How to Improve Your Credit Score and Remove Negative Credit History - 100 Points in 15 Minutes

Aug. 17, 2009 - PRLog -- Fl,USA....................When you increase your credit score 100 points, there's a lot of things you'll be able take advantage of, and it isn't that hard to do. Cleaning your credit history is the best thing you can do to raise your score, and this can be done on your own in just a few minutes.

When you do, the very first thing you should do is call your credit card companies to brag about your new score. They will likely be willing to give you better deals that you'll be happy with. For instance, they may lower your percentage rate, which will also lower your monthly payments and minimum payment required.

Along with that, you can request a higher limit so you have more money to spend - which will also improve your score. Creditors like to see that other creditors extend you lots of money, and you'll also reduce your debt ration by having a higher limit on your cards.

So how do you do this?

The easiest and fastest way to boost your score 100 points or more is to remove the negative information on your file that is hurting your score. You'll want a fresh, recent copy of all 3 of your credit reports, which you can get online for free.

You need all 3 reports because lenders report different information to different reporting agencies. When you download your reports, the first thing you want to do is see where you stand on the credit score scale. Your score will tell you how you compare to the national average, which will give you some indication of how much work you have to do.

Now, simply look over the items that are hurting your score and find those items that no longer belong there. Information should not remain on your report for more than 7 years. If it does, you can have those items removed. You may also find a lot of wrong information, such as wrong account numbers. Because the information is inaccurate, by law the reporting agency must remove the items from your file and your score will increase.

If you want to improve your credit score, first you need to get your credit report so that you may gauge your credit level. My Safe Credit is your online reliable resource to get your free credit report instantly. For more details how this works, visit their website here http://mysafecredit.articalz.com