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	<title>creditlightning.com &#187; Personal Finance</title>
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	<link>http://creditlightning.com</link>
	<description>All Things Credit</description>
	<lastBuildDate>Tue, 30 Dec 2008 06:55:03 +0000</lastBuildDate>
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		<title>Credit Score Domination</title>
		<link>http://creditlightning.com/credit-score-domination</link>
		<comments>http://creditlightning.com/credit-score-domination#comments</comments>
		<pubDate>Fri, 21 Nov 2008 15:43:15 +0000</pubDate>
		<dc:creator>Credit Repair</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Airline Mileage]]></category>
		<category><![CDATA[Online Credit Card Applications]]></category>

		<guid isPermaLink="false">http://creditlightning.com/credit-score-domination</guid>
		<description><![CDATA[
BadCreditSolutions asked: 

 http://911credit.blogspot.com  Best creditcards te krijgen  Deze website biedt een up-to-date informatie over online banken toepassingen die u kunt vertrouwen. Of u nu groot betaling geschiedenis, of als je score is niet zo goed, vindt u de beste credit cards voor je. De beste visa kaarten, beste master kaart en de [...]]]></description>
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<div><em><strong>BadCreditSolutions</strong> asked: </em><br/><br/>
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<p><br/> http://911credit.blogspot.com  Best creditcards te krijgen  Deze website biedt een up-to-date informatie over online banken toepassingen die u kunt vertrouwen. Of u nu groot betaling geschiedenis, of als je score is niet zo goed, vindt u de beste credit cards voor je. De beste visa kaarten, beste master kaart en de beste mastercard en nog veel meer.  Deze website http://911credit.blogspot.com biedt de beste online credit card-applicaties op het internet. Consumenten erover eens dat onze web bron is &quot;de beste en meest betrouwbare bron&quot;, solliciteer dan online voor creditcards. Maak gebruik van onze website te vergelijken met de online aanbiedingen van Visa, MasterCard, Discover en American Express in 14 verschillende toonaangevende financiële ondernemingen. Vind de beste credit card rente, nul rente kredietkaarten, creditcards met lage rentevoeten, hoogst gewaardeerde credit card, best apr kaarten en Internet Credit Card Money Maker.  . http://911credit.blogspot.com   Wij zullen u helpen bij het vinden van de beste credit cards &#8211; die met onmiddellijke goedkeuring, lage rente, en voor nul-saldo overschrijvingen. Wij maken het eenvoudig te vinden online aanbiedingen voor mensen met een uitstekende score, goede score, eerlijke gast, slechte score en geen score.  Best Credit Cards Aan de slag: http://911credit.blogspot.com  U kunt zelfs gebruik maken van uw kaart en kredietlijn met EDC goud, paspoort aan rijkdom, de kleine jongen netwerk, luie rijkdom systeem, de geheime betaalt, smaragd paspoort, stappenplan voor rijkdom, kust-vakanties, Xango, noni, Herbalife, dsa.org, Quixtar, abunza, rijke marketeer, jaguar marketing systeem en free cash schenkingsregels.  Hier krijg je gegarandeerd Resultaten GRATIS! Best creditcards te krijgen. Ontdek 14 Categorie-specifieke pagina&#39;s van Leading Credit Card biedt: Airline Miles-kaarten, kaarten voor Bad Credit, Rewards Cards, Student Cards, Business Credit Cards, 0% Balance Transfer Cards, lage rente Cards, Automobile &amp; Gas Cards, Chase Credit Cards, Ontdek Cards, Bank of America Cards, MasterCard Credit Cards, en American Express Kaarten &#8230;<br/><br/></div>
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			<wfw:commentRss>http://creditlightning.com/credit-score-domination/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Verhoog uw credit score snel met deze techniek insider.</title>
		<link>http://creditlightning.com/verhoog-uw-credit-score-snel-met-deze-techniek-insider</link>
		<comments>http://creditlightning.com/verhoog-uw-credit-score-snel-met-deze-techniek-insider#comments</comments>
		<pubDate>Fri, 21 Nov 2008 13:07:33 +0000</pubDate>
		<dc:creator>Credit Repair</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Insider]]></category>
		<category><![CDATA[Met]]></category>

		<guid isPermaLink="false">http://creditlightning.com/verhoog-uw-credit-score-snel-met-deze-techniek-insider</guid>
		<description><![CDATA[
CreditSecretsBible asked: 

 Http://www.CSBCards.com
]]></description>
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<div><em><strong>CreditSecretsBible</strong> asked: </em><br/><br/>
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<p><br/> Http://www.CSBCards.com<br/><br/></div>
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		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>De blauw van de Score van het Krediet</title>
		<link>http://creditlightning.com/de-blauw-van-de-score-van-het-krediet</link>
		<comments>http://creditlightning.com/de-blauw-van-de-score-van-het-krediet#comments</comments>
		<pubDate>Fri, 21 Nov 2008 12:42:57 +0000</pubDate>
		<dc:creator>Credit Repair</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Blauw]]></category>
		<category><![CDATA[Score]]></category>

		<guid isPermaLink="false">http://creditlightning.com/de-blauw-van-de-score-van-het-krediet</guid>
		<description><![CDATA[
gnormb asked: 

Blauw over kredietscores voor iedereen who&#039; s had ooit minder dan perfect krediet…
]]></description>
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<div><em><strong>gnormb</strong> asked: </em><br/><br/>
<div class="cc_video"><object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/rSEPZTxQ-lM&#038;hl=en"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/rSEPZTxQ-lM&#038;hl=en" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object></div>
<p><br/>Blauw over kredietscores voor iedereen who&#039; s had ooit minder dan perfect krediet…<br/><br/></div>
]]></content:encoded>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>De Score van het krediet &#8211; Bloomberg: Uw Geld</title>
		<link>http://creditlightning.com/de-score-van-het-krediet-bloomberg-uw-geld</link>
		<comments>http://creditlightning.com/de-score-van-het-krediet-bloomberg-uw-geld#comments</comments>
		<pubDate>Fri, 21 Nov 2008 10:23:48 +0000</pubDate>
		<dc:creator>Credit Repair</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Bloomberg]]></category>
		<category><![CDATA[Geld]]></category>

		<guid isPermaLink="false">http://creditlightning.com/de-score-van-het-krediet-bloomberg-uw-geld</guid>
		<description><![CDATA[
Bloomberg asked: 

Wat is in een kredietscore? Bent van u slecht goed of? Leer hoe te om uw score op te heffen en een bundel te redden.
]]></description>
			<content:encoded><![CDATA[<div style="float:left; padding: 12px"></div>
<div><em><strong>Bloomberg</strong> asked: </em><br/><br/>
<div class="cc_video"><object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/niL4k3uGGq4&#038;hl=en"></param><param name="wmode" value="transparent"></param><embed src="http://www.youtube.com/v/niL4k3uGGq4&#038;hl=en" type="application/x-shockwave-flash" wmode="transparent" width="425" height="355"></embed></object></div>
<p><br/>Wat is in een kredietscore? Bent van u slecht goed of? Leer hoe te om uw score op te heffen en een bundel te redden.<br/><br/></div>
]]></content:encoded>
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		<slash:comments>11</slash:comments>
		</item>
		<item>
		<title>Credit Repair – Improve Your Scores in 90 Days</title>
		<link>http://creditlightning.com/credit-repair-%e2%80%93-improve-your-scores-in-90-days</link>
		<comments>http://creditlightning.com/credit-repair-%e2%80%93-improve-your-scores-in-90-days#comments</comments>
		<pubDate>Fri, 14 Nov 2008 20:59:21 +0000</pubDate>
		<dc:creator>Credit Repair</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Credit Scoring]]></category>
		<category><![CDATA[Mom]]></category>
		<category><![CDATA[Score]]></category>

		<guid isPermaLink="false">http://creditlightning.com/credit-repair-%e2%80%93-improve-your-scores-in-90-days</guid>
		<description><![CDATA[
Ian Webber asked: Credit Repair in the Fast LaneCredit repair does not have to take forever. There are things that only time will heal, but the right strategies can turn your credit scores around quickly. Are you ready to do what it takes to see your numbers pop? It&#8217;s not hard if you know what [...]]]></description>
			<content:encoded><![CDATA[<div style="float:left; padding: 12px"><a href="/wp-content/uploads/cc/credit_repair23.jpg"><img src="/wp-content/uploads/cc/credit_repair23.jpg" title='credit repair' alt='credit repair' /></a></div>
<div><em><strong>Ian Webber</strong> asked: </em><br/><br/><br/><strong>Credit Repair in the Fast Lane</strong><br/><br/>Credit repair does not have to take forever. There are things that only time will heal, but the right strategies can turn your credit scores around quickly. Are you ready to do what it takes to see your numbers pop? It&#8217;s not hard if you know what to do. Here are the best short term credit repair strategies available. Put them all together and you get credit repair magic.<br/><br/><strong>FICO &#8216;08 and Authorized User Accounts</strong><br/><br/>Fair Isaac Corp has finally shut down the authorized user account broker industry. The latest release of the FICO &#8216;08 scoring software is carefully designed to eliminate all benefit from purchased authorized user credit card accounts. But there is credit repair gold hidden in the news. Fair Isaac makes it abundantly clear that legitimate authorized users will continue to reap the same score benefits as always. So call Mom or Uncle Bob and have them add you to one or two of their excellent credit cards.<br/><br/><strong>Get Two or Three New Secured Credit Cards</strong><br/><br/>You should see a significant jump in your scores from the new authorized user accounts, but this is not a substitute for building new credit in your own name. If your scores are too weak to get regular credit cards, just apply for a couple of small secured cards. This is a powerful credit repair strategy. Make sure to use less than 20% of the available limit on the card. If you max these new cards out it will be credit repair *******. You have the power. Don&#8217;t blow it; use less than 20% of the card.<br/><br/><strong>Pay Down Revolving Balances</strong><br/><br/>Maybe you have plenty of credit and don&#8217;t need authorized user accounts or secured credit cards. If you have existing revolving debt you have the ability to move your scores very quickly by paying your balances down. There are five levels of card usage acknowledged by the credit scoring model: 20, 40, 60, 80, and 100%. If you want to boost your credit scores you should go for the gusto and pay your balances down below 20%. If you don&#8217;t have the resources to do this you should think about borrowing from a relative or friend. Make it happen if you can. This can add up to over 100 points.<br/><br/><strong>Pump Up Your Credit Limits</strong><br/><br/>There are two sides to the balance vs. limit formula. If you can&#8217;t get the balances down see if you can get the limits up. If you can reduce the ratio of card usage you will get the benefit regardless of how you did it. Just pick up the phone call each of your credit card issuers if they will increase your limits. It can&#8217;t hurt to ask. Sometimes credit repair takes nerve.<br/><br/><strong>Challenge Your Collections</strong><br/><br/>Get a copy of your three credit reports. Identify the collections and dispute all of them. Sound crazy? Actually, it&#8217;s almost crazy not to do this. Collections change hands often. It&#8217;s the nature of the industry. Did you know that the FTC requires collectors to withdraw reporting of collections if they sell the account to another collector or return it to the original creditor? Unfortunately, there is no incentive for them to cease reporting and no punishment if they don&#8217;t. If you dispute a collection and the collector no longer owns the debt it will be removed. But take care and read the next section carefully, because there is some potential credit repair danger.<br/><br/><strong>Credit Repair and Your State Statutes</strong><br/><br/>Challenging collections is a smart and justified credit repair strategy. But there are cases where it is simply not advisable. If the collection is larger than $1000 and within the statute of limitation (SOL) for collection through the courts, you just might wake a sleeping beast. The SOL for collection is usually less than the reporting period limit, and in many cases as short as three years. Check the SOL for your state and the state in which the account was open; the longer period applies. If the SOL has expired you can dispute with no fear. If the collector verifies the information as it appears on your report you should be able to negotiate the balance and maybe even have the account removed from your credit report.<br/><br/><strong>Credit Repair Assistance</strong><br/><br/>Credit repair help is always just a phone call away. There are many things that can be done to clean up your credit report and get your scores moving in the right direction. If you don&#8217;t have the time to do the job properly, call a credit repair professional. Don&#8217;t do the job half-way. It&#8217;s far too important. Pick up the phone and let a professional make your credit repair project a great success.<br/><br/>Copyright © 2008 Ian Webber. All Content. All Rights Reserved.<br/><br/><br/><br/></div>
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