Increase Credit Score Owed to You | Increase Credit Score Secrets

3 Feb

Increase Credit Score now

Posted by Dan O Spark

So many people are struggling to look for funds to help them build credit and increase credit score. Here is a little known secret that most people neglect to pay attention to. There are literally billions of dollars that are just sitting there at different government agencies that belong legally to law obeying citizens that are waiting to be claimed for.

These funds are exactly what can help you fix bad credit that will put you back on track. In addition there are many websites on the web that promote their ability to find the money that belongs to you. Turns out, that you do not have to get any dedicated service to do it for you, you can most likely do it yourself following several basic steps.

Fixing credit starts with rebuilding you credit history by using the available resources you have that belongs to you to pay your debt. Think about it, using your own money you did not know it existed to fix credit and raise credit score-it’s as sweet as it sounds.

First of all it is important for you to realize that there are many ways you could be entitled to money that is yours, but you either do not know about it or forgot they even exist. The following list will help jug your memory a bit:

~ Travelers Checks that are sitting somewhere unused

~ Court deposits and payments you can claim back

~ Life Insurance proceeds from different policies.

~ Utility deposits and store refunds you never claimed back.

~ Credit balances from different accounts you no longer use.

~ Un-cashed payroll checks and/or cashier checks

~ Un-claimed dividends from different stocks you own/owned

~ Wages that were never distributed.

~ Money left in checking or saving accounts.

~ Money or money certificates left in safe deposit boxes

~ Royalty payments that are owed to you

~ Gift certificates you received and never used

~ Bonds, Mutual funds and stock certificates.

When you see the list above it is easier to understand why almost everyone has some unclaimed money somewhere, but let’s go over some very common reasons for those amounts to be there: Your job status was changed because you were laid off, retired or changed your job. You relocated and moved to a new address. This is the number one reason people did not get their utility deposits or money left in the bank account, even though you may have left a forwarding address. You fight with the increasing number of junk mail envelopes you receive and you disposed of envelopes that may include checks for you.

~ A relative of yours died and in the estate settlement you are entitled to receive funds.

~ You have one or more checks that you did not cash and are more than three years old.

~ You discontinued an insurance policy by stopping making payments on it.

Each state has setup an online site that allows its residents to search for unclaimed money that they should have received. One or more places you can go to look if you have such moneys coming to you.

Select the proper link of the state you want to search and the link will be opened to you :

Alabama
Unclaimed Property Information
Online Property Search

Alaska
Unclaimed Property Information
Online Property Search

Arizona
Unclaimed Property Information and Search

Arkansas
Information and Online Property Search

California
Unclaimed Property Information
Online Property Search

Colorado
Unclaimed Property Information
Online Property Search

Connecticut
State Treasurers Office

Delaware
State Unclaimed Property Database

Florida
Unclaimed Property Information
Online Property Search

Georgia
Unclaimed Property Information
Online Property Search

Hawaii

Unclaimed Property Information and Search