Did you know that there are some helpful secrets that can raise your score up to 60 points in 30 days with one letter or phone call? We are not joking, this is no gimmick, there really is a technique pattern out there that can do this and i have personally used this technique with hundreds of clients.
When you buy your home, the lenders give you the choice of using a gift of money from a family member as your down payment. Well instead of having family member gift you money, have them gift you credit history which will give you more buying ability. I want to make this clear right off from the start that you only want to use the technique Im about to share with you with family and friends that have a 700 credit score or higher! If a family member does not have this high of a score then use a friend who does. This credit technique is called mirroring a trade line.
The biggest step to mirroring a trade line is to select the person you want to mirror trade lines from. Again please only use an individual who has a 700 credit score or higher. Once you have selected this person you can safely tell them that if they use these techniques there is nothing you can do to hurt their good standing credit. Let them know that they will be gifting you some of their credit history that will help you make the purchase you need to make. Also let them know that they can remove you from their credit accounts at any time.
The way that this credit fixing secret works is that you are essentially having some ones good credit history attached to your name and social. For example, if my wife didnt have credit history and i had 10 years worth of good credit history, i could add her to a few of my credit accounts. If i added her to a master card that i have had for 7 years, it would copy 7 years of excellent credit history to her account. So how exactly do you mirror?
Make sure the person you have selected to help you calls one or two of their credit card account providers. Credit card accounts are the easiest types of accounts to be added to. Have the person helping you tell their credit company that they want to make you a joint applicant on their accounts. Make sure that the credit company asks for your SSN as this is the only way the credit will be associated to you.
There is one disclaimer to this secret however. If you mirror someones credit history and they do something to mess up their credit accounts it will absolutely effect your credit score. If you know the person you selected is about to go through a hard time, make sure you get taken off their credit accounts to ensure that your credit score doesnt go down with the ship.