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Bad Credit
No matter who you are, how much or how little money you make, or
what
you do, credit will be one of the most important
aspects of your financial life. Obtaining credit, and handling
credit
wisely once you have it, is one of the most important
lessons you will learn in life.
Unfortunately, how to manage your credit is usually a lesson
learned
through trial and error. If you have bad credit, fear
not. We can help you repair your bad credit and get on with your
life.
As you already know, it is not hard to damage your credit rating.
Many
things negatively impact your credit score, including
late payments, divorce, bankruptcy, etc. It can be hard to expunge
these negative events from your credit. That is where we
come in. We work with your creditors to reduce your debt and get
your
credit cleared. If you have bad credit, we can help
you improve it.
A good first step when dealing with bad credit is to get a copy of
your
credit report and see just where you stand. Examine
your credit report carefully, and report any errors or omissions
to the
credit-reporting agency immediately. It is not
unusual for a credit report to contain errors, so pulling a copy
of
your credit report and examining it carefully should
always be your first step toward repairing your bad credit.
If you have paid off all your debt and are just trying to clean up
bad
credit from past debts, you are already one step ahead.
However, most people with bad credit are likely to still be in
debt.
Paying off your existing debt, and making sure you do
not incur any new debt, is a vital first step toward cleaning up
your
bad credit and restoring your good credit rating.
Any time you deal with bad credit, it is a good idea to sit down
and
make a list of everything you owe and to whom you owe it.
This can be a painful thing to do, but it is necessary to getting
a
handle on your debt and improving your credit in the
future.
Once you know how much you owe, its time to come up with a plan to
eliminate your debt and get rid of your bad credit. That
is where we come in. Give us a call or drop us a line. We will sit
with you and discuss the best way to eliminate your debt
and clear your credit.
The benefit of our organization is our good reputation and
standing
with creditors. When we contact your creditors on your
behalf, they know we are trustworthy and honest. We have dealt
with
credit card companies, banks, mortgage companies and car
dealers for years. We speak their language, and we know what it
takes
to clean up your bad credit.
If you have bad credit, it is important to repair it as quickly as
possible. A bad credit rating is something that will
follow you around throughout your life. The bad credit you think
does
not matter so much will matter a great deal the next
time your need to purchase a car, rent an apartment, buy a house,
or
even apply for a job. It is important to deal with your
bad credit aggressively so you can get on with your life.
We know you have more important things to do that deal with your
bad
credit. That’s why we strive to make the process as easy,
painless and straightforward as possible. We don’t speak in
financial
jargon, we speak in plain English and we will tell you
up front what we can do to clean up your bad credit.
Once you have your bad credit cleaned up, we can provide you with
tips
and tricks to make sure you stay debt free and enjoy
the good credit rating you have worked so hard for. Call us today
to
discuss your bad credit and how we can restore your
good credit.
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Budgeting Advice
It seems like everyone is wiling to provide you with budgeting
advice.
Everyone from dear old dad to old Uncle Morty has
something to say about how you spend your money. You may think you
know
where your money is coming from and where it is going,
but if you do not have a written, monthly budget you cannot know
for
sure.
I’ve always told people that the most important budget advice I
ever
received was the recommendation to do a budget in the
first place. You should be surprised at the number of people with
kids,
mortgages and minivans who have never taken the time
to work up a family budget. Both parents may be working 50 and 60
hour
weeks, but at the end of the month they are struggling
to make ends meet as if they were newlyweds just starting out.
If you don’t keep careful track of where you money is going, you
will
never be able to stem the tide of red ink. It’s that
simple. Before you can get control of your finances, you need to
know
where the money is going. Everyone has months where
more money goes out than comes in, but if you are running a
deficit
month after month, you need to get control of the
spending. Unlike the government, you don’t have a printing press
in the
basement where you can just crank out more cash
whenever you need it. If you do have a printing press in your
basement,
we need to talk, but that’s another story for another
day.
Starting a budget can be a time consuming and painful process, but
it
is absolutely vital to your financial well being. Sit
down and write out a detailed list of all your sources of income,
including your salary and that of your spouse, any interest
or dividends you earn on your investments and bank accounts, etc.
Next
write out a list of every recurring monthly bill
– power, water, telephone, cellular, internet access, cable
television,
etc. Then go through your checkbook and list all the
checks you wrote the last month and what they were for. If you
charge a
lot of items and then pay the bill at the end of the
month, keep the credit card statement and write out each item on
the
bill, not just the total. It is vital to have a list of
every expense you incur so you can see what can be trimmed.
Do this for at least a couple of months until you get a good idea
of
your spending patterns. You probably already have a good
idea what your monthly living expenses are, but you may be
surprised at
how much is sneaking out the door on things that seem
frivolous after some time has passed. For instance, did you really
need
to order pizza and Chinese takeout 10 times last
month? Could you have cooked a few times and saved the cash? It is
these type of things you need to track in order to work up
a realistic budget.
Too few people take the time to work up a budget and stick to it.
Once
you have a budget program in place, it will be much
easier to match your income to your outgo and to live within your
means. Who knows, after a few months of fiscal discpline,
you may even have some extra money to put toward your retirement
or
your child’s college tuition.
How to Raise your Credit Score
The value of diligently tracking your credit score is often
underestimated. Failure to know what is on your credit rating
can keep you from qualifying for loans and in far too many cases
will
cause you to pay higher interest rates.
The trick to raising your credit score is no secret, but it does
take
diligence and hard work.
First, check to see what is on your credit report. You can usually
obtain a copy of your credit report for free on a trial
basis from a number of agencies. Take caution, however, not to
overuse
these offers. Requesting too many credit reports can
actually have the opposite effect on your credit score. When
lenders
see a large number of credit report inquiries they
assume it is due to applying for loans and credit cards. This
translates to money problems and lowers your credit score.
At the most, you should only request your credit report one to two
times per year. That should be sufficient for you to stay
on top of your credit score.
Make sure you obtain a three-in-one report. There are several
credit
reporting bureaus and each one calculates your credit
score in a slightly different manner. It is in your best interest
to
find out what is being reported by each agency.
If you do have a bad credit score, some of the items that
contributed
to your rating will take time to clean up, but the good
news is that some can be cleaned up in just a matter of days.
Save yourself some money and time and steer away from offers from
companies who claim they can fix your credit score for you.
In most cases, these companies charge a small fortune and do very
little. There is really no secret to fixing your credit.
You can do it yourself and save yourself their expensive fees.
When you receive your credit report, be sure to review it
carefully.
While most of the information your report will probably
be accurate, there may be some information that is completely in
error.
For example, you may notice that while you distinctly
remember paying off a bill in the past, it is now showing up as
delinquent on your credit report. In worst case scenarios,
you may realize you have been the victim of identity theft and
someone
else is having a good time at the expense of your
credit rating.
If you do see something on your credit report that looks
suspicious or
that you know is completely in error, write a letter.
Keep it brief, but state in clear terms what the situation
actually is.
If you paid off that bill, include copies of backup
documentation; such as cancelled checks or receipts. Mail the
letter
certified with a return receipt requested.
Be aware of what factors contribute to your credit score. Payment
history, account balances, age of established credit,
recent inquiries and opened accounts, credit mix are the five
major
factors that makeup your credit score.
Don’t succumb to offers for a certain percentage off a purchase if
you
open a charge account. That 10 or 15% you might save
on your purchase isn’t worth the negative impact on your credit
score.
If you have a lot of credit cards, don’t feel you need to get the
scissors and start cutting. Credit cards can work to your
advantage if used properly and responsibly. For the most part,
credit
score formulas look at the balances on your credit
cards; if you’ve maxed them out, etc. Closing out accounts won’t
necessarily improve your credit score. If you know you have
a problem with charging everything simply because it’s convenient,
lock
away all your credit cards except for an emergency
card. Then begin a diligent effort to begin paying down the
balances on
your credit cards. Experts recommend that at any
given time you should always have at least 25% of your remaining
credit
limit available and unused.
Additionally, don’t think that consolidating your credit card
balances
on one card will help your credit score. Extensive
moving around of money is a red flag to lenders and will usually
hurt
you more than help you.
If you do have an account that has a zero balance, don’t think it
will
raise your credit score to close out the account.
That zero balance account is actually helping your credit score.
Make sure you pay your bills on time, every time. Set up some kind
of
reminder system if it helps or even set up your bills
to be deducted straight from your account.
It may take awhile to raise a low credit score, but the effort is
well
worth the reward.
It's Never Too Late to Clean up Your Bad Credit
We understand it may not be your fault you’re living with bad
credit.
Sometimes circumstances arise within our lives that we
have no control over. Divorce, death, medical problems, loss of a
job;
there are innumerable circumstances that can
contribute to a bad credit situation. We also understand that even
when
you’ve made bad financial decisions in the past; it
isn’t fair to continue to punish you for them well into the
future.
Far too many people have circumstances occur in their lives that
forces
their credit into the negative. Unfortunately, they
continue to reap the consequences of those circumstances year
after
year. Once you have bad credit it can be extremely
difficult to clean up your credit report and once again establish
good
credit. Experts claim the easiest way to get rid of
bad credit is to take out a loan and make regular payments on it
in
order to establish good credit. We understand that theory
is much easier said than done. Most banks and lenders aren’t
willing to
take a risk on your bad credit in order to loan you
the money you need to establish good credit. It might seem either
way
you go, you lose.
That’s not the case with us. We’re here to help you, regardless of
your
credit situation. We have years of experience in
assisting individuals in similar situations. In fact, we
specialise in
helping consumers who have bad credit through no fault
of their own. Our goal is to help you recover from your bad credit
situation as quickly as possible, with as much dignity as
possible and move on to re-establishing your dreams.
We have provided a few easy to apply tips below to help you get
started
back on the road to establishing good credit.
You do not necessarily have to go out and obtain a loan in order
to
prove yourself worthy of good credit. Simply start paying
your bills on time. Set up a tickler system if the problem is
forgetting to drop the envelope in the mail. Sit down and
budget out your funds so you know when the payment has to be made
and
then make sure you put the payment in the mail at least
a week before it’s actually due. If there’s a holiday looming and
you’re concerned the mail might be a little slow, mail it
even sooner. Don’t let delayed mail be the cause of your
plummeting
credit score.
Don’t take advantage of a department store’s offer to save you 10%
or
15% off a purchase simply by applying for a charge card.
What normally happens in this kind of situation is that the store
will
run your credit record and when they do it will show
up as an inquiry on your record. Too many of those make for a bad
credit score. It’s far better to simply bypass the offer
and pay in cash or with another card if you absolutely must.
Don’t be tempted to move money around and consolidate your credit
cards. While the offers of lower interest rates can be very
appealing you should know that these offers are almost always
introductory offers only. After the introductory period has
passed you’ll be hit with a new interest rate and that APR might
even
be higher than the one on the previous card. Not to
mention that moving money around shows up on your credit report
and
does you no favors.
If you are carrying several credit cards with balances and are
wondering which ones you should start paying down, in regards
to a healthy credit score, it is best to begin paying on the cards
with
the higher balances. This is because one of the
factors taken into account on your credit score is the balances on
your
existing cards. Credit score formulas do not look
at the interest rates you are carrying, only at number of
accounts,
balances and frequency and timeliness of payments. If
you are carrying balances that amount to 75% or more of your
credit
limit, it is time to start paying them down. You should
try to maintain a 25% margin of credit available on all credit
cards at
all times.
Finally, don’t be tempted to start closing out accounts. Once they
are
activated they will be seen on your credit report
anyway and closing them out will only hurt you.
Keep in mind that it’s never too late to start trying to improve
your
bad credit score. We are here to help you along the
way and are always more than happy to answer any of your
questions.
By
removing negative items from your credit report you can dramatically improve
your credit standing. And that means a better quality of life.
Learn about your credit before making a big
purchase.
Know your credit score and what impacts it.
Check the status of a dispute request.
Having problems getting credit?
Regain financial control NOW!
Face it, bad credit can keep you from enjoying the life
that you deserve. Negative information on your credit report can keep you
from buying a house or car, obtaining a credit card or loan, and it may even
keep you from getting a job or insurance.
Tired of being denied for credit cards, house
loans, auto loans, or paying outrageous insurance and interest rates? With our
help you will discover how easy it is to repair your credit,
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