845.514.2736 info@reclaim-yourcredit.com

Financial Security Starts with Good Credit

Together, We Can Raise Your Credit Score

I’m On A Mission

I got to see first-hand all the negative things that can happen when your credit goes south. My poor credit score cut off my access to money when I needed it most. It was frustrating, and downright scary. I was determined to use my insider knowledge as a finance expert to fix my credit. And I was equally determined to help as many people as possible who were trying to reclaim their own good credit.

Start today by downloading your free guide!

We want to make sure these articles are free for everyone, without any subscription fees, so we earn a commission whenever a reader clicks to a product or service featured in an article. Rest assured each and every program has been intensely researched. And we have personally used almost all of these products and services.

Phyllis Brown

Founder, Reclaim! Your Good Credit™
Raised credit score from 543 to 815

Boost Credit Score 200+ Points

Download Free Guide With Credit
Bureau Insider Hacks

Credit Bureau Secret Formula Revealed

Payment history – 35%

Tracks number of on-time and late payments, and any accounts sent to collections

Credit card use – 30%

Tracks outstanding charges as a percentage of open credit limit

Average age of accounts – 15%

Reports on how long you’ve been managing different types of credit vehicles

Credit bureaus don’t use a complex algorithm to calculate your credit score. They use a simple formula with these three major components (and a few minor pieces).

Now that you know the credit bureau formula – let’s see what you can do to improve your score.

First, send at least the minimum payment on-time each month. And work with a credit repair service to remove any derogatory marks from your credit bureau file. Second, make sure your credit card charges stay under 29% of your credit limit. And third, use a variety of credit vehicles like credit cards, installment loans and personal loans. Don’t close any accounts, especially credit card accounts, even if you haven’t used the card in awhile.

Credit Bureau Insider Hack

Here’s a quick trick with a big impact.

Subscribe to one of the free credit monitoring services. Check to see when your credit cards are reported to the credit bureaus each month. Pay your bill close to the statement due date, and wait to use the card until after the credit bureau date. Normally, one or two days after statement due date. Your credit card use percentage will do down.

Your score will go up right away!

You’re Not Alone

“My credit tanked when I closed my business and filed for divorce all in the same year. One of those times you wish you could forget. I kept following the pointers I got from Reclaim! Your Good Credit. It was an amazing day when my score passed 800. Their little hacks might look simple, but it really works.”

Max B., restaurant owner in upstate New York

Raised credit score from 485 to 803

“When I moved from California to New York I used credit cards to pay for all kinds of things. A lot of stuff I wasn’t expecting and it added up. The credit card companies dropped my card limit to what I’d already spent so overnight I was 100% maxed out. My score went into free fall. It didn’t matter that I never missed a payment. These guys helped me get it under control again.”

Andrea M., marketing manager in New York City

Raised credit score from 580 to 765

“I found out my credit looked bad when we wanted to move and tried to get a mortgage. I never knew that an old bill I thought was paid got sent to a collections. It was embarrassing to face my wife and the realtor. It took a year but we got it straighted out and got a good interest on the mortgage with a better credit score.”

Dave N., cell tower installer in Georgia

Raised credit score from 625 to 780

“Reclaim is the best. I thought I was stuck with bad credit. I didn’t want to look at it so it was never gonna get fixed. They gave me good advise and moral support. Totally turned around. I never dreamed my score could go so high.”

Mardi M., retail store manager in Boston

Raised credit score from 510 to 760

“I didn’t realize how bad my credit would get with too much credit card charges. and how fast. The banks raised the interest rates and I felt like I was drowning and couldn’t ever catch up. I tried one of the consolidation loans they recommended. The loan got paid off much faster without the big interest payments. It’s such a relief to get 1 loan bill instead of 5 credit card bills.”

Brad R., computer technician in Denver

Raised credit score from 585 to 813

Information is Power!

You can boost your credit score by 200+ points within 6 months to a few years. This free step-by-step guide includes credit bureau insider hacks that move the needle in the first 30 days.

Download your free guide today!

You Make Your
Own Good Fortune!

According to an old Chinese proverb, “There are two best times to plant a tree. 2 years ago. And right now!”

Let’s start working together today to fix your credit score. We can move the needle several points within the next 30 days. And we can improve it from poor to fair, or all the way up to good or excellent, within 6 months to a few years.

We love hearing from our readers! Reach out with any questions. Or tell us what new topics you’d like to see next.

I Have A Question