How to Raise Your Credit Score As High As Possible So You can Buy a Home
Keith Goeringer
Watch This Quick Video to Learn How to Boost Your Credit Score by 5 Points Right Now!
Watch This Quick Video First to Learn How to Boost Your Credit Score by 5 Points Right Now!
Hey Friend,
Hi! I’m Keith Goeringer.
I’ve been in the real estate and mortgage game for over two decades, and if there’s one thing I know—it’s that most people are missing out on massive wealth-building opportunities simply because they don’t know how the system actually works.
I built over $1 million in real estate equity, not because I was rich or had a trust fund, but because I learned how to play the game differently.
And now, I want to show you how to do the same.
I’m so excited to share these resources with you because I know firsthand how overwhelming the home-buying process can be—especially if you’ve been told you need a massive down payment, perfect credit, or that now is the “wrong” time to buy.
Boost your credit score with my 20+ Years of expertise and 10k in courses I have purchased. Thousands have seen lower payments and less stress when buying homes after raising their Credit Scores higher. Skip the unnecessary info and focus on these proven Tips & Tricks.
Everything inside this freebie is real, tested, and proven—not just theoretical advice you could Google.
You’re gonna love how simple I make this process (I keep things chill and easy to follow), while giving you the exact strategies I used to turn real estate into a wealth-building machine.
Enjoy the free resources, and if you have any questions—reach out. I’d love to hear how this helps you!
Text me at 615-955-0461 when your score starts rising – let's see how high we can go!
Talk Soon,
10 Ways To Raise Your Credit Score
1. How to Master Your Credit Score and Why It Matters.
2. How to Boost Your Credit with Reporting Services
3. How to Manage Revolving Debt Effectively
4. Why Is Timely Payment Crucial for Your Credit Health?
5. Step-by-Step on Handling Collections
6. Step-by-Step on Setting up CreditRentBoost.com
7. Step-by-Step on Adding Yourself as an Authorized User to Someone's Credit Card
8. Step-by-Step on How to Find Out What Time of the Month a Creditor Reports to All Three Credit Bureaus
9. How to Set Up a Chime Secured Credit Card Step-by-Step
10. Why Paying Collections Can Actually Hurt a Mortgage Credit Score
Chapter 1: How to Master Your Credit Score and Why It Matters
Learn the key factors that influence your credit score, why they matter, and actionable steps you can take to improve and maintain a strong credit profile.
1. Understand the Basics
- Credit scores are numerical representations of your creditworthiness. They’re determined by an algorithm that evaluates your financial behavior.
2. Know the Key Factors
- Credit Mix: Evaluates the variety of credit types you have.
- New Credit: Looks at recent inquiries and new accounts.
- Length of Credit History: Considers how long your credit accounts have been active.
- Credit Utilization: It examines the ratio of credit used to what’s available. Payment History: This is all about how consistently you pay your bills.
3. Take Strategic Actions
- Pay your bills on time, every time. This is non-negotiable.
- Keep your credit balances low. High balances can hurt your score. Pay your bills on time, every time. This is non-negotiable.
4. Monitor and Adjust
- Regularly check your credit report to ensure it’s accurate.
- Maintain low balances on your credit cards. This simple step can make a big difference. Regularly check your credit report to ensure it’s accurate.
5. Smart Credit Management
- Avoid opening too many new accounts quickly; it can lower your score.
- Diversify your credit types wisely. A good mix can positively impact your score.
Chapter 2: How to Boost Your Credit with Reporting Services
1. Understand the Services
Experian Boost includes utility and telecom payments in your credit report, while eCredable Lift adds utility, cell phone, and internet payments to TransUnion. Self Financial reports rent, cell phone, and utility payments to all three credit bureaus.
2. Benefits of Using These Services
By leveraging these tools, you can significantly improve your credit score through the consistent reporting of on-time payments. They are particularly useful for those looking to build or enhance their credit profiles by ensuring everyday bills contribute positively to their credit history.
3. How to Get Started
Sign up for Experian Boost, eCredable Lift, or Self Financial. Link your utility, telecom, cell phone, internet, or rent payments to these services.
4. Monitor Your Progress
Regularly check your credit score and credit report to see the impact of these added payments. Make adjustments as needed to ensure all payments are reported accurately.
5. Maintain Consistency
Continue making on-time payments for utilities, telecom, cell phone, internet, and rent to maximize the benefits of these services. Stay informed about updates and improvements to these credit reporting tools.
Chapter 3: How to Manage Revolving Debt
Managing revolving debt effectively involves maintaining a balance between credit utilization and regular payments. This practice not only helps improve your credit score but also demonstrates responsible financial behavior to lenders.
1.Optimal Credit Utilization
Aim to keep your balances between 10% and 25% of your credit limit. This range shows responsible credit usage without maxing out your available credit.
2. Demonstrates Responsibility
By keeping balances within this range, you show lenders that you can manage credit responsibly and are not relying too heavily on borrowed funds.
3. Positive Impact on Credit Score
Regularly paying down your balances can have a positive impact on your credit score. It shows that you can manage debt and are not a high-risk borrower.
4. Positive Impact on Credit Score
Regularly paying down your balances can have a positive impact on your credit score. It shows that you can manage debt and are not a high-risk borrower.
5. Improves Creditworthiness
Responsible credit usage improves your creditworthiness over time, making it easier to obtain favorable terms on loans and credit cards.
6. Financial Stability
Maintaining low balances indicates financial stability and the ability to manage credit effectively, which can be attractive to lenders.
Chapter 4: Why Is Timely Payment Crucial for Your Credit Health?
Ensuring timely payments is crucial for maintaining good credit health. Implementing strategies like tracking due dates, setting up reminders, and using automatic payments can help you avoid late fees and negative impacts on your credit score.
1.Never Let Anything Go Behind
- Step: Track all payment due dates.
- Why: Avoid late fees and credit score damage.Step: Track all payment due dates.
2. Make Payments on Time
- Step: Pay bills on or before the due date.
- Why: Maintain credit health and reliability.
3. Set Up Reminders
- Step: Use alerts or apps for due date notifications.
- Why: Stay organized and prevent missed payments.
4. Consider Automatic Payments
- Step: Automate payments through your bank or creditor.
- Why: Ensure timely payments and reduce late payment risk.
Chapter 5: Step-by-Step on Handling Collections
Managing collections strategically can minimize their impact on your credit score. Understanding the influence of old collections and negotiating effectively can help improve your financial standing.
1.Be Strategic with Collections
- Approach handling collections with a clear strategy.
2. Old Collections Have Less Impact -Do not pay them off without consulting an Expert
- Recognize that older collections affect your credit score less than recent ones.
3. Request a Pay-for-Deletion Letter if Paying Off a Collection
- Negotiate with the creditor to remove the collection from your credit report in exchange for payment.
Chapter 6: Step-by-Step on Setting up CreditRentBoost.com
CreditRentBoost.com is a tool that allows you to add your rental payment history to your credit report, potentially boosting your score. Let's get started:
1.Go to CreditRentBoost.com and create an account.
2. Provide information about your rental history, including your landlord's name and contact information
3. WATCH as your positive rental payment history is added
Chapter 7: Step-by-Step on Adding Yourself as an Authorized User to Someone's Credit Card
Becoming an authorized user on someone else's credit card can be a great way to establish or improve your credit history.
Here's how to do it:
1. Find someone you trust, such as a parent or relative, who is willing to add you as an authorized user on their credit card.
2. Ask the primary cardholder to provide the credit card issuer with your name and personal information.
3. Wait for the credit card issuer to process the request and add you as an authorized user.
4. Start using the credit card wisely by paying off the balance in full each month and avoiding overspending.
5. Observe as the primary cardholder's positive payment history is re ected on your credit report, potentially boosting your credit score.
1. Sign up at MyFICO.com to gain a comprehensive view of your credit. MyFICO provides detailed and accurate insights, monitoring changes to your credit report and alerting you to important updates. This service is worth the cost for its precision and the peace of mind it offers, helping you stay informed and proactive about your credit health.
2. Set up boost accounts to improve your credit score with on-time payments. Experian Boost adds utility and telecom payments, eCredable Lift reports utility, cell phone, and internet payments to TransUnion, and Self Financial reports rent, cell phone, and utility payments to all three bureaus. These services can significantly enhance your credit profile.
3. If you're renting, use CreditRentBoost.com to add your rent payments to your credit report, even if paid in cash. This service can quickly increase your credit score by ensuring that your timely rent payments are reflected, enhancing your credit profile.
4. Become an authorized user on someone else’s credit card to benefit from their positive credit history. This addition reflects on your credit report, boosting your credit score and helping you build a stronger credit profile.
5. Find out when creditors report to the credit bureaus and keep a record of these dates. This knowledge helps you understand when changes will be reflected on your credit report, allowing you to better manage and anticipate fluctuations in your credit score.
6. Be strategic when handling collections, as old collections have less impact on your credit score. If you decide to pay off a collection, request a pay-for-deletion letter from the creditor to have the negative mark removed from your credit report, further improving your credit profile.
Chapter 8: Step-by-Step on How to Find Out What Time of the Month a Creditor Reports to All Three Credit Bureaus
Knowing when your creditors report to the credit bureaus can be valuable information when it comes to managing your credit score. Here's how to find out
1. Contact each of your creditors and ask when they report to the credit bureaus.
2. Keep a record of the dates that each creditor reports so that you can monitor your credit report at the appropriate time.
3. Consider making payments or addressing any negative items on your credit report just before the creditor reports to the credit bureaus.
Chapter 9: How to Set Up a Chime Secured Credit Card Step-by-Step
A secured credit card can be a great way to build or rebuild your credit history. Here's how to set up a Chime secured credit card:
1. Go to Chime's website and create an account.
2. Apply for a secured credit card by providing your personal information and making a security deposit
3. Wait for Chime to process your application and provide you with your secured credit card
4. Start using the card wisely by making purchases and paying off the balance in full each month.
5. Observe as your positive payment history is reacted on your credit report, potentially boosting your credit score
Chapter 10: Why Paying Collections Can Actually Hurt a Mortgage Credit Score
While paying off collections can seem like a good idea, it can actually hurt your mortgage credit score. This is because, when a collection is paid, the status changes from "unpaid" to "paid," but the collection itself remains on your credit report.
This can signal to lenders that you have a history of not paying your debts, which can negatively impact your mortgage credit score.
BONUS
Step-by-Step on
How to Get a Delete Letter for Paying Off a Debt on Credit
Getting a debt removed from your credit report can be a great way to improve your credit score. Here's how to get a delete letter for paying off a debt
1. Confirm the Debt:
Make sure you know exactly which debt you're dealing with and who the creditor is. This information is crucial for communication and negotiations.
2. Negotiate a Settlement:
Contact the creditor or collection agency responsible for the debt and negotiate a settlement. This could involve paying off the debt for a reduced amount, arranging a payment plan, or settling for a "pay for delete" agreement.
3. Get the Agreement in Writing:
Whatever agreement you reach with the creditor or collection agency, make sure to get it in writing. This could be in the form of an email, letter, or official settlement document.
4. Review the Terms
Carefully review the terms of the agreement to ensure they match what you discussed. Pay attention to details such as the amount to be paid, the date of payment, and any specific conditions.
5. Make Payment
Once you're satisfied with the terms, make the agreed-upon payment promptly. Ensure you keep proof of payment, such as a receipt or bank statement.
BONUS
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Step-by-Step on
How to Get a Delete Letter for Paying Off a Debt on Credit
6. Request the Delete Letter:
After making the payment, contact the creditor or collection agency again and request a delete letter. This is a letter stating that they will remove the negative information related to the debt from your credit report.
7. Follow-up
If necessary, follow up with the creditor or collection agency to ensure they send the delete letter as promised. Be polite but persistent in your communication.
8. Review Your Credit Report
Once you receive the delete letter, give it some time for the credit bureaus to update your credit report. Then, check your credit report to ensure that the negative information has been removed.
9. Monitor Your Credit:
Continue to monitor your credit report regularly to ensure that the negative information does not reappear. If it does, you may need to follow up with the creditor or credit bureaus to rectify the issue.
10. Maintain Good Credit Habits
Moving forward, focus on maintaining good credit habits to prevent future negative marks on your credit report. This includes paying bills on time, keeping credit card balances low, and managing debt responsibly.
By following these steps diligently, you can successfully obtain a delete letter for paying off a debt on your credit and improve your creditworthiness over time.
Oh, and PS—Whenever you’re ready, I have a few ways to help you build wealth through real estate faster!
Here are 4 ways we can do this together
1️⃣ FREE HOME BUYER STRATEGY SESSION → Ready to buy but unsure of your next step? Let’s create a plan that matches the home you want with the payment you need. Book your free strategy session here: Click Here
2️⃣ MONTHLY ‘HOW TO BUY A HOME’ CLASS → Confused about rates, down payments, or how to get the best deal? Join my monthly live training where I break down the home buying process step-by-step and answer your biggest questions. Save your spot here: [Insert Link]
4️⃣ EXCLUSIVE HOME SEARCH SYSTEM → Stop searching Zillow, who sells your information to dozens of lenders. Instead, let me give you access to a private home search system where I personally help you find the best deals—no spam, no endless calls, just real results. : [Search For Free Here]
📩 Got questions? DM or Text Me—I’d love to help!
Talk soon,
Keith
Ready To Get Started?
Next Steps to Raise Your Score!
Have Questions? Let's Chat
Call or Text Me Directly at 📞615-955-0461!
I am a real person and here to help you every step of the way! Whether you're not sure about the next steps or just need clarification, feel free to reach out anytime. I'll personally answer your questions and guide you. .
