Admin
10-10-2005, 06:57 AM
LOL, hey Fam.
I have a proven method/trick you can do to boost your FICO score. I did not read this in a bok and no one told me, I just made this up on my own a few months ago and now my FICO score has risen.
Okay here's what ya do...
=====================
1. Go to your Home Banking screen and look at all of the payee's that report to TRW, Equifax and Trans Union. This should be your Credit Cards, Car Payment, Loans, Etc... Utility bills really do not report.
2. Now that you see those bills, take the amount that you are paying them each month and divide that into 4, now add $1 to that amount.
EX: If you have a Visa crecit card and your monthly payment is $75.00, I want you to divide that into 4 ($18.75 + $1.00=$19.75).
3. In your home banking for the Visa bill, change that payment to WEEKLY and the amount is $19.75.
Q: Why did I have you add $1? , so you will be OVERPAID! at the end of the monthly billing cycle :) This trick will also get you brownie points with the company and they will report to the credit agencies that you ORVER PAY THEM.
4. Now, if you did the math, instead of getting $75.00 a month from you (once a month) ...the Visa company is now getting a weekly payment and when the billing cycle closes, you will be overpaid.
5. Repeat this for each creditor. This will also help you budget better that you payments will be weekly and never late, since Home Banking is sending these out for you 4 times a month. :)
Yippee!
Fam, I have been doing this for the better part of 2005 and I just applied for 3 new accounts and was instantly approved!!! fo all of them. I know it's because of my little credit trick!!!
Tryi it ASAP.
Holla
I have a proven method/trick you can do to boost your FICO score. I did not read this in a bok and no one told me, I just made this up on my own a few months ago and now my FICO score has risen.
Okay here's what ya do...
=====================
1. Go to your Home Banking screen and look at all of the payee's that report to TRW, Equifax and Trans Union. This should be your Credit Cards, Car Payment, Loans, Etc... Utility bills really do not report.
2. Now that you see those bills, take the amount that you are paying them each month and divide that into 4, now add $1 to that amount.
EX: If you have a Visa crecit card and your monthly payment is $75.00, I want you to divide that into 4 ($18.75 + $1.00=$19.75).
3. In your home banking for the Visa bill, change that payment to WEEKLY and the amount is $19.75.
Q: Why did I have you add $1? , so you will be OVERPAID! at the end of the monthly billing cycle :) This trick will also get you brownie points with the company and they will report to the credit agencies that you ORVER PAY THEM.
4. Now, if you did the math, instead of getting $75.00 a month from you (once a month) ...the Visa company is now getting a weekly payment and when the billing cycle closes, you will be overpaid.
5. Repeat this for each creditor. This will also help you budget better that you payments will be weekly and never late, since Home Banking is sending these out for you 4 times a month. :)
Yippee!
Fam, I have been doing this for the better part of 2005 and I just applied for 3 new accounts and was instantly approved!!! fo all of them. I know it's because of my little credit trick!!!
Tryi it ASAP.
Holla