1.  Obtain a Free copy of all three credit reports and credit scores from Experian, Equifax, and Transunion

Many consumers are unaware that they can obtain a free copy of their credit report at www.annualcreditreport.com. Consumers are entitled to one (1) free copy from Experian, Equifax, and Transunion every 12 months. www.annualcreditreport.com was created by Experian, Equifax, and Transunion due to the Fair and Accurate Credit Transactions Act.

The following are the best providers of your credit reports and scores. No purchase or credit card required - 100% Free:

A. Annual Credit Report - www.annualcreditreport.com Provides 100% Free Experian, Equifax, and Transunion credit reports.

B. CreditKarma.com provides VantageScore 3.0 scores from TransUnion and Equifax, with weekly updates, as part of its free Credit Report Card service.

C. Freecreditscore.com provides FICO scores from Experian, with updates every 30 days, as part of the credit report included with its free membership account.

D. CreditSesame.com provides VantageScore 3.0 scores from TransUnion as part of a free subscription service.

E. Wallethub.com provides VantageScore 3.0 scores from TransUnion, with Daily updates, as part of its free Credit Report Card service. WalletHub is the only company that provides daily updates.

F. Credit.com provides VantageScore 3.0 scores from Experian, with updates every 30 days, as part of the credit report card included with its free membership account.

G. Quizzle.com includes a VantageScore 3.0 score from Equifax and an Equifax credit report with its basic free membership and updates the score every six months.

2.  Remove all errors from your credit report.

Once you have a copy of all three credit reports, start looking for inaccurate information. 85% of Americans have an error on their credit report. 25% of the credit reports have an error that stopped consumers from getting a loan.

The most common types of errors to fix are incorrect limits and balance, date account opened, date of last payment, date of first delinquent, duplicate listings of collections, or past due accounts reporting after the 7 or 10 year statute of limitations.

When disputing your debt, refrain from using the sample dispute letter templates that you see all over the internet. They are potential red flags to the credit bureaus which could possibly place your disputes in the Frivolous pile, see [FCRA Section 611(a)(3), 15 USC §1681i (a)(3)].

3.  Reduce all credit card balances under 30% of the credit card limits.

Pay down the balance of credit cards that are at their limit. Keeping cards close to their limit have a negative effect on credit scores. You want to keep all credit card balances below 30 percent of their limits.

4.  Add a Seasoned Authorized User Accounts to your Credit Report

Buying seasoned authorized user tradelines is the fastest and most reliable way to dramatically and permanently increase your credit score. Once purchased, the entire credit history from the seasoned tradeline is transfered to your credit report. Just adding 1 tradeline to your credit history will have a huge impact on your credit score. Credit cards are the best tradelines to purchase. Make sure the tradeline is at least 6 years old with no late payments, and a balance below 30%.

ABOUT MAS CREDIT REPAIR

Marc A. Stephens (MAS) provides personalized consulting services to individuals and businesses. MAS has prepared the most effective credit repair process with over 15 years of proven results. Pursuant to United States Code Title 15 U.S.C. § 1681g(c)(2)(E) for credit repair, MAS can rapidly remove any item from your credit report, even if the debt is yours. MAS takes tremendous pride in ensuring that clients have a realistic plan of action to successfully repair their credit.

MAS will quickly delete the following items from your credit report:

Auto Loans, Bank Loans, Bankruptcy, Charge-Offs, Child Support, Collections, Credit Cards, Foreclosures, Home Loans, Inquiries, Judgments, Late Payments, Liens, Repossessions, School Loans, Utility Bills