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If your credit score is below 600, you are in serious need of repairing some damage. If there are any errors in your credit report, the first thing you need to do is dispute the errors.

Send a money order instead of a check (which had your account number) or your credit card information. If you do use a credit card, report any unusual charges or any payments you made for a product that did not arrive, to the credit card company.

Obviously the most important thing you can do is make your payments on time. Do everything you can to meet your financial obligations. If you are going to be late and you know before hand, call the lender and ask if you can change the due date.

Each bureau uses a modified version of the Fair Isaacs scoring method. Equifax has the BEACON system, Experian has the Experian/Fair Isaac Risk System, and TransUnion has the classic FICO Risk Score system. It is important to know that each bureau uses a slightly different scoring method because scores will be different.

First Phone Contact with the Buyer

Within days you get an offer for your full premium asking price of $200,000 from Bob and Becky Buyer.