CX99W Financial GuideImprove Your Credit ScorePosted  by Credit  in tips & tricks| 0 commentsIn today’s world of economic turbulence your credit score is probably the most important support for your household economy. It can be used almost by everybody, beginning with the banks, to evaluate your applications for credit, through landlords regarding housing, insurance agents, even if you apply for a new job, there’s very few of employers who will not take a look at your credit score. With this in mind, you need to be sure that the information regarding your credit report is accurate, very precise and up to date. You can do that by monitoring your credit periodically. FTC says that is necessary at least once a year to check your credit report. There are even a couple law possible mechanisms for you to easy reach your credit report for free on a periodic basis. In the next article we will try to explain how to most easily overcome all obstacles related to credit score and annual credit report.If you are interested in UMP and are eager to learn more then visit www.ultimatemerchantproviders.com. (more…)Top 5 Credit Building SecretsPosted  by Credit  in tips & tricks| 0 commentsImproving your credit score starts with knowing exactly what your credit score is right now. So, first step is to obtain a copy of your credit report. This report contains your complete credit history, every financial transaction, what you bought, rented, leased, your loans, and payments to credit cards and utility companies. Everything is laid out showing the amounts, the dates, whom you paid, and, most important, if you paid on time as agreed. The good news is, you are entitled to a free annual credit report from each of the three major credit bureaus and there is only one government site where you can get these free reports. More on that in a minute.Check out this website on ultimatemerchantproviders.com.1. Check your credit report for errors, mistakes, and charges that are not yours.This is perhaps the fastest way to improve your score. You need to challenge anything that is not being correctly reported. It does happen. I caught errors and gained 10 points on my score immediately. If you find an error, contact the business or person who reported you to the credit bureau if you can prove the charge is not yours. Then, you challenge these errors in writing to the credit bureaus. Tell them your story. They will investigate and report back to you, usually within 30 days of your challenge. Once you clean up your report, sign up for a credit monitoring service. They are cheap, about $30 a year, and you get monthly reports plus immediate alerts when anything appears on your credit report. It is cheap insurance to keep an eye on your credit.2. Get your payments caught up to date.Look over your report. You will see what they call “aging.” Your payment history is shown in 30-60-90 day payment increments. Get those cleaned up first by paying them up to date and keeping them on t