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
How to Dramatically Improve Your
Credit Score in a Year

2. Throughout the years, I have been
asked the same question repeatedly.
How do I improve my credit score? My
answer for the questions was through
multiple tactics. You see when you are
suf fering from a poor score you have to
apply various techniques to improve it
over time. In this article, I will disclose
these tips that will help you increase
your score over a year's time.

3. Don't pay of f old debt
Paying of f outdated negative bills can
actually hurt your score by renewing
the date of the last activity of the debt
and making it current. Instead of
paying of f old debt, let them fall of f or
negotiate for a complete deletion.

4. Your true credit card balance
If you know that your credit card
balance is lower than what the credit
bureau is showing, write the card
company, and have them update your
card balance with the credit bureaus,
so that your score will increase.

5. Applying for a car or a mortgage
If you are planning to buy a new car or a
house within six months, then don't apply for
new a new loan, which can lower your score
and stop you from getting the car or house.
Instead work on improving your credit report
by settling your debts for pennies on the
dollar and having negative items completely
removed. By doing this will improve your
score dramatically.

6. Don't apply for a retail store charge card just to
get the discount
If you apply for a retail store card, you will
lower your score in three ways. First, retail
cards have low limits, and if you buy an item
that will push your card to the max, it will
lower your score. Second, when you open a
new account, it will lower the total age on the
rest of your cards. Third, it will produce a
hard inquiry, which can lower your score by
five points. So don't apply for these cards
while you are trying to improve your score.

7. Ask them to remove the late entry
This technique is good if you have a long history
with the creditor and have not been delinquent
more than two times. Write a letter to the lender
a professional letterhead explaining that you are
loyal to the company, and that you would like
their assistance in removing a few late entries
on your credit report. If they grant the removal,
this could increase your score by 30 points.

8. Check your credit report and score on a regular
basis
You can check it once or three times a year, but
it is best to check it every four months. If
someone steals your identity and open accounts
in your name, call the bureaus and asked them
to put either a 90-day or a seven-year fraud
alert (a notification by the creditor when
someone tries to open an account in your name)
in your file. You can even place a credit freeze
(the creditor or lender can't pull your report
without your permission) on your account. When
you are a victim of Identity Theft, the law allows
you to get a free credit report from all three
bureaus. By monitoring your report, it will give
you a chance to stop fraudulent use and damage
to your score. You will also see if your score is
improving as you pay down bills.

9. As you can see it takes time and patience when
trying to improve your financial picture, but it's
not impossible. Now that you are empowered
with new information, go out there, and take
action.

10. 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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