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 a home, the bank lenders give you the option to use a gift of money from a family member as your down payment to put down at closing. Well instead of having family members gift you money, have them gift you some credit history to better your situation and give you more buying power. I want to make this clear right off the bat that you can only want to use the technique Im about to share with you with individuals that have a 700 credit score or higher! If a family member does not have this score then use a friend, but it does not matter. The technique is called mirroring a trade line and i have seen huge amounts of success with this.
The very first thing to mirroring a trade line is to first of all find the person you require to mirror. Again only use someone who has a 700 mid credit score or higher. If you have found this person you can safely say that if they help you with this process that there is not a thing you can do to hurt their credit scores or history. Let the individual know that they will be gifting you some of their credit score history that will help you make the home purchase you require to make. Also let them know that they can remove you from their credit accounts at any time.
The way that this secret technique works is that you are having some ones good credit history attached to your social security number and your name. For example, if my sister doesn't have good credit and i have 15 years worth of good credit history, i could add her to a few of my good credit accounts. If i added her to a discover card that i have had for 3 years, it would copy 3 years of really good standing credit history on 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 major warning to using this credit secret. If you mirror someones credit cards and that person does something to mess up their accounts it will effect your credit score. If you know that someone is about to go through a financial hard time, make sure you get taken off their credit accounts to ensure that your credit score doesnt go down with the ship. - 26221
When you buy a home, the bank lenders give you the option to use a gift of money from a family member as your down payment to put down at closing. Well instead of having family members gift you money, have them gift you some credit history to better your situation and give you more buying power. I want to make this clear right off the bat that you can only want to use the technique Im about to share with you with individuals that have a 700 credit score or higher! If a family member does not have this score then use a friend, but it does not matter. The technique is called mirroring a trade line and i have seen huge amounts of success with this.
The very first thing to mirroring a trade line is to first of all find the person you require to mirror. Again only use someone who has a 700 mid credit score or higher. If you have found this person you can safely say that if they help you with this process that there is not a thing you can do to hurt their credit scores or history. Let the individual know that they will be gifting you some of their credit score history that will help you make the home purchase you require to make. Also let them know that they can remove you from their credit accounts at any time.
The way that this secret technique works is that you are having some ones good credit history attached to your social security number and your name. For example, if my sister doesn't have good credit and i have 15 years worth of good credit history, i could add her to a few of my good credit accounts. If i added her to a discover card that i have had for 3 years, it would copy 3 years of really good standing credit history on 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 major warning to using this credit secret. If you mirror someones credit cards and that person does something to mess up their accounts it will effect your credit score. If you know that someone is about to go through a financial hard time, make sure you get taken off their credit accounts to ensure that your credit score doesnt go down with the ship. - 26221
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