- HOW TO RAISE YOUR CREDIT SCORE – THINGS YOU SHOULD NOT DO
- Do not close old accounts
- The longer your accounts are open, the higher your score will be.
- Do not pay off old collection accounts if the collection company is not currently calling you or writing to you.
- Paying off an old collection account will turn it into a new collection account, and a new “paid” collection lowers your score more than an old “unpaid” collection.
- Unless you have thousands of dollars in unpaid collection accounts, we do not require you to pay them off before getting a mortgage.
- NEVER pay anyone to “repair” your credit.
- You can fix errors on your report by yourself – for free. We will show you how and we will help you – for free.
- There are no “secrets that the insiders don’t want you to know”.
