CREDITedit, LLC

Good Credit for a Change
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                  Here are the 3 Most Common Bad Credit Issues and How to Instantly Fix, Repair or Clear Them!
How to quickly improve, raise, increase or instantly boost your credit score fast -- usually in about 24 hours:


1.) Credit card balances exceed 30% of the credit limit:

   a. Pay down the credit cards to less than 30 percent of the credit limit 
   b. Ask the credit card company to increase the limit. This can sometimes be instantly done on your online banking system.
        If not, here are the questions to ask over the phone:
         - Can you increase my credit limit without pulling my credit score?
         - Can I request a specific limit or will you deny me all together?  Will you make a counter offer?
   c. If you have some credit cards with low balances, transfer funds from one card to another so that each has less than a 30%
       balance
   d. If you are 4 months from needing a mortgage, obtain a new credit card and transfer balances so each is less than 30% of the
       credit limit

2.) Remove all errors from your credit reports to instantly boost your credit score fast:

Concentrate mainly on high priority errors that happened within the last 2 years.  Some priorities are:
   a. Information that is listed more than once, verify there are no duplicate collections
   b. Negative payment history
   c. Bankruptcy items that are still showing as past due accounts or not included in bankruptcy
   d. Accounts that are not yours
   e. Collection notices that are not yours
   f. Social Security Numbers and names that are not yours
   g. Accuracy of credit limits; no reporting or low limits can hurt

   Don't spend too much effort on date of birth, address, wrong employer, delinquencies older than 2 years or wrong account         
   numbers.

3.) Collections or Charge Offs showing on the credit report:

   a. We don't suggest paying a collection unless the creditor or collection agency has agreed to delete the collection in
       writing.  Paying a collection is like admitting guilt and this can lower your credit score.
   b. Collections 2 years or older will only hurt your credit minimally and they are not worth pursuing.
   c. Try to get the collection deleted from your credit report by receiving a letter of deletion from the creditor or collection agency.
   d. Always negotiate charge-offs before settling a payment.  Most creditors should accept less than 50% of the remaining
        balance.

PLEASE NOTE:  if your credit report is really bad, contains several negative items and/or credit score below 700, it is suggested you contact us immediately for proper assistance and efficient results.

Focusing on just these 3 areas of your credit report, you should dramatically increase or instantly boost your credit score fast within 30 days!  If you need professional assistance, please contact CREDITedit.
 
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CREDITedit LLC, 1712 E. MAIN STREET, #428, MILLVILLE, NJ 08332
Privacy/Disclaimer:  CREDITedit, LLC does not claim to "clean" or "improve" your credit report, credit record, credit history, credit rating and/or credit score.  Our service is for the express purpose of helping you automate the time-comsuming process of obtaining your credit reports, discuss your credit profile, disputing, validating or verifying items on your credit reports, prepare sample documents in order for you to communicate with consumer reporting agencies, creditors, debt collection agencies, contesting items within your credit reports and/or how to re-establish credit.  There is no secret to fixing, repairing and/or restoring bad credit.  Abiding by law, CREDITedit, LLC does not offer, nor guarantee, to improve or modify the credit standing of any consumer. Credit report information that is accurate and not obsolete may not be removed or deleted.
Important: The articles, illustrations, testimonials, and/or examples given in this website are in no way indicative of the actual changes you may experience by using CREDITedit, LLC.  In keeping with the Fair Credit Reporting Act, CREDITedit will only prepare the dispute/challenge letters to contest certain incomplete, inaccurate, unverifiable, outdated, and/or erroneous items in your credit profile. No specific outcome is expressed, implied or promised, and your actual results may vary. Factors contributing to these variations can include new inquiries, opening new tradelines, the addition of new derogatory accounts, and fluctuating balances on existing revolving accounts.  CREDITedit, LLC, as an affiliate, may receive a small commission on products/services it markets, and makes no guarantees/warranties regarding those products/services.
We take your privacy seriously. We do not spam nor will we sell, rent, or distribute your information to any third party unless you explicitly request us to do so. We do not encourage you to dispute known accurate credit items or engage in unethical behavior. The client experiences and information that may appear on this website are not intended to be legal advice; and past performance does not guarantee future results. Every person's case is unique, and individual results will vary; and CREDITedit, LLC does not guarantee any particular results within any given period of time.  The services of CREDITedit, LLC and/or its affiliates may not be available in all states.  CREDITedit, LLC is not a "debt adjuster", "debt consolidation service" and not a "non-profit consumer credit counseling agency".

CREDITedit, LLC VOLUNTARILY PROVIDES YOU WITH THIS DISCLOSURE

IT IS OUR INTENT TO PROVIDE CONSUMERS WITH THE RESOURCES IN ORDER TO HAVE THE CONSUMER REPORTING AGENCIES REPORT THE MOST FAIR, COMPLETE, ACCURATE AND VERIFIABLE CREDIT PROFILE OF A CONSUMER; THEREFORE, CREDITedit, LLC DOES NOT, NOR SHOULD ANYONE, CLAIM OR GUARANTEE TO IMPROVE ANY CREDIT REPORT BY PERMANENTLY REMOVING NEGATIVE INFORMATION, EVEN WHEN IT'S ACCURATE, CURRENT AND VERIFIABLE; CREDITedit, LLC DOES NOT, NOR SHOULD ANYONE, SUGGEST THAT YOU APPLY FOR AN EMPLOYER IDENTIFICATION NUMBER TO USE INSTEAD OF YOUR SOCIAL SECURITY NUMBER SO YOU CAN INVENT A "NEW" CREDIT IDENTITY -- AND THEN, A NEW CREDIT REPORT; THE BENEFITS OF USING CREDITedit, LLC SERVICES ARE AS FOLLOWS: DISCUSS HOW TO UTILIZE CERTAIN CONSUMER PROTECTION LAWS REGARDING YOUR CREDIT PROFILE, REDUCE JUNK MAIL VIA "OPT-OUT", "DO NOT CALL" REGISTRY, DOCUMENT PREPARATION IN ORDER TO DISPUTE/CHALLENGE CERTAIN CREDIT REPORT INFORMATION, AND/OR TO VERIFY OR VALIDATE ACCOUNTS WITH CREDITORS OR COLLECTION AGENCIES; CREDITedit, LLC DOES NOT, NOR SHOULD ANYONE, CLAIM OR GUARANTEE TO IMPROVE ANY CREDIT REPORT OR CREDIT SCORE, OR ANY ABILITY TO OBTAIN CREDIT; THE TOTAL COST OF CREDITedit, LLC SERVICES WILL BE $199 FOR AN INDIVIDUAL OR $299 FOR INDIVIDUAL WITH SPOUSE; YOU, THE CONSUMER, MAY CANCEL ANY AGREEMENT WITH CREDITedit, LLC AT ANY TIME PRIOR TO TWELVE (12) MIDNIGHT ON THE THIRD (3RD) DAY AFTER THE DATE OF THE TRANSACTION. DURING THIS 3-DAY "COOLING OFF" PERIOD, ANY MONEY YOU MAY HAVE PAID CREDITedit, LLC WILL BE RETURNED TO YOU. AFTER THIS NOTICE OF CANCELLATION PERIOD HAS LAPSED, ALL SALES ARE FINAL AND CREDITedit, LLC OFFERS NO REFUNDS. 

THIS NOTICE IS REQUIRED BY LAW.   Read more at FTC.GOV.
You have the right to a free credit report from AnnualCreditReport.com or 877-322-8228, the ONLY authorized source under federal law.
 
 
CREDITedit, LLC is a rapid credit bureau report dispute letter preparation and consulting company for faster, immediate, emergency credit score repair service that may help to fix, repair, restore, delete or remove bad, negative, poor credit.  With a good, higher, boosted or  increased FICO credit score rating, you may qualify to buy a house, car or get a job.