After suffering from a poor credit report for years, Mark Clayborne went on a mission to study everything he could on restoring his credit. Concluding the extensive research, he repaired his credit report and learned various hidden secrets on how to improve a bad credit file. Because of this new found tested knowledge, Mr. Clayborne helped over a hundred consumers repair their credit and take their financial life back. Now, he wants to share these strategies with the world and as a result HIDDEN CREDIT REPAIR SECRETS was created which has sold over 1000 copies as of today. Mark is a certified credit consultant with over 100 articles written in the area of credit repair and a successful radio show titled “Who Else Wants Better Credit”, which is aired on Blog Talk Radio every Tuesday & Thursday at 7:30PM-PST. Mark educates his customers through articles, videos, his blog and various credit repair kits. He graduated from Virginia Commonwealth University with a Bachelor's Degree in Criminal Justice. He also holds a paralegal diploma. He currently lives in sunny California with a beautiful wife and lovely daughter.

1. Hiddencreditrepairsecrets.com
Presents
5 Things People Do That Hurt Their
Credit Scores

2. Rebuilding your credit score could be a
challenge to most consumers, but with
the proper education combine with
action your goals could be achieved.
Once you get your score to the number
you want, you want to protect it by not
making careless financial mistakes. In
this article, I will disclose the five
things that will hurt your score that you
have been trying so hard to improve.

3. 1. To many Inquiries and lying on a loan
application
Be careful not to get too many credit
card inquires because it could drop
your score. The banks don't like to see
that you have applied for credit all
around the town. If you are applying
for a car loan or a mortgage within 45
days, it will count as one inquiry. Soft
inquires won't hurt your score, but
hard ones will. Be careful when you
search online comparing car quotes
because some credit bureaus may
count the inquiries against you.

4. Don't lie to improve your score for the
following reasons: First, banks can
check your correct score with no
problem. And second, it's fraud if you
misrepresent information on a credit
card application.

5. 2. Lack of budgeting and savings
Lack of budgeting is a major factor in why
people have a bad score. Spend time
formulating a weekly and monthly budget. It
will allow you to spend less than you earn
and put extra money away toward paying of f
your debt.

6. Try to save each month for emergencies. By
saving, you will avoid over-extending your
credit cards, which can bring your score
down. Start out with saving 5% of your
income every month and then go to 10%. You
can have your bank take the money out every
month and have it transferred to your
savings.

7. 3. No emergency funds or insurance
Emergencies such as losing your job, a medical
crisis, or a death in the family can often be an
unexpected financial strain, if you're
unprepared. You must have money in place to
maintain your bills, or your three digit number
could take a hit because all of your available
money will go toward your emergency.

8. Get life insurance, health insurance, disability
insurance, and car insurance. If you have an
emergency in any of these areas and you don't
have proper coverage, you can find yourself in
serious debt and with a damaged your three
digit number.

9. 4. Not protecting your credit during a divorce
If you are married and you and your spouse
decide to get a divorce, joint accounts can bring
your three digit number down if one of you does
not pay the bill. Even if you've gone to court and
have legally decided who will be responsible for
each bill, the only thing that matters to your
creditors is that one of you send your payment
on time. According to the lenders, both parties
are liable for the debt.

10. 5. Closing old credit cards.
Closing old credit cards will hurt your credit
score in two ways. First, when you close an old
card, it will reduce the over length of your
credit history which will in return lower your
credit score. Second, closure will lower the
amount of high credit you have between all of
your credit accounts.

11. Now that you are aware of the five things that
can lower your three digit number, go out there
and take action to prevent your three digit
number from taking a hit.

12. If you are ready to say goodbye to
credit rejection and debt collectors,
visit hiddencreditrepairsecrets.com
and sign up for the Free 8-Day E-Credit
Repair Course, and claim your Free
Gift-60 minute Podcast on Rebuilding
Your Credit
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