SUCCEED 20 / 20 CREDIT VISION PLAN
This plan is intended to be a roadmap to building a 720 plus credit score.
This plan will be a guide to show all the things that affect your credit report and credit score.
This plan will also show how to build your credit as well as restore your credit.
STEP 1
CREDIT COMMITMENT
If you decide that you want to have the best credit score for the rest of your life, it is necessary to have a specialized Credit consultant to guide you through your credit building and credit restoration process. Statistics show that people that use a consultant to help with their credit have a far better chance of keeping a 720 plus credit score for the remainder of their lives.
Lets Get StartedSTEP 2
CREDIT MONITORING
Being able to see your credit reports and credit scores on all three credit bureaus in very important in establishing good credit.
STEP 3
CREDIT REPORT
Learn how to interpret and read your credit report so that you have a full understanding.
STEP 4
CREDIT SCORE
Your credit score will determine the amount of interest you will pay over the course of your lifetime.
STEP 5
CREDIT PROFILE
In order to get the best credit score, you must have the right credit profile that reflects your real information.
STEP 6
CREDIT INQUIRIES
Unauthorized credit inquiries can bring your credit score down. Learn how to remove all unauthorized inquiries.
STEP 7
CREDIT OPEN ACCOUNTS
In order to have a strong credit score, you need to have 5 to 7 open accounts.
STEP 8
CREDIT CLOSED ACCOUNTS
Closed accounts that report negative history and negative payments can have a major affect on your credit score.
STEP 9
CREDIT REVOLVING ACCOUNTS
In order to maintain a 720 plus credit score, you will have to show that you can manage 3 to 5 credit cards in your name.
STEP 10
CREDIT INSTALLMENT ACCOUNTS
In order for you to maintain a 720 plus credit score, you will need to manage 2 to 3 installment accounts on your personal credit.
STEP 11
CREDIT AUTHORIZE USER ACCOUNTS
Authorize user provide a way to establish new credit with new lenders. Learn how authorize users affect your credit score.
STEP 12
CREDIT LATE PAYMENTS
Learn how to avoid late payments on your credit report that will drastically lower and destroy your credit score.
STEP 13
CREDIT COLLECTION ACCOUNTS
Make sure your credit report does not have any collection accounts. If you do, learn how to get all your collection accounts removed.
STEP 14
CREDIT PUBLIC RECORDS
Make sure your credit report does not reflect any public records. If you have any public records, learn how to them removed.
STEP 15
CREDIT UTILIZATION
All of your revolving accounts on your credit report need to be under 30% utilization. Learn how to use, pay, and report your credit utilization.
STEP 16
CREDIT PAYMENT
Understand how to make payments on your credit report so that you receive the highest credit scores.
STEP 17
CREDIT MIX
Having a good credit mix will enhance your credit score. Learn how to get the best credit mix.
STEP 18
CREDIT AGE
Your credit age can make a difference in your credit score. Learn how to boost your credit age on your credit report.
STEP 19
CREDIT NEW ACCOUNTS
There is a time to get new credit accounts on your credit report. Learn the cycle of credit for your credit report.
STEP 20
CREDIT PERCENTAGES
Knowing how your credit score is calculated by percentages in very important to produce the best credit score.