Wealth Today

It’s taken a year and a half, and with much diligence and effort, I’ve accomplished raising my credit score 150 points. I’ve gone from 506 to 656. It seems as though it’s slowed down a lot over the past 8 months, but not really. It’s increased 70 points since February. I’m hoping to keep up that pace, so that this time next year, it’ll be 720 and I’ll be in a good range to get the best deal on a home loan [my ultimate motivation for an awesome credit score] By having a favorable credit score, it can save tens of thousands during a home loan.

Free Money Finance recently hosted a Carnival Of Debt Reductionthat has many different insights into copy and recovering debt, which is partially related to your credit score.

Well, my credit score has gone up again. I’m still in the fair range of all 3 credit bureaus, but I’ve had a big jump. As I was checking my credit today, I noticed an awesome deal for anyone who wants to know more about their credit rating. PrivacyGuard is offering 2 months for $1. I’ve been using them for awhile and am very happy with their online service. The regular snail mail service seems a little slow though. The downside to using PrivacyGuard is that they don’t provide enough specific information (creditor’s account #/address/phone#) to complete a dispute, but they give you your score with all 3 bureaus and all inquiries/accounts/etc in an easy to read format. If you’re unsure of what your credit score is, it’s a must to at least try for 2 months for $1.