Credit: How To Obtain, Increase And Preserve Your Credit (2024)

Credit: How to Obtain, Increase and Preserve Your Credit

What can you do when you have bad credit, limited credit - or no what credit at all? In "How To Obtain, Increase and Preserve Your Credit," Russ Whitney teaches you numerous proven techniques on how to repair - or even strengthen - your credit report. Teaching students to be credit-wise is just one of many wealth intelligent training programs offered by the Whitney Education Group. Knowledge is the backbone to success in cash flow real estate - and learn-ing how to clean up bad credit is an important first step.

For Windows (32-bit Systems) / Mac (Power Macintosh: OS 9 or Below) [*Please review compatibility/platform sections in 'What You Get']

WHAT YOU GET:

This item is for the original media, and includes only the media (ie. CD, floppy ...) UNLESS specifically stated above and/or in the title. If more than just the media is included, it will state which items are (ie. box, manual, etc ). Items that come in a sleeve refer to a generic CD sleeve (typically white) and will be sent with shipping protection to avoid damage during transit. If available, we will also send the front and/or back CD inserts if in stock. If these are important to you, please message us to verify we have them available to send. Please do not assume items are included other than what's stated. Again, ask questions

PRIOR

to purchasing if you have any concerns.

IMAGES:

All images/pictures are stock photos and are for reference only, mainly to show the type of game you will be getting. Please read "WHAT YOU GET" for what is included with the media. Screenshots may vary based on your own computer system, video card, monitor, etc.

COMPATIBILITY:

Computers are like people, each one is different. Unlike console games, a computer game may install and work flawlessly on one system but may need adjustments on another. This is due to a variety of factors, mainly the OS platform running, video card you have, drivers, protection software installed, etc. Many times manufacturers release updates to games to fix bugs and add enhancements. We would be happy to help get the game going on your computer, but ultimately compatibility issues are the responsibility of the buyer. We suggest going to Google and searching for the name of the game along with the words "system requirements" to determine if your system is suitable. Ultimately, we are not responsible for software compatibility problems or publisher's errors.

PLATFORM:

Stated within the auction is what platform the game will work on (ie. Windows, Mac, Linux...) This is a generic statement and specific platform versions (ie. XP, Vista...) will have to be researched by the buyer. Games that came out

PRIOR

to XP or higher will not specifically state they will work on that release, but only because they came out before those versions were made. Many, if not most, will work on XP or higher with a few quick adjustments. We provide instructions with all items purchased on how to do this adjustment using the Program Compatibility Wizard. If we find out that an item will definately not work on a specific version, we will state it. For DOS games, you may need to play it with a free DOSbox program if the Program Compatibility Wizard does not work.

64-Bit Windows OS Systems:
For 64-bit Operating Systems, older games most likely will NOT work due to 64-bit systems not being able to run 16-bit programming code (most games prior to 2000). For DOS games, you may need to play it with a free DOSbox program.

Macintosh Systems:
For Macintosh programs, most older games will need to be run in Classic Environment if you have a MAC OS X 10.0 - 10.4 version. Please research Google on how to do this, or send us a message for information prior to purchasing. If your MAC OS system doesn't support Classic Environment (ie. MAC OS X 10.5 or Higher OR Intel Macs), you will have to try running it using the free program called SheepShaver, but compatibility is not ensured. Please research prior to purchasing or ask questions.

MEDIA FORMAT:

Please verify you have the required hardware in order to use the specified media (ie. CD, DVD, floppy drives, etc.) If the item comes as a floppy disc, make sure you have either the needed 3.5" floppy drive or the bigger and older 5.25" floppy drive.

RECOMMENDATIONS FOR A SMOOTH PURCHASE:

  • Ask questions PRIOR to purchasing an order to avoid any confusion.
  • Be patient if there are problems during installation or gameplay. Typically someone else has already ran into that problem and has listed a solution online. Contact us and we will do our best to help.
  • Be sure to update your video card drivers and search for updates to the game from the manufacturer.
  • SHIPPING:

    We typically ship all items out within 1-2 business days after payment is received. In regards to the stated shipping and handling, remember that these costs include more than just postage.

    International buyers please email/chat with us to determine if you are eligible for shipping of a specific product. If you are, then international buyers not shipping to an address within the U.S. can expect their orders to take anywhere from 5 days to 4 weeks to be received, depending on how fast/well USPS is moving. Additionally, international orders typically have to go through governmental customs, which can delay the arrival process. Import duties, taxes, and charges are not included in the item price or shipping cost. These charges are the buyer's responsibility. Please check with your country's customs office to determine what these additional costs will be prior to buying. Customs fees are normally charged by the shipping company or collected when you pick the item up. These fees are not additional shipping charges.

    Credit: How To Obtain, Increase And Preserve Your Credit (2024)

    FAQs

    Credit: How To Obtain, Increase And Preserve Your Credit? ›

    You make one payment 15 days before your statement is due and another payment three days before the due date. By doing this, you can lower your overall credit utilization ratio, which can raise your credit score. Keeping a good credit score is important if you want to apply for new credit cards.

    How can I preserve my credit score? ›

    Here are some ways to help you stay in good standing:
    1. Review credit reports. Everyone is entitled to a free credit report from each of the credit bureaus every year. ...
    2. Use multi-factor authorization. ...
    3. Keep your physical credit card safe and up to date. ...
    4. Set strong passwords. ...
    5. Enroll in a credit monitoring service.

    How can I increase my credit score continuously? ›

    6 easy tips to help raise your credit score
    1. Make your payments on time. ...
    2. Set up autopay or calendar reminders. ...
    3. Don't open too many accounts at once. ...
    4. Get credit for paying monthly utility and cell phone bills on time. ...
    5. Request a credit report and dispute any credit report errors. ...
    6. Pay attention to your credit utilization rate.

    How to get a 700 credit score in 30 days? ›

    15 steps to improve your credit scores
    1. Dispute items on your credit report. ...
    2. Make all payments on time. ...
    3. Avoid unnecessary credit inquiries. ...
    4. Apply for a new credit card. ...
    5. Increase your credit card limit. ...
    6. Pay down your credit card balances. ...
    7. Consolidate credit card debt with a term loan. ...
    8. Become an authorized user.
    Jan 18, 2024

    What is the 15-3 rule? ›

    You make one payment 15 days before your statement is due and another payment three days before the due date. By doing this, you can lower your overall credit utilization ratio, which can raise your credit score. Keeping a good credit score is important if you want to apply for new credit cards.

    Is a 900 credit score possible? ›

    Highlights: While older models of credit scores used to go as high as 900, you can no longer achieve a 900 credit score. The highest score you can receive today is 850. Anything above 800 is considered an excellent credit score.

    How to get 800 credit score? ›

    Making on-time payments to creditors, keeping your credit utilization low, having a long credit history, maintaining a good mix of credit types, and occasionally applying for new credit lines are the factors that can get you into the 800 credit score club.

    Is there a downside to increasing credit limit? ›

    The number one downside of increasing your credit card limit is that you could start to spend more – due to the available credit – and therefore your credit card balance could increase. You owe more! That could mean you get into more debt, if you don't manage it, which could have a negative impact on your credit score.

    What is a good credit limit? ›

    If you're just starting out, a good credit limit for your first card might be around $1,000. If you have built up a solid credit history, a steady income and a good credit score, your credit limit may increase to $5,000 or $10,000 or more — plenty of credit to ensure you can purchase big ticket items.

    Should you pay off a credit card in full? ›

    Generally, it's best to pay off your credit card balance before its due date to avoid interest charges that get tacked onto the balance month to month.

    Is 650 a good credit score? ›

    As someone with a 650 credit score, you are firmly in the “fair” territory of credit. You can usually qualify for financial products like a mortgage or car loan, but you will likely pay higher interest rates than someone with a better credit score. The "good" credit range starts at 690.

    What credit score is needed to buy a house? ›

    The minimum credit score needed for most mortgages is typically around 620. However, government-backed mortgages like Federal Housing Administration (FHA) loans typically have lower credit requirements than conventional fixed-rate loans and adjustable-rate mortgages (ARMs).

    What credit score is needed to buy a car? ›

    The credit score required and other eligibility factors for buying a car vary by lender and loan terms. Still, you typically need a good credit score of 661 or higher to qualify for an auto loan. About 69% of retail vehicle financing is for borrowers with credit scores of 661 or higher, according to Experian.

    Does making two payments a month help credit score? ›

    That said, making two payments per month actually can help your score—but for a different reason. This strategy makes your credit utilization ratio appear lower, which can boost your credit score in the long run.

    What is the credit card double payment trick? ›

    The 15/3 credit hack gets its name from the practice of making your monthly payment in two installments: the first half 15 days before your due date and the second half three days before your due date. This hack, popular on various social media platforms, claims to be a shortcut to good credit.

    How can I avoid ruining my credit score? ›

    6 Tips to Avoid Ruining Your Credit Score
    1. Pay your bills (on time) ...
    2. Avoid maxing out your card. ...
    3. Don't load up on cards. ...
    4. Make medical payments on time. ...
    5. Avoid the dangers of co-signing. ...
    6. Apply for credit with long-term in mind.

    How do I freeze my credit on all three bureaus? ›

    How to freeze your credit with all 3 bureaus
    1. Equifax: Call 800-349-9960 or go online. Check out our step-by-step Equifax credit freeze guide.
    2. Experian: Go online to initiate, or for information call 888‑397‑3742. ...
    3. TransUnion: Call 888-909-8872 or go online.
    Mar 26, 2024

    How can I maintain my credit score without debt? ›

    Getting a credit card—and using it responsibly—can be a great way to boost your credit without actually going into debt. It might seem like a contradiction, but remember that a credit card doesn't automatically mean debt. If you pay your balance off each month, you're never in debt.

    How to raise your credit score 200 points in 30 days? ›

    How to Raise your Credit Score by 200 Points in 30 Days?
    1. Be a Responsible Payer. ...
    2. Limit your Loan and Credit Card Applications. ...
    3. Lower your Credit Utilisation Rate. ...
    4. Raise Dispute for Inaccuracies in your Credit Report. ...
    5. Do not Close Old Accounts.
    Aug 1, 2022

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