Credit Repair Secrets That Really Work
Did you know that there are some tricks of the trade that can raise your score up to 60 points in 30 days with one phone call? Thats right, this is no gimmick, there really is a technique out there that can do this and i have personally used this technique with hundreds of clients.
When you buy a house, the lenders give you the option to use a gift of money from a family member as your down payment.
Well instead of having family member gift you money, have them gift you credit history.
I want to make this clear right off the bat that you only want to use the technique I'm about to share with you with people that have a 700 credit score or higher! If a family member does not have this score then use a friend, it does not matter.
The technique is called mirroring a trade line.
Have the person you have selected to help you call one or two of their credit accounts.
Credit card accounts are the easiest to be added onto.
Have the person tell their credit company that they want to make you a joint applicant.
Make sure that the credit company asks for your social as this is the only way credit is associated to you.
Once that's done, whala! The person you have chosen will get a credit card sent to them with your name on it.
Have them DESTROY it so that you can do nothing to harm their account.
Within 30 days your credit will reflect this good credit history and your score will raise an average of 30-60 points! The first step to mirroring a trade line is to find the person you want to mirror.
Once again only use someone who has a 700 credit score or higher.
Once you have found this person you can safely tell them that if they use this technique that there is nothing you can do to hurt their credit.
Let them know that they will be gifting you credit history that will help you make the purchase you need to make.
Also let them know that they can remove you from their credit accounts at any time.
The way that this technique works is that you are essentially having some one's good credit history attach to your name.
For example, if my wife didn't have credit and i have 10 years worth of good credit history, i could add her to a few of my accounts.
If i added her to a visa card that i have had for 5 years, it would copy 5 years of good credit history on to her account.
So how exactly do you mirror? There is one disclaimer to this technique however.
If you mirror someone's credit and they do something to mess up their accounts it will effect your credit score.
If you know someone is about to go through a hard time, make sure you get taken off their credit accounts to ensure that your credit score doesn't go down with the ship.
When you buy a house, the lenders give you the option to use a gift of money from a family member as your down payment.
Well instead of having family member gift you money, have them gift you credit history.
I want to make this clear right off the bat that you only want to use the technique I'm about to share with you with people that have a 700 credit score or higher! If a family member does not have this score then use a friend, it does not matter.
The technique is called mirroring a trade line.
Have the person you have selected to help you call one or two of their credit accounts.
Credit card accounts are the easiest to be added onto.
Have the person tell their credit company that they want to make you a joint applicant.
Make sure that the credit company asks for your social as this is the only way credit is associated to you.
Once that's done, whala! The person you have chosen will get a credit card sent to them with your name on it.
Have them DESTROY it so that you can do nothing to harm their account.
Within 30 days your credit will reflect this good credit history and your score will raise an average of 30-60 points! The first step to mirroring a trade line is to find the person you want to mirror.
Once again only use someone who has a 700 credit score or higher.
Once you have found this person you can safely tell them that if they use this technique that there is nothing you can do to hurt their credit.
Let them know that they will be gifting you credit history that will help you make the purchase you need to make.
Also let them know that they can remove you from their credit accounts at any time.
The way that this technique works is that you are essentially having some one's good credit history attach to your name.
For example, if my wife didn't have credit and i have 10 years worth of good credit history, i could add her to a few of my accounts.
If i added her to a visa card that i have had for 5 years, it would copy 5 years of good credit history on to her account.
So how exactly do you mirror? There is one disclaimer to this technique however.
If you mirror someone's credit and they do something to mess up their accounts it will effect your credit score.
If you know someone is about to go through a hard time, make sure you get taken off their credit accounts to ensure that your credit score doesn't go down with the ship.
