Subject: Urgent: Your 2016 Credit Score May Have Changed.

From: Flora Atterson <[email-masked]>
Date: Wed, 23 Nov 2016 09:45:43 -0500

------------THIS IS AN ALERT------------

REMINDER: PLEASE CONFIRM/DISPUTE NEGATIVE ITEMS APPEARING ON YOUR CREDIT REPORT

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FREE CREDIT SCORE

NOTIFICATION #424343- DT. Wed, 23rd Nov 2016 09:02:51 -0400
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THIS MESSAGE HAS BEEN GENERATED. You' re receiving this alert today to inform you that
there may have been something added your credit report that is negatively affecting it.
The basic details of this appear below.

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- DATE: 23 Nov 2016 09:02:54 -0400
- Ref: 1476810099
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Click here now to view your results and confirm/dispute your findings

You have a 7 day free trial available to complete any dispute at no cost to you.

Thank you

To be removed from these notifications click here or write to: Free Credit Click 6119 Greenville Ave #354 Dallas, Texas 75206

------------END ALERT------------

One of the top questions people ask me is how to improve their credit score. I often reply, ? All you have to do is ask. ? They look at me, confused, and say, ? I just did ask. What' s the answer?? I then
apologize for the lame consumer reporter humor and explain that I mean they should ask their creditors for three things that can almost instantly improve their credit score.

First of all, check your current credit score, which you' re trying to increase. The credit score that matters most is still the FICO score, and you can get it straight from the source.

Once you know your score, here are the three asks that can improve it:

1. Ask for a higher credit limit.
One of the key factors in your credit score is your credit utilization ratio, or how much credit you use compared with how much you have available to you.
If you have one credit card with a $10,000 limit and $1,000 of debt on that card, your credit utilization ratio is 10 percent. You want that ratio to be as low as possible. The best way to change the ratio is to pay off debt
? the top number in the ratio ? but if you' re not in a position to do that, why not attack the bottom number instead? You can do that by simply asking your creditors to raise your credit limit on credit cards or other loans.
I have found over the years that they often say yes to keep your business. Important caveat: Once you have this additional credit, do not use it. That would only ruin the new, lower ratio you
just obtained.

2. Ask for positive reports.
Your credit score, from 300 to 850, is calculated based on information in your credit reports. Your credit reports are like biographies of your handling of all your credit accounts over time.
But just like any other history, they could be missing some details of what really happened. And if those details are flattering to you ? like timely payments or payoffs ? the oversight could be
hurting your credit score. Also, creditors could have information that they did not report to all three of the major credit bureaus: Equifax, Experian and TransUnion. So go to annualcreditreport. com, the
free credit report website set up by the federal government, and get your reports. Then go through each and compare them against one another to see if there' s positive information missing. If there is,
contact the creditors involved and politely ask them to report this good news about you.

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