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Gold: Lender's Report, Lender's Scores, Analysis
& Steps to Score Improvement

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My Credit Plan Blog

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Latest News and Updates

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Going from a 603 to a 815 credit score! Kevin had a low Classic FICO® credit score of 603. He didn't know where to go or what to do. He heard of My Credit Plan and decided to give it a try. He followed its counsel not knowing what to expect. His results left him stunned when he saw his 815 FICO Credit Score, 212 points higher! "All I did was follow what it (My Credit Plan) told me to do!"

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There are a few credit scores improvement programs available to consumers. Which program is better for you? Which credit score improvement program offers superior results. At the midyear of 2020, My Credit Plan exceeds other programs such as Experian's Boost. Let's take a look.

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David increased his FICO score 85 points in just 23 days while refinancing his mortgage. This increase saved him $2,909 on his refinance. How did he do it?

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2020 has seen strong results for new clients of My Credit Plan (MCP). Average score improvement for those enrolled during the first quarter of 2020 (from January 1 to March 31) is 29 FICO® points higher. This continues to lead Experian’s Boost® (12 points average increase) and Creditxpert® (27 points point increase). 

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Credit score requirements for mortgages, auto loans, credit cards and other loans are all going up. For those who have excellent FICO scores, there is not a lot to be concerned about. For those with less than excellent FICO scores, the financial impact is even more astonishing. What credit score improvement program gets superior results? Let’s go through them.

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During the Financial Crisis of 2008 and beyond, many homeowners found themselves upside down in their primary residence: they owed more on their mortgage than the value of their home. Lenders came up with a possible solution to offer consumers a loan modification. How did a modification impact their FICO® scores and their finances? There is something critically important to know before anyone goes down this path of skipping mortgage payments.

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Interest rates have dropped further over the last few weeks to all-time lows to the surprise of many. As a result, home purchasing power for many prospective home buyers has increased substantially since the beginning of 2020. This is one positive from the market chaos created from the coronavirus.

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My Credit Plan has released its 2019 results – and it shows phenomenal success. The average Classic FICO® score increased 53 points for those who enrolled into My Credit Plan during 2019 – which means an improvement between 2 to 3 grades better in mortgage and auto loan terms. That is a lot of money saved by lower interest rates and fees.

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Experian™ claims it is offering consumers an opportunity to raise their credit scores. Is it real? Is it true? Experian unfortunately provides an incomplete picture of its Boost program.

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Brian increased his FICO® credit score an amazing 111 points in just three months. He is now a homeowner as he gives credit to My Credit Plan and what it did to help him. My Credit Plan has lots of amazing stories with great results. Brian is one of them. To improve your FICO Scores, go to www.MyCreditPlan.org/Signup