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Credit Score Tips and Tricks on how to Improve Your Credit Score
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Credit Score Tip and Tricks Book


In todays tough economic times, where every person is being judged by his/her number (credit score), having a good credit and credit score is more important than ever before. You need to have a good credit just to rent an apartment, rent a car, open a bank account, get auto and home insurance, get a job, buy a car or obtain a home mortgage.

Just a few points on your score can be the difference between getting a home loan, auto loan, or even a credit card.

Depending on your credit score you could be denied of getting a loan, would be offered a good or normal rate, or would be offered a loan with higher than normal rate and/or requiring more down payment, etc. Like most cases in finance, those with the lowest risks get to pay the lowest rates.

Approximately 70% of Americans have some form of negative information on their credit reports!

According to The 2013 Consumer Financial Literacy Survey and 4Ways American are Financially Illiterate by Wall Street Journal reported in June 2013, we have the following statistics:

         26% of American adults (about 61 million) do not pay all of their bills on time.

         7% of American adults (about 16.5 million) have debt in collection

         37% of American adults (about 86 million people), carry credit card debt from month to month

         40% now give themselves a grade of C, D, or F on their knowledge of personal finance

         14.2% of consumers fall into the 300 to 549 FICO score range. This is the lowest score range that no lender gives loan to anybody for any purpose.

         61% of American adults failed the basic finance test.


         The Federal Trade Commissions February 2013 report shows that as many as 26% of people have an error on their credit report.

         60% have not reviewed their credit score within past 12 months

         65% have not reviewed their credit report within past 12 months

         National independent studies show that the average American lacks the knowledge, skills and tools necessary to make the most effective decisions regarding financial matters


         Educate yourself to manage your finance and your credit more effectively,

         Know what is being reported in your credit file,

         Know how to remove or correct obsolete and or inaccurate information from your credit files,

         Know tips and tricks to build and improve your credit score,

         Be aware of traps no to fall into,

         Know your rights under the Fair Credit Reporting Act.

         Follow the list of DOs and Donts under different situations

         and more.


Do yourself a favor and save some money, too. Dont pay fees to repair your credit history.

Do It Yourself: Obtain a copy of this book, Credit Score: Tips and Tricks on how to improve your credit score and start improving your credit score free.

To order your book click here.





What is in this book for you?

Unfortunately, it is becoming increasingly common for information in the credit reports to be considered in employment decisions, approving loans, auto and home insurance, getting credit cards, etc.

Credit reports and scores play a major role in determining for which mortgage product or loan you will qualify, and to which rate you will be assigned by your lender.

This book was designed to help consumers understand what a credit report and a credit score is, how to establish or re-establish a good credit history, manage their credit reports and provides tips and tricks on how to improve their credit scores.

In summary, this book provides answers to the following questions.

         What is a credit report?

         What is a credit score?

         What is a FICO score?

         Who are the major credit reporting agencies in U.S?

         Why credit scores are so important?

         What is a credit reports made up?

         What is a credit scores made up?

         How can I improve my credit score?

         How much a slightly bad credit score cost me?

         How much an increase of 1% in interest rate cost me?

         Are there other credit scoring companies?

         How do I access my credit reports and credit scores?

         How can I establish a good credit history?

         How can I re-establish or improve my credit scores?

         Where and who should I contact to correct an error in my credit report?

         What types of credit are available?

         What are my rights as a consumer?

This book also provides other useful information as follows:

         List of Dos and Donts before applying a loan

         List of Dos and Donts after applying and before closing a mortgage loan

         List of Dos and Donts after foreclosure, short-sale, bankruptcy, and other derogatory accounts

         Many examples of how to improve your credit scores, utilizing our tips and techniques

         Federal law: The Fair Credit Reporting Act (FCRA)

         Federal law: The Fair and Accurate Credit Transaction Act (FACTA)

         Federal law: Equal Credit Opportunity Act (Regulation B)

         Federal law: Fair Debt Collection Practices Act

         Texas Fair Debt Collection Practices Act

Mobile: 214-457-7055
Fax:    972-596-7984
email: Bahman@TexasFiveStarRealty.com

Equal Housing Opportunity Commission Bahman Davani REALTOR

Bahman Davani, CM, RP
TAHS, eAgentC, and
CCIM Candidate

Texas Five Star Realty
Office: (214) 457-7055
Cell: (214) 457-7055

Plano, TX 75026-1665

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