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steve, how can i boost my credit score like a free credit re-score now hat my tax problems are history and nothing past due as am

by scottcolglazier from Blaine, Washington. Mar 27th 2021 Reply

Bert Carpenter (BertCarpenter)
#1 ranked lender in Arizona - 2,431 contributions

First of all, re-scores are not free. Secondly, If the tax item was a tax lien, once the IRS has received payment, they will prepare lien release. The last IRS lien I was involved with was in March of 2020 and due to COVID, it took the IRS almost 4 months to issue the lien release. Until that happens, it's going to be difficult to have it stop penalizing your score. If you would like additional information, or help with your new loan, reach out. ~ Bert Carpenter, The LoansA2z Team of NEXA Mortgage ~ NMLS 40586 ~ Licensed in AZ, CA, GA, IL, OR & WA... In fact, NEXA is licensed in all states except MA and NY and we are pending approval in VA, so give us a call. ~ 480-889-9000.

Mar 27th 2021
Joe Metzler (JoeMetzler)
#1 ranked lender in Minnesota - 4,824 contributions

Been in this business 30-years. never heard of a free credit re-score. Next, bringing something current, or paying it off doesn't make the old history go away. It still happened.

Mar 29th 2021
Sara Deere (Mortgagequeen2)
#16 ranked lender in Missouri - 608 contributions

You can go to a bank and apply for a secured credit card. The banks report the payments to each of the credit bureau's.

Mar 29th 2021
David R Youngs - Branch Manager & Mortgage Advisor (DavidRYoungs)
#64 ranked lender in Minnesota - 87 contributions

In addition to the comments here - another option you may have if needed, is to choose to "self-report" expenses such as utilities, your cell phone, car insurance, etc. There is even an option to add your Netflix bill in some cases now to show on-time payments. Since on-time payments make up about 35% of your credit score, this might be something worth exploring. (Note that it takes 30-60 days for credit bureaus to update data). For more specific advice on what you could do though, I might suggest a conversation with a reputable credit repair company. They could provide a FREE analysis and then make suggestions on what to do, how to do it and perhaps even help you boost your credit scores quickly over 90-180 days if you were willing to hire them to help. Let me know if you would like a referral to a company or two that clients have mine have used in the past OK? My email address is and phone is 651-636-2840 Ext 12. Thanks!

Mar 31st 2021
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