Did you know that there are some credit repair secrets that can help raise your score up to sixty points in 30 days with one phone call? This is right, this is not a gimmick, there really are techniques out there that can do this and i have personally used this technique with hundreds of clients and seen success!
When you purchase a home, the money lender gives you the choice of using a gift of money from a family member as your down payment when you close. Well instead of having family members gift you a down payment, have them gift you credit history instead which will give you more buying power. I want to make this very clear right from the beginning that you only want to use this secret Im about to share with you with family and friends that have a 700 credit score or higher! If a family member does not have this high of a score then use a friend who does. This credit technique is called mirroring a trade line.
The biggest step to mirroring a trade line is to select the person you want to mirror trade lines from. Again please only use an individual who has a 700 credit score or higher. Once you have selected this person you can safely tell them that if they use these techniques there is nothing you can do to hurt their good standing credit. Let them know that they will be gifting you some of their 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 secret technique works is that you are having some ones good credit history attached to your social security number and your name. For example, if my sister doesn't have good credit and i have 15 years worth of good credit history, i could add her to a few of my good credit accounts. If i added her to a discover card that i have had for 3 years, it would copy 3 years of really good standing credit history on to her account. So how exactly do you mirror?
Have the people you have picked to help you get some credit history call one or two of their credit card providers. Credit card providers are the easiest to be added onto. Have the friend or family member tell their credit company that they want to make you a joint applicant on the account. Make sure that the credit card company asks for your social security number as this is the only way credit history is associated to your report.
There is one major warning to using this credit secret. If you mirror someones credit cards and that person does something to mess up their accounts it will effect your credit score. If you know that someone is about to go through a financial hard time, make sure you get taken off their credit accounts to ensure that your credit score doesnt go down with the ship.
When you purchase a home, the money lender gives you the choice of using a gift of money from a family member as your down payment when you close. Well instead of having family members gift you a down payment, have them gift you credit history instead which will give you more buying power. I want to make this very clear right from the beginning that you only want to use this secret Im about to share with you with family and friends that have a 700 credit score or higher! If a family member does not have this high of a score then use a friend who does. This credit technique is called mirroring a trade line.
The biggest step to mirroring a trade line is to select the person you want to mirror trade lines from. Again please only use an individual who has a 700 credit score or higher. Once you have selected this person you can safely tell them that if they use these techniques there is nothing you can do to hurt their good standing credit. Let them know that they will be gifting you some of their 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 secret technique works is that you are having some ones good credit history attached to your social security number and your name. For example, if my sister doesn't have good credit and i have 15 years worth of good credit history, i could add her to a few of my good credit accounts. If i added her to a discover card that i have had for 3 years, it would copy 3 years of really good standing credit history on to her account. So how exactly do you mirror?
Have the people you have picked to help you get some credit history call one or two of their credit card providers. Credit card providers are the easiest to be added onto. Have the friend or family member tell their credit company that they want to make you a joint applicant on the account. Make sure that the credit card company asks for your social security number as this is the only way credit history is associated to your report.
There is one major warning to using this credit secret. If you mirror someones credit cards and that person does something to mess up their accounts it will effect your credit score. If you know that someone is about to go through a financial hard time, make sure you get taken off their credit accounts to ensure that your credit score doesnt go down with the ship.
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