How to Improve My Credit Score After a Default?

Firstly, it is great that you are looking to improve your credit rating. We can all be irresponsible with our money at times. The trick is to learn from your mistakes and understand what you need to do to move forward. I'm sure many of you have asked the question, "How To Improve My Credit Score After A Default", so let's try and answer that for you.

It may not be something you want to hear initially, but often time is the greatest healer when it comes to improving your credit score. In the main, a default will show on your credit file for up to 6 years. This, of course, will severely impact on your ability to secure credit. However, it must be said that there are lenders out there that will lend to applicants with a default. Although, you must be aware that you will undoubtedly be charged a higher rate of interest for credit, than if you had a clean record.

You have the opportunity to check your credit reports for free once a year. So make sure you take advantage of this. Check that your records are up to date and free of any errors. You will find the longer that you have lived at your current address or the longer you have been with your current employer, will have a positive effect on improving your credit score after a default.

During the times that you don't require any credit, please ensure that you keep your finances intact. Always try and stay within your agreed overdraft limit and look to pay your monthly repayments and bills on a timely basis. Any potential lender will always look at your most recent credit history. Even if you have a default registered and a low credit score, the way you manage your accounts after the event will have certain repercussions. By making repayments in full and on time, this will help to improve your credit score and will also show lenders that you now have your finances under control.

There are many differing means and methods to improve your credit score. Don't ever think that having a default registered against you is the end of the world.

You may want to check out how high spending ex college student Chris Brisson went about raising his credit score by 135 points in 37 days. This was with defaults and late-pays registered against him.

Improve Your Credit Score - Part 3

My system actually won't work for everybody.

As a matter of fact, it won't work for people
who don't take action and people who think
that their credit problems will magically go
away.

Then this isn't for them. It simply won't
work for everybody, but for people who do
take action and follow directions and who are
willing to put in a little effort, I think
they get outstanding results.

'THANK YOU' for taking action and doing what it
takes to have great credit.

Here's the special website

37 Days To Clean Credit

-------------------------------------
Get SIX Free Bonuses!
-------------------------------------

*Bonus #1: My PROVEN Step-By-Step Credit
----
Repair Letters
These proven letters are the EXACT letters that
the big credit repair agencies use. Simply put,
they work like crazy! (Just copy, paste, and send)

*Bonus #2: The Budgeting Success Guide!
----
A complete budgeting guide with 3 PDF guides to
help you track your credit card debt, income, and
expenses.

*Bonus #3: The Interest Annihilator Phone Script!
----
Use this simple script to annihilate your interest
rates on your credit cards immediately!

*Bonus #4: Interest Elimination Video
----
Real Life Video Showing How To eliminate your high
interest payments

*Bonus #5: The Complete Transcripts of All
Audio Interviews!
----
Complete Transcripts of the 4 interviews with
credit experts Donna Fox, Scott Bilker, and
Brett Bruce.

*Bonus #6: My "Snowball" Reduction System
----
This special spreadsheet will help you pay
off your debt faster, quicker, and easier than
ever before. Just plug in your numbers and see
how to reduce your large bills by "following the plan."

Go here right now and claim your copy before it's
too late

37 Days To Clean Credit

Chris Brisson's Improve Your Credit Rating Part 2

I told you about the website the
credit repair industry hopes we never see.

Here it is:

37 Days To Clean Credit

Rumors are flying about industry big wigs
trying to get my website shut down.

Why are they trying to ban it?

I think it's because we're (finally) getting
exposed to the credit repair secrets they've
been hiding all along.

It's all right here in black and white and
chock full o' proof!

37 Days To Clean Credit

The credit repair industry wants to keep this
from us. But that's too bad for them.

People like you and me deserve this information.
And if the credit repair industry wants to ban
my site, that PROVES that these secrets are the
real deal. (Why else would they want to keep this
information from us?)

Anyway - here's the website that everyone's talking
about. I'm the "good guy."

37 Days To Clean Credit

Chris Brisson's 37 Days To Clean Credit

My site could be banned at any moment.

37 Days To Clean Credit

Yes, I know this sounds crazy ...but
the reason I say is simple:

----------------
THIS INFORMATION COULD BRING THE CREDIT
REPAIR INDUSTRY TO ITS KNEES!
----------------

You can see for yourself here:

37 Days To Clean Credit

Before you go there, you should know this
information is pure gold to the credit repair
companies.

Heck, they make millions doing what you
can for free.

People like you and me deserve this information.
And if the credit repair industry wants to ban
my site, that PROVES that these secrets are the
real deal. (Why else would they want to keep
this information from us?)

Anyway - here's the site that everyone's talking
about. It's not joke. People call me the "good guy"
and *them* the bad guys.

Talk soon,

Chris Brisson

P.S. I really *did* get an email from a credit
repair expert telling me they are going to ban
my site because they don't want the info being
leaked out to folks like us. If you want to see
what all the fuss is about, I'd go to the site
now. It might not be there tomorrow.

Here it is again:

37 Days To Clean Credit

Who Else Wants To Know How To Raise Their Credit Score?

Click Here To Get Access To Your FREE REPORT

Or Read On And Collect Your Free Report At The End Of This Article

Have you ever asked yourself, "How Do I Raise My Credit Score?" Over the years you may have racked up numerous debts. These may include, loans, credit cards and mortgages. As your debts increase through constant interest charges, things seem to get a little harder month after month. Perhaps, you have been unfortunate enough to miss some payments. This, regrettably, has the knock-on effect of additional late-payment charges and will eventually ruin your credit score.

The problem is, once you hit the rocky road of having a bad or low credit score, creditors or lenders will look at you with disdain. Gone are the days of being instantly approved for any form of credit. You are now looked upon as a high risk and no-one seems willing to help you.

This is pretty much what happened to me. I had a fairly decent job and that had helped me to secure various forms of credit. It was never a worry to me then, as i always had enough money coming in to cover at least the minimum payments, if not more. However, eventually mounting interest charges or the end of a 0% credit card deal, started to have an adverse effect on me being able to continue making full and regular payments. I had even got to the stage of using one credit card to make a payment on another credit card. So even though i was making some form of monthly payment, i was increasing my debt at the same time. Not Good! This, ultimately ruined my credit score and brought it to an all time low.

I then started searching for professional credit repair agencies. I soon discovered that many of these agencies make substantial claims to improve and raise your credit score. However, the majority charge a King's ransom for the privilege and they don't seem to deliver on their promises.

This is when i came across Chris Brisson's "37 days to clean credit" course. Chris had been in the same boat as many of us before him. As a college student he had built up a total of $14,000 in student loans and credit card debt. He had a small amount of income coming in and started to miss payments. Chris had managed to get his credit score down to a horrid 520! Once again, like so many of his predecessors, Chris scoured every possible resource to improve his credit score. He eventually admitted he got scammed by these so called "professional" credit reference agencies. This is when Chris decided to do something himself about it.

Chris had made a few discoveries along the way. He then went about legally "stealing" some of top secret methods that credit reference agencies use to remove negative items, inquiries, judgements and bankruptcies. After 37 days, Chris had managed to delete 9 inquiries, 5 late-pays, 4 default accounts and 1 judgement. In the process, Chris boosted his score by 135 points to a respectable 655.

So what exactly does Chris reveal in his Course:-

- How to easily delete 30, 60, 90, 120 or 150 day late-pays from your file

- How to easily set up a budgeting system to track income, expenses and all your payments

- A little known secret technique to getting your credit card APR interest dropped to 0%

- How to stop the harassing collections telephone calls

- How to repair bad credit in less than 30 days

- How to boost your credit score by 50 points even if you have the worst credit in the world.

- How to stop foreclosure and then negotiate with your bank to lower your monthly payment by 10% - 20%

These are just a few of the methods that Chris will go through. There are just far too many helpful little techniques to mention here.

One of my favourite systems i learned from Chris, was how to reduce the interest rate of my current credit card. It was as simple as making a phone call. Mention that you have in front of you a competitors details and that they are offering a 0% deal for six months, which will then turn into a 8% rate. Chris advises to always be polite and state that you will be looking to balance transfer unless they can lower your interest rate. In most cases, the operator will speak to a supervisor, who has the ability to drop your interest rate. To threaten to leave (in a nice way) is the key! So simple, but effective.

Another invaluable source contained within this course, is the copy and paste letters. Chris has structured a number of letters to be sent to creditors depending on what form of credit repair you are looking to achieve. The letters are organized in such a way, that you simply need to insert your own personal details in the blank spaces.

In addition to the course, Chris offers an unbelievable 5 free bonuses. They would usually retail at a value of $757, but are yours for free, once you sign up to Chris's course. I absolutely loved world renowned credit card expert, Scott Bilker's Interest Annihilation Method. This is one of your free bonuses. Scott unveils how to get approved for 0% APR credit cards. Scott also discusses the secret language indicators to use when you speak to your creditors. (yes, it's all down to the actual words you use!) and his 3 step debt elimination strategy system.

So if you have finally had enough of the way that lenders treat you, it's time to do something about it! Chris Brisson has come up with a guaranteed program to help you get the credit rating you have always wanted. So let me just quickly run through what you will get, once you have signed up to Chris Course:-

- The complete "37 days To clean Credit Course"

- The Interest Annihilation Method Audio with Scott Bilker

- The Credit Millionaire System with Donna Fox

- Credit Repair Mystery with Brett Bruce

- 45 "Copy & Paste" proven Credit Repair letters

- Super Budgeting Video Walk through

Don't forget to grab your Free Report on the 6 Deadly Credit Repair Myths as well.

Click Here to get started on raising your Credit Score today.