CREDIT

WHAT IS
CREDIT

Your financial health revolves around your credit score, making it imperative that the information your credit report contains is as accurate and up-to-date as possible. Work with our credit experts and proven system to eliminate any inaccurate, obsolete or erroneous accounts. We’ll teach you the exact information you need to provide to the Credit Bureau’s to use the Fair Credit Reporting Act to your advantage and dispute the mistaken negative ratings that may be preventing you from obtaining new credit when you need it most. Lower your interest rates, avoid high late fees, save money and advance your credit opportunities.

Credit is when you borrow money against your own name in order to make payments on an item of high price or value. The highest forms of borrowing are often vehicles and homes, though jewelry, electronics, recreational vehicles and many other items are available on credit, even furnishings and home goods can be bought on credit.

The positive of credit is the ability to finance something you can not immediately afford and the option to build a solid credit rating, or name, for yourself for future borrowing power for the larger items like a house, which for 98% of people requires a loan. This borrowing power can also be extremely useful in the time of emergency when funds are low due to job loss, medical problems, injury, catastrophe or a death of an income earner. Borrowing allows people to get through these tough times without sacrificing their quality of life.

The negative aspect of credit is that it has allowed people to live outside their means and every day millions of people find themselves further in debt. While, this funds credit card companies, it can bring great hardship to those experiencing high levels of debt. Credit, when used wisely, can offer opportunities where there are none and help you find a greater level of borrowing in the future and help during a present situation, but when used unwisely can push you into a worse financial situation and negatively affect your future borrowing power.

Credit Repair

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Business Credit

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Lines Of Credit

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Credit Agency

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Credit Affiliate

It’s important to protect the items that share your identity. This includes you social security card, your state identification, your work identification, your car registration and insurance cards, your birth certificate, stocks, bonds, investments, banking information, credit information, vital records and anything else that can be used to gain more information about you to use against you. 

Loans

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CAN I TRUST CREDIT REPAIR COMPANIES ?

Just as with any industry, there are credit repair companies you can trust, and credit repair companies that you cannot. You wouldn’t choose an attorney or doctor based on price alone, and you shouldn’t choose a credit repair firm that way either. Some credit repair companies engage in fraud and questionable activites, but others do not and they use the dispute process to create excellent results. They have helped thousands who have questionable credit remove or correct negative items.

The Credit Repair Process

Wondering how we do it?  Credit repair doesn’t have to be a mystery.  We will assist you in removing any incorrect credit report information, as well reported fraudulent credit activity. 

Our credit education services can assist you in challenging the credit bureaus to remove inaccurate, obsolete and erroneous items from your credit report. Restore your score and maximize your financial opportunities!

 

How Do We Help

Our team helps clients take on their credit by disputing the inaccurate, unseasonable, deceptive, biased, incomplete or subjective negative items from their credit reports. We will take advantages of services designed to modify, monitor and protect your credit rating.

Once we receive your credit reports, we will analyze them and add the negative items they contain to our system to keep track of how severely they are affecting your credit rating. Ask us how to fix we can meet your American credit repair needs.

How Long Does Credit Repair Take

It is wrong for  any other credit repair firm to promise a particular result or a certain time frame. We can no more do that than we could promise a client that he or she would prevail in a court of law.

We can, however, give you an idea as to how our clients have performed in the past. As is true in all legal matters, no two cases are the same and your experience may differ. Its never a matter of if its a matter of when it will get deleted.

Net worth

You hear about Net Worth all of the time, but do you know yours? Our Net Worth system makes it easy to track to your assets and liabilities, calculating your current Net Worth.  Tracking your Net Worth is a great way to start increasing your Net Worth, allowing you to discover what liabilities you need to eliminate and finding ways to add value to your assets!

Debt Payoff system

Our Debt Payoff system is a clear guide on how to more efficiently pay down your debt. Taking into account your debt obligations and interest, this system will show you exactly how to properly allocate your money towards your monthly payments using nothing more than your current income, in order to speed up your debt payoff. 

Financial Lockbox

 In most families, one person is generally designated to handle the financial aspects of the household. Or, if you’re single, you may be the only person who knows the type and location of your financial accounts.  What if you or your  loved ones suddenly found themselves in the position of taking over your finances without warning? Would they be able to locate insurance, bank and financial records in the event of an emergency? My Financial Lockbox  enables you to store financial plan with power of attorney access by you or loved ones that you select and authorize.

OUR RESOURCES

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CREDIT  SCORE BREAKDOWN

This number is broken into 5 categories:

  • History of paying back debts on time. (Accounts for approx. 35% of the score – 297.5 pts.)
    • Primary trade line accounts including credit cards, retail store accounts, installment loans, finance company accounts, mortgage loans, etc.;
    • Whether your late payments are 30, 60 or 90 days overdue.
    • The amount owed during delinquency time and if account still has an outstanding balance;
    • Collection items and public records, including judgments, bankruptcies, suits, liens and wage attachments. This can highly affect your rating even though older items will affect the score less than the most recent ones;
    • Number of negative items compared to total amount of available credit. For example, 5 accounts with 3 late payments are worse than 10 accounts with 4 late payments. Accounts with no late payments will increase your rating substantially.
  • Amounts owed (Accounts for approx. 30% of the score – 255 pts.) If you have a $10,000 limit on your card. Once you go over 30% or $3,333 for your balance – it will begin to negatively effect your score. Keep balances below 30%. Keep long standing accounts open. Closing accounts does not help and may actually negatively effect you.
  • Length of Credit History (Accounts for approx. 15% of the score – 127.5 pts.) The longer the credit history, the better your credit score is.
  • New Credit (Accounts for approx. 10% of score – 85 pts.) Applying for too much new credit can inadvertently drop your credit score. How many new establishing accounts you have, how long since you last opened an account and how many recent credit inquiries made by credit reporting agencies are all evaluated and considered.
  • Types of Credit in use (Accounts fro approx. 10% of score – 85 pts.) Reviews the mix of mortgages, credit cards, installment loans, retail accounts and finance company accounts.

Monthly Newsletters

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BE YOUR OWN BANK

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