How can I raise my credit score?

Once we run your credit we can see if there is anything that is affecting your score that can be corrected. I have sophisticated simulation tools to determine what actions can be taken to increase your credit score. I have had great success in increasing borrowers credit scores using these models. I also can share insider secrets on ways to dramatically increase your score and help you do so. We can often increase scores within 72 hours with a rapid re-score.  We can also get errors removed as well. 

If there are not immediate ways to raise your score then time is the best way to increase your score. There are specific things you can do to maximize your credit score which I will be happy to share with you!


As such, it is important to be aware of the positive and negative variables that affect your rating so that you can improve your credit score before you need to use it as a tool to obtain a loan. You can improve your credit score a little each year (by as much as 50 points) by careful management of your credit obligations.


Positive Habits

  • Develop habits that promote good credit history (make payments on time, pay down cards leaving available balances, etc)
  • Monitor all three credit reporting bureaus (to ensure accurate reports )
  • Obtain credit reports annually and request corrections in writing
  • Look around for lenders that will loan to high-risk consumers:
  • Alternative lending sources can help re-establish credit and recover from damaged credit history. They often charge higher interest rates to reduce their risk.
  • Create a savings account. Money down is a positive motivator to a lender as it reduces the credit risk
  • Pay timely even if the bill is not a loan (such as your utility bills)
  • Explain one-time digressions; lenders may take it into consideration


Negative Habits


  • Don't request a series of credit checks in a short period of time – lenders presume unstable credit conditions (However, lenders understand that vigilant credit managers will monitor their own credit reports to keep them accurate and positive)
  • Don't take on more credit than you can consistently manage
  • Don't “max out” your credit cards
  • Don't spend beyond your ability to pay - lenders are not going to want to fund extravagance beyond your economic abilities
  • Don't quit building credit because of a setback such as a bankruptcy – go to work re-establishing credit (even a small consumer loan allows you to rebuild a good payment history)


Many lenders are more concerned with what you have done since a derogatory incident than what happened before, say, a bankruptcy


Don't leave errors undisputed; request corrections in writing

United American Mortgage - 22144 Clarendon Street Suite 120, Woodland Hills, CA 91367
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