Credit Score Management

I know that credit score isn’t necessarily based on income but here’s my situation. I have about 16,000 in revolving debt with a 600 credit score. My yearly income has recently increased 10 fold which obviously improves my debt to income ratio. How long after this increase should I see improvements in my credit score and by how much. Also what triggers the credit bureaus that this increase in income has occurred?

A excellent credit report is very vital for living a comfortable life of financial freedom but it’s hard to recover fom a terrible credit report once you’ve made a few mistakes. Credit repair companies can be helpful, especially if you allow some time for your file to be worked on before you need it completely done.

I have heard from several people, who check credit scores online, that by checking your credit score online it will lower your actual credit score. Is this right or fake? If it is right, why would that lower your credit score?

How can a Commerce student start with Credit Repair Business?

My company is closing here in California next May and I will be relocating to Austin in either mid-Aprl or May 1st of next year. I have been with my company for 23 years and am looking for a 4-6 month rental until I buy a home. My current credit score is honest-excellent due in part to a divorce a couple of years back. As I have never rented an apartment before, always a home, I am not familiar with the credit requirements, I have heard they are very stringent. If I would not qualify, any advice you might have to offer would be greatly appreciated.