Can I achieve a perfect credit score? YES!

1. ON-TIME PAYMENTS

Just paying on time is 35% of your score. NEVER make a late payment. The higher your credit score, the more it can drop with a late payment. It takes a long time to build a high credit score but one late payment can bring you crashing down.

2. UTILIZATION

This is mostly taken into consideration from your revolving debt (credit cards & line of credit). The standard everyone knows is to have your utilization at 30% or less but if you really want to increase your score, have it less than 10%.

Example: For a $10,000 credit card to have a utilization of 30% or less you need it under a $3,000 balance. Under a 10% or less utilization is a $1,000 balance or less.

3. INQUIRIES

Inquiries are only 5% of your score. Although this is a smaller factor it’s still important. 72% of people with 800 credit haven’t applied for “credit” in a year. I bet you didn’t know that fact!

4. MIX OF CREDIT

This is most likely the most important and less understood to obtain an 800+ credit score. FICO wants to see that you have a credit mix of BOTH revolving and installment loans.

Revolving are credit cards or lines of credit. Installments vary from personal loans, auto loans, mortgages, student loans, etc.

If you just have one form of credit on your credit report such as just credit cards only, you’re most likely not going to be in the 800 club. A mix shows FICO you’re responsible with EVERY form of credit therefore a higher score like an 800+.

5. NUMBER OF ACCOUNTS

The average 800 credit score has 5 credit cards ALONG WITH a credit mix  of a couple of installment loans (mortgage, auto, student loan, personal loan, etc)

6. NEGATIVES

I think it is pretty understood to not have any derogatories/late payments/public records to be in the 800s.  Not even one. If you have a derogatory or late you’re probably going to get knocked down to the 700 club and that’s if you’re lucky.

7. AGE OF ACCOUNTS

Think twice before you cancel your longest credit card! The longer the better is how FICO sees it. The oldest “average” credit card an 800+ person has is a $19,000 limit credit card and is 10 years old. Some people cut up and cancel their credit cards to get out of debt which is fine but remember FICO wants to see that you’re responsible for this so they give more points to people who have a long credit history with credit cards.

Credit repair is the process of addressing any questionable negative items that could be hurting your credit profile. If the bureaus and your creditors can’t verify these items are fair and accurate, they are required to remove them

Your credit can be repaired whether you do it yourself or hire a service. The Fair Credit Reporting Act gives consumers the right to an accurate credit report, which allows you to start a formal dispute with credit bureaus about any inaccurate or incomplete information. Although you cannot guarantee that every negative item can be removed Zippycreditscorerepair.com follows ethical and legal credit repair strategies that has allowed our clients to remove 95% of their negative items to improve their credit scores.

ZippyCreditscoreRepair.com offer an affordable credit repair service to fit all client budgets which starts at $69.99 per Month . There are also service options we provide that can accelerate the credit repair process for clients that need specific negative items removed or tradelines added in order to utilize heir credit within a short frame. You can call us at 1-800-000-000 anytime to see which service will fit your needs.

Yes. In fact we provide you with all the information which requires you to contact the bureaus and your creditors to address any errors on your credit. That being said, this process is time consuming and confusing and most of all you need experience to know how to legally and ethically remove negative items with over 95% success rate. Working with a reputable credit repair company like ZippyCreditscoreRepair.com will give you access to the blueprint that will remove these items from your reports quickly, efficiently and get you approved. Call us at 1-800-000-0000 get started.

No, but it it feels like it. Most negative items will fall off of your report after seven years, though it could take as long as 10. If you need to get approved and don’t want to pay high interest rates credit repair is a great alternative.

Yes, your creditors may report an item again, even after it’s been removed or deleted. That’s why it’s important to contact both the credit bureaus and your creditors. This will increase the likelihood that inaccurate or unfair negative items will not reappear on your credit.

Of course. Credit repair is legal in all 50 states There’s a federal law that guarantees consumers the right to dispute information in their credit report to have it corrected and you have a right to a fair, accurate and substantiated credit profile.