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Perfect Credit Solution – Credit Repair, Erase Negative Items

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We we introduced a new process that provided access to credit repair insights, platforms and solutions that changed lives

We we introduced a new process that provided access to credit repair insights, platforms and solutions that changed lives

Perfect Credit Solution is a 90 percent referral based company that has worked very hard over the years to perfect our level of service and provide real solutions for our clients when it comes to raising their credit scores. Service and solutions are imperative, but timing and technique are also vital to help consumers repair their credit. Through guided strategies from our credit experts and deleting erroneous, unverifiable information reporting on consumers credit reports, we have helped thousands of U.S. families increase their credit scores even after BK’s, foreclosures, etc.

3669 NJ-35, Lavallette, NJ 08735, USA.

Perfect Credit Solution works hard to provide what you need most at this uncertain time in your life, however serious or minor your credit challenge is. We are a company with real people who care about your situation. We pride ourselves on our ability to accurately assess your situation and focus on the key changes that are needed to achieve a 70 to 100+ credit score increase (our average client score increase) in the shortest amount of time possible (60 to 120 days on average). Not only do we have an amazing pre-litigation process that delivers great results, we also have built an amazing pro active and reactive customer service department tailored to meeting or exceeding our valued client’s expectations.

This release was published on openPR.

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How to Build Credit Without a Credit Card – MoneyWise.com

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How to Build Credit Without a Credit Card  MoneyWise.com

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Can You Buy Crypto With a Credit Card? – MoneyWise.com

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Can You Buy Crypto With a Credit Card?  MoneyWise.com

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Ask Gareth Shaw: ‘I’m scared I’ll get rejected for credit card because of mistakes I made in the past’

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‘Credit-builder’ cards can be used to demonstrate that you are a responsible borrower

Answer: Well done to you for getting back on your financial feet. Climbing your way out of debt is a marathon – it takes sacrifices and planning, so you’ve taken some really important steps in your financial journey.

The good news is that the negative information – the records of missed payments, defaults and even county court judgments – won’t stay on your credit report forever. Details of your late payments can be viewed for six years after they were settled. Searches and rejections of credit typically disappear after 12 months. So this dark cloud won’t hang over you forever.

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Before we talk about applying for credit again, there are steps you can take to improve your credit health. Firstly, you should review your credit reports and make sure there are no errors that could be holding your score back. You can get your credit report for free from each of the three credit reference agencies – TransUnion, Equifax and Experian – and can ask them to investigate errors. Lenders and credit reference agencies have 28 days to respond to disputes.

Registering to vote by getting on the electoral roll can boost your credit score, while you may even be able to add the record of your monthly rent payments to your credit score by asking your landlord to report rental payments to firms like The Rental Exchange, CreditLadder or Canopy.

Experian has launched a new tool that allows you to share information about your banking habits and subscriptions – information which is not traditionally factored into your credit score – in order to increase your score. That means paying your council tax or even paying for Netflix and Amazon Prime could give your score a boost.

If you still want a credit card, your choice is likely to be limited to a particular set of cards designed for people with poor or ‘thin’ credit histories. These are known as ‘credit-builder’ cards, or sometimes ‘bad credit’ cards.

These cards have higher interest rates compared to the most competitive products in the market, to reflect the risk that a lender is taking in by providing credit to someone with a history of repayment problems. You can expect to find an APR of around 29 per cent. They also have lower limits, so when you apply, don’t be surprised to find that the lender will initially only give you £250 to £500.

However, these cards can be used to demonstrate that you are a responsible borrower, can repay on time and stay within your credit limit.

Here’s the golden rule – avoid borrowing money on these credit cards. Purchases tend to be interest-free for 55 days, after which you’ll be charged a considerable amount of interest. So limit the use of these cards, and when you do use them, try to pay them off in full. If you don’t pay on time, you will lose any promotional offer, be hit with a fee and your provider will report your missed payment to the credit reference agencies, reversing any good work you might have done. Set up a direct debit to ensure that your minimum payments are met in advance of the credit card payment date.

When you apply, use an eligibility checker first. This will ask for some basic information and carry out a ‘soft search’ on your credit file, returning a list of cards and the probability of your application being successful. That would be a helpful guide to find a card that is likely to accept you.

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