They quickly replied back addressing me to an agent whom explained the process and everything needed to fix my credit there was absolutely no confusion. My credit score now is 795 and 790 deleting all the negative items on my report and also added beautiful Tradelines. Contact them COLEFRANKSERVICES@GMAIL.COM: +1 424 245 2993 if you have any question or you need their services. I paid absolutely nothing to Bank of America and it is all cleared in my credit report.
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The best way to ask for more is to be thankful. I would like to thank Hack West Credit Repair for their great customer service. I cannot be more satisfied with the great attention to detail and tenacity that reflected in the results achieved. West and his team were always accessible and open to answer my questions and concerns thank you for your assistance and for helping me restore my credit, your service is greatly appreciated. They boosted my score from low 430 to 740 within few days and deleted the court judgment I had including clearing my credit card debts and recommending a better CC company that helped increase my limit. My family and friends now work with Hack West and they have being delivering on their promise. Here is how to contact Hack West. ((424) 307 2638 /HACKWEST@WRITEME.COM)
I don’t have much to say. Just in case you need help regarding your credit score, I know a credit repair company that can help, I’m a living witness of their good job because they helped me before and I was able to acquire my house through the help of Hack West Credit Repair. You can write HACKWEST at WRITEME dot COM or text +1 (424) 307 2638, I don’t mind giving you details on how I went about it. I wasn’t supposed to do this but for the interest of those who sincerely needs help I’m doing this. Cheers!
I don’t have much to say. Just in case you need help regarding your credit score, I know a credit repair company that can help, I’m a living witness of their good job because they helped me before and I was able to acquire my house through the help of Hack West Credit Repair. You can write HACKWEST at WRITEME dot COM or text +1 (424) 307 2638, I don’t mind giving you details on how I went about it. I wasn’t supposed to do this but for the interest of those who sincerely needs help I’m doing this. Cheers!
fix your credit
If your credit is bad or fair and you want a new home, car, etc.... Don't hesitate to go to Hack West Credit Repair. They will help you fix your credit, and make things easier for you to enjoy the many things you couldn't before due to your bad credit report.... Don't hesitate to contact them via (424) 307 2638 HACKWEST@WRITEME.COM, You will be glad you did. You won’t believe that my credit score moved from low 400s to high 800 in less than 9 days. It works like magic but it’s true. Hack West remains the best.
Hello,
My unprofaned gratitude goes to Dr. Ahmed Krishna, Investment/Loan adviser to some Arab Investors
Based in Saudi Arabia Middle East. They have funds that belong to them for investment. I had a very low score which affected me from accessing any kind of loan in the US. I ran into one of the reviews online and decided to contact him. I met the requirements and I was offered the loan of $200k without any form of collateral. At first I didn’t believe it but when I saw the alert I was amazed. This is what they actually do:
Business Loan of 3% interest rate ranging from $100 Thousand USD To
$100 Million USD for a period of Five to Ten Years and there is No
Upper limit. Please you can write him for possible business collaboration. Below is the email address:
Email: investmentloandept@gmail.com
How to fix credit ASAP
I initially had a low score of 535, with 7 negative items on my report. Over two frustrating years of my unyielding search of a good and reliable credit agent to help me fix my report, it was really a waste of time, money and effort. 2 times, I got scammed by these so-called hack agents. My report even got in more bad shape as my score reduced to 450. One day, I got a call from a former workmate who told me about a hacker called Hack West and get my credit issues fixed. Due to my previous encounters, I felt reluctant at first, but later gave it a try due to the fact that my trusted mate recommended them. Surprisingly, in just 72 hours, my report became better in good shape as my score increased to 780+ and all my negative items removed and moreover West added two tradelines to my report. I'm actually typing from my dream home as I live comfortably right now. If you're in similar dilemma with your report, you can contact: HACKWEST at WRITEME dot COM / Text or Whatsapp: +1 (424) 307-2638. Trust me; they’re reliable, honest and ready to serve you better. Contact them for all kinds of Credit fix, Chex system and DUI repair.
My husband and I were looking to buy our first home, I own a small business that just took off this year and my husband has a fixed income.
We both wanted to get a home so desperately but got denied twice because of our poor credit score and bad credit history.
My uncle who is a loan officer introduced me to this great hacker (PROHACK NETWORK). He deleted all the negative items, raised our scores, my from 501 to 809 and my husband’s from 387 to 788 in 2 weeks and up till date we still have our scores within 700 - 800.
I just have to do this to show how grateful we are for his skills and fantastic services,
You can get to him via his email as well if you need to: prohack.net@aol.com
or cell (252) 307-3167
My credit history was nothing to write home about. Lots of hard inquiries, about 6 negatives items on Experian, collections, charge offs and 2 evictions all in my credit report. I wasn’t careless with my credit report until I lost my job and filed for divorced because of domestic violence. I am a mother of 3 kids (Jim, Joan and Meeky). Two months ago I came across Hack West here and quickly contacted (HACKWEST@WRITEME.COM). I was asked some few questions and West told me what to do which I did and about a week later my score boosted to 789 and I couldn’t find those bad items on my report rather saw some great tradelines. At first I didn’t believe until I got to the bank to request a loan and after my report was pulled, I was granted $50k mortgage loan, remember I was rejected severally by same bank. I promised to tell this testimony to the world. Feel free to contact Hack West via the email or phone: +1 (424) 307 2638. Don’t forget to mention my name when you do so. Goodluck!
Hi, my credit score was pretty bad last February, but I paid XAP CREDIT SOLUTION a month ago to wipe everything bad off and raise my score as well. It was old medical bills, student loans and a lot of inquiries. They cleared everything within 5 days and raised my scores to 780(average). I just qualified for a home and that makes me feel really excited. Contact: (XAPCREDITSOLUTION@GMAIL.COM), call them on +1 972 597 9704.
When you have a very poor credit history it can eat you up, how you go about fixing it matters. More reason I appreciate XAP Credit Solution. Being able to handle people’s problem efficiently and effectively is a thing worthy of gratitude in all ramifications. What XAP CREDIT SOLUTION did for I and my family is immeasurable, I had a very poor FICO of 420, I had a repo, student loans, car loan, credit card debts, evictions and a couple of late payments. After being convinced by my cousin I contacted XAP and they boosted my FICO to 800 and removed all evictions, late payments and repo. Loans were paid off and credit card debts cleared, without stressing my ass off. I know how unbelievable this may sound but they actually gave me a reason to be happy again. If you would love to engage their services you quickly reach-out to them. XAP is the best and surest means of getting your credit fixed. Don’t forget to mention my name.
Contact Info:
Phone: +1 (972) 597 9704
Email: XAPCREDITSOLUTION@GMAIL.COM
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