Steps to Optimize Your Credit Scores
If you are sending me credit reports, please mail them to: WCS Po Box 1658 Richmond, KY 40476
If you are here for payment, I now have that on PAYMENT page. Just click PAYMENT.
***NEW*** Subscribe to the WestCreditServices YOUTUBE channel to get notifications of when I will upload my monthly podcast about relavent credit events, business related topics , along with videos I will be uploading with “how to” tips on details of optimizing your scores. Liking the videos will get this information out to others that can be helped from these services.***NEW***
FREE CREDIT REPORTS…this will take you to the annualcreditreport.com website, where you are entitled to free credit report every year. You do NOT have to purchase scores.
FREE FICO SCORE….use the Experian App to get the only true FICO free score on the net, you do not need to give any credit card info.
Credit Strong….great program to add credit to your report with an affordable payment and savings program has business credit options available as well. Only for those needing new credit lines. Scroll down page past secured cards after you’ve click the link and you will see CreditStrong.
Kikoff....a new program that appears to work well to help build credit. I’ve had several confirmations from clients, that this has worked. I don’t list new projects just to list them. This one seems to work well. Once you’ve click on link, scroll down to bottom of page to see KIKOFF.
KOVO Credit Builder…..another great new program to build credit. Check out perks carefully. After you’ve click link scroll about halfway down the page and you will see KOVO.
SECURED Credit Card….secured credit cards, add RENT to credit, business credit option and other credit building instruments. Scroll down entire page for options.
Capital One Platinum Rebuild Card….one of best cards to rebuild credit that has no annual fee. Apply only if recommended by Greg. Call if questions.
Discover Card…one of best primary cards that I recommend, but need to be around 620 or higher for decent approval. Call if questions.
CapitalOne Quicksilver….great upper tier card with cashback. Apply only if in higher score brackets close to 700 or so. Call if questions.
OptOutPreScreen…..do this 5 year electronic optout to remove yourself from junk mailings. Back in the day, supposedly helped raise scores. Regardless, can’t hurt.
Lexis Nexis...anyone looking to buy property needs to get this report. If been sued, judgment do not appear on standard credit reports anymore. This report will show you those as well.
Win In Court…best course I ever took. Learn to defend yourself in court, without an attorney. Simple 8th grade level stuff. Best $250 I’ve ever spent on education. With how aggressive bill collectors are getting and our litigation society in general, this may be a necessary skill to learn.
Do Not Call Registry can help lower all the unwanted “sales” calls you are getting. Does not really help with credit,but have noticed 10 fold increase with calls from lending companies, as there is all time high credit card debt. Also, once registered, report repeat offenders to the FTC.
Below is an interview I did where they asked me some great questions about credit and debt. This is the type of wisdom you have access to when you ask for a free consultation.