Some Financial Moves to Make Before New Year's Eve Make a Plan to Get Out of Debt You may not be able to get out of debt between now and the end of the holiday season but you can set yourself up now so you'll be debt-free very soon. Of course the first step is to watch your spending over the holidays. Don't overdo it. That only makes it harder to solve your debt situation. Create a system to eliminate debt by first consolidating and refinancing to the lowest possible interest rate. Once you do that, put all the muscle (and money) you can towards paying off the highest cost debt you have and make the minimum payments towards other credit card balances. As you pay off your most expensive debt continue to keep your debt payments as high as possible towards the next highest-cost debt. Repeat this process until you are debt-free. Believe me it won't take that long. But you won't ever be done if you don't start. Why not begin the process of lowering your cost of credit card debt today? ** (You can use this free calculator to see how long it will take to pay off your credit card debt. You can also check your credit scores for free to see how your debt is affecting your credit standing.) Knowledge is Power and Credit is King!

Make Sure Your Credit Reports Are Accurate It’s hard to see an F on your report card. It’s even worse to see an F when you know you really deserved an A. That’s exactly what it feels like to find out you have a bad credit score even though you’ve been paying your bills on time. Each of us has three credit reports — one from each of the three major credit bureaus: Experian, Equifax and TransUnion. Credit reports can and very often do have mistakes on them. A 2015 study from the Federal Trade Commission found that 1 in 5 consumers had an error on at least one of their credit reports, and a follow-up study in 2017 (by the Federal Trade Commission) found that those who reported an unresolved error on one of their reports believe that at least one piece of disputed information is still inaccurate. Since your credit scores are based on the data in your credit reports, it’s incredibly important to make sure all of that information is accurate. If you have a mistake on your credit report, your credit score will reflect that mistake. It’s easy to check your credit reports from each of the three major credit reporting agencies. You’re entitled to a free copy, once a year, of all three of your credit reports under the Fair Credit Reporting Act. These reports can be accessed via AnnualCreditReport.com, the government-mandated site run by the major bureaus. Once you have your credit reports in hand, here’s a quick checklist of questions to ask yourself to help you spot potential errors: Is all of your personal information accurate? (That can include your Social Security number, birth date, full name and address.) Are all of your credit accounts being reported? Are there any late or missed payments listed that you remember making on time? Are there any accounts or applications for credit you don’t recognize? Are there any items from decades ago still appearing on your report? It helps to go through your credit reports with a highlighter and pick out any and all inconsistencies. Keep in mind that a credit report from one bureau may have an error, while another may not. That’s why it’s so important to check all three of your credit reports for inaccuracies. You may find none, a few, or perhaps many errors on your reports. That’s where the next step to improving your credit comes in. Knowledge is Power and Credit is King! Call 18004421591 to start Gaining Financial Stability with Intelligence and Integrity! We are ONE of the best in the business!

This Tip Will Help You Get The Most From A Credit Card Most people agree that using a credit card to pay for day-to-day purchases is a smart idea. After all, credit is safe, convenient, and rewarding. Plus, if you're responsible, you'll also be building a solid credit score with every swipe. But are you really making the most of your plastic experience? Here is a credit card tip everyone should know: Shopping through rewards malls will earn you stellar rewards. If you're a big online shopper, you should definitely use your credit card's rewards mall every time you place an order. This is an easy and convenient way to earn tons of extra rewards on every dollar you spend. And don't assume that your particular issuer doesn't offer this benefit. Even if it's not widely advertised, look around a little the next time you visit your credit card's website. You'll probably find some type of rewards mall or portal that you never noticed before. Knowledge is Power and Credit is King!

What's Your Bottom Line.... Credit cards are tools that build your reputation as a financially responsible adult. With the right intentions and proper use, they can build and rebuild security. Used otherwise, they can spell financial trouble. Holding multiple lines of credit can be beneficial if you act proactively and ensure to pay off the balances on a monthly basis and do not max out the credit limit; staying at or below 30 percent has been shown to send the clearest message to lenders that you are financially responsible and accountable for your spending habits. However, multiple lines of credit may carry too high of a risk if they are used as “free cash” to finance items your bank account cannot handle, which can lead to large debt problems and a murky credit history. To avoid falling into the frequent trap of using plastic in a pinch, change your mindset to view credit cards as an extension of check and debit cards, and only spend what your bank account can handle. With proper control, holding credit can be an unparalleled financial benefit. As with any contract or financial decision, think before you sign. Understand what you are getting yourself into by opening additional lines of credit or holding lines of credit that are not helping to build your security. Don’t be caught unprepared. Take control of your financial health today.

Random Credit Tips... 1. Try working things out with your current credit card provider. Try to negotiate better terms. 2. Think before closing an old card. It lowers the amount of credit and kills your credit history. 3. Applying for multiple cards damages your score so pick one. You lose points with inquiries, 3 - 10 per inquiry. 4. Check your credit report so you know what you're eligible for and look past the introductory offer of anything you're applying for. Knowledge is Power and Credit is King! Start Gaining Financial Stability with Intelligence and Integrity! We are ONE of the best in the business!

We still have spots available for Our Credit Education Class held On October 13th @ 4 pm Class includes Budget planning and Proper Application preparing. $50 fee due at time of registration and $49.00 balance due day of class for more info please call 1.800.442.1591 *As a bonus for attending class will receive a gift as well as ALL attendees will be entered in drawing to WIN FREE Credit Restoration Services MUST have quote prior to class.

Our process is simple; 1. Sign up with www.creditchecktotal.com, it's $1 2. Call our office with your username and password, 1.800.442.1591 3. Get your Free Consultation 4. Pay your Application Fee 5. Start seeing results within 14 business days - Gaining Financial Stability with Intelligence and Integrity! We are One of the BEST in the business!

Types of Debt Generally speaking, having debt can make it very difficult for investors to make money. In some cases, investing while in debt is like trying to bail out a sinking ship with a coffee cup. In other words, if you have a debt on your line of credit at 7% interest, the money you are investing will have to make more than 7% to make it more profitable than simply paying down the debt. There are investments that deliver such high returns, but you have to be able to find them, knowing you are under the burden of debt. Knowledge is Power and Credit is King!

What is a Charge Off and How Do They Work? When you haven’t paid on an account for 6 months to a year, creditors will often mark the account as a “charge off”. This means that the creditor has determined they’ll likely be unable to collect on the debt so they are claiming it as a business loss. This is basically done for tax reasons. However, just because it’s marked as a loss doesn’t mean they will stop attempting to collect on the debt. In fact, they might even hire an outside company to handle the collection process. This is important to understand in case you’re contacted by a collection agency you don’t recognize. Either they purchased the debt from the original creditor and are attempting to collect on it, or they have been commissioned by the original creditor to collect the debt. Knowledge is Power and Credit is King!

Good Credit! Bad Credit! No Credit! However, if you are already planning to buy a car with cash through a dealership, you can go ahead and take out dealer financing to purchase the vehicle, and then pay the loan back in full after you've made just one monthly payment. This way, you'll pay minimal interest, but you'll establish a reportable history of responsibly using credit and making a payment on time. Some people have even gotten better deals on vehicles this way because the dealership makes so much of its money from financing auto loans. They might give you a lower total price if they think they'll be making interest off of you, so even though you'll have to pay a month's worth of interest under this plan, you'll probably come out ahead because of the lower price on the vehicle. Just make sure that you understand the loan terms and that there is no prepayment penalty before you sign next to the "X". While this tactic won't help you with the length-of-credit-history component of your credit score, it might give you the boost you need to get an unsecured credit card which you can then hang on to for years. Knowledge is Power and Credit is King!

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Make a Minimum of Regular Full Payments to all of your Accounts... Think of making payments as a way to check in with your credit company. Not only do credit cards come with set due dates that are highly encouraged — and often reinforced with late fees, but on-time payments display awareness on your part of deadlines, basic contractual agreements and following through on promises. Yet again, by repetitively doing the same thing over a length of time, you create a paper trail of habits that lenders, creditors and contractors love to see. Furthermore, even a single late payment can put a dent into your credit score. In order to avoid this damage, make a habit of paying at least the minimum amount every month. Knowledge is POWER and Credit is King!

One Card, Two Cards, Many Or Few Cards? Having more than one line of credit is definitely beneficial — if used correctly. However, multiplying your cards multiplies the responsibility. Holding multiple cards and paying on them regularly demonstrates the ability to manage multiple lines of credit without drowning in one debt by compensating through another. Having more than one card and handling each of them equally well can further bolster your image as a responsible adult. Above all, when someone accesses your credit report, they are looking to see if you can demonstrate responsibility. Demonstrate that you have the capability of managing debt without being controlled by it. Again, by properly handling multiple lines of credit at once, frequently keeping minimal balances and paying off monthly, more than one card can be advantageous to your credit score, and thus your relationship with creditors, lenders and contractors. Knowledge is Power and Credit is King!

How To Build Credit Using Credit Cards When used responsibly, however, credit cards are one of the easiest and most effective ways to build credit. Particularly in this day and age, having a robust credit history is a must. While some can do without, and some preach the credit card free life, extensive, healthy credit can expand the limits of your purchases and even employment options. Having credit is all but essential for making large purchases such as cars and homes. Furthermore, credit is also necessary for long-term contracts like renting or employment. Regarding employment, while it is advised against for employers to deny someone a position based solely on credit, it is not illegal. Knowledge is Power and Credit is King!

There are Several Ways You Could be Using your Credit Card Incorrectly... Credit cards are one of the most widely used — and abused — financial tools in the U.S. Among households with credit card debt, the average balance they’re carrying is more than $15,600, according to Nerdwallet, a figure that has barely budged since the recession. 5 credit score questions for every college kid USA TODAY Strategies For Debt Consolidation Loans Investopedia A Smart Approach to Student Credit Cards Investopedia Many Believe That Carrying a Balance Will Improve Their Credit Score Money Talks News Cut Credit Card Bills By Negotiating A Lower APR Investopedia The troubling part is that many Americans know very little about credit at all. A survey by the Consumer Federation of America found that 40% of Americans had no idea that their credit history played a role in determining whether they could qualify for new credit. And one in four consumers admitted they didn’t know how to effectively improve their credit scores. Millennials are so spooked by credit debt that a whopping 63% say they don’t carry a credit card at all, Bankrate found.

How and Where to Start When Building Your Credit Scores... When you are ready to start building credit, we suggest focusing your attention on ONE line of credit. Credit cards in particular are a good starting point. A credit card is self-managed, and only you can decide how much you are going to charge on it each month and how much you are going to pay on it each month. It is a strong and predictive indicator of your credit management abilities. An unsecured credit cards have spending limits determined by your credit history and income, it may be hard to acquire one at first. Secured credit cards [53rd has a credit builder program, we recommend you seeing Sierra Sparks, 2489360314] require a security deposit that becomes collateral as well as the credit limit for your card and may be an easier place to start. Every card issuer has different standards so research your options to find a card that has a lending profile that fits you best. Co-signed cards or loans can be another opportunity for credit beginners to start building a history, but they come with risk. Whatever happens with that card is going to affect both parties. * Just make sure every month you check, and make sure that the agreed payment was made or that the balance isn't getting out of control. ** If managed closely, co-signed credit can benefit everyone involved. Credit is King and Knowledge is Power! NO MORE EXCUSES...

Steps to Repair, Rebuild, and Protect Your Credit

Have you had one or more financial misfortunes over the past several years and now have a less than ideal credit score? If so, you’re certainly not alone. Credit scores have been one of the biggest victims of the financial crisis and the recession. Unfortunately, that number can determine not only whether you can get credit and what interest rates you’ll pay but they can also affect your insurance premiums and even your ability to get a job. Of course, you can’t build a positive credit history if you don’t have any credit. The problem is that it takes credit to get credit. A good place to begin would be to see if your bank will allow you to open a secured credit card. These cards require you to deposit an amount of money usually equal to the credit limit into a special savings account that the bank can collect any missed payments from. This helps to minimize the bank’s risk so it’s relatively easy to get but there’s a chance you may still need a co-signer to qualify. Knowledge is Power and Credit is King!

What is a Charge Off and How Do They Work? When you haven’t paid on an account for 6 months to a year, creditors will often mark the account as a “charge off”. This means that the creditor has determined they’ll likely be unable to collect on the debt so they are claiming it as a business loss. This is basically done for tax reasons. However, just because it’s marked as a loss doesn’t mean they will stop attempting to collect on the debt. In fact, they might even hire an outside company to handle the collection process. This is important to understand in case you’re contacted by a collection agency you don’t recognize. Either they purchased the debt from the original creditor and are attempting to collect on it, or they have been commissioned by the original creditor to collect the debt. Knowledge is Power and Credit is King!

8 Credit Card Tips That Will Last a Lifetime!!! Credit card tips can change with the wind — or as you enter different stages in life. If you’re young and trying to build credit, start with a low credit limit. If you travel a lot, consider an airline or hotel credit card. If you have a lot of debt, it’s a good time to put those cards on ice. Great credit? Look into what rewards you might qualify for. All this advice can, at times, get a little overwhelming. Fortunately, there are certain credit card habits that will always apply. Here are 10 basic credit card tips that will last your lifetime. 1. Try to Pay Your Statement Balance in Full Paying interest increases the cost of everything you purchase with your credit card, so you should try to avoid carrying a balance as often as possible. If you do have to carry a balance, try to keep it below at least 30% (ideally 10%) of your available credit limit. Doing so will help keep your credit score intact. You can come up with a payment plan to get rid of any existing credit card debt you have here. 2. Never Make a Late Payment Late payments can result in costly fees, damaged credit and sky-high penalty annual percentage rates. Fortunately, there are many tools that you can use to make on-time payments including e-mail and text alerts or automatic payments that you can initiate with your issuer. 3. Carefully Examine Every Statement Credit card users enjoy robust protections against fraudulent transactions, but you may have to report the activity to your issuer to take full advantage of them. Regularly reviewing your credit card statements can help you spot fraud as soon as it occurs. Calling your issuer immediately to dispute the charges and have the card replaced can help ensure you’re not on the hook for them. 4. It Never Hurts to Ask If you have ever made a late payment by accident, then you’ve probably incurred a late fee. But if you take the time to ask for the fee to be removed, many card issuers will do so. You can also try asking for annual fees and foreign transaction fees to be waived, for your interest rate to be lowered or for your credit limit to be raised. (Keep in mind, the last two may result in a hard inquiry on your credit report, which could ding your credit score.) 5. Read Your Terms and Conditions It’s important to thoroughly read the terms and conditions associated with any credit card you are using or are thinking of applying for. You’ll want to know, for instance, what fees will be imposed and when, if an APR change may go into effect and what your rewards programs entails. You should also check your privacy agreement and whether your card is subject to an arbitration clause. 6. Keep Track of Your Credit The most important way to ensure that your credit card spending habits are in line is to regularly check your credit. Some credit card issuers now offer free monthly FICO credit scores on your statement. You can also request free copies of your credit reports each year from CreditcheckTotal.com and view your credit scores for free each month on Credit.com. 7. Regularly Re-evaluate Your Credit Cards The only constant in the credit card industry is change, so it’s important to regularly take a look at the credit cards that are in your wallet. Then, examine the market to see if there are newer products available that will better meet your needs — which may have changed since the last time you comparison-shopped for cards. 8. Avoid Cash Withdrawals Nearly all credit cards impose cash advance fees and very high cash advance APRs, so you should avoid using your credit card for cash at all costs. Remember, it’s always better to use your ATM card when you need cash.

If You Plan To Apply for a Mortgage soon, DON'T Start Disputing Credit Accounts The Action: The consumer has a disagreement with a particular creditor and takes action by disputing with the creditor a charge, balance, payment or any aspect of the credit obligation. The creditor then places the account in the dispute status, changing the credit reporting to “in dispute.” Why It’s an Issue: Mortgage lenders use what’s called an automated underwriting system, (AUS) for short, which is an algorithm that reviews a borrower’s total on-paper financial picture. The automated underwriting system used by lenders literally ignores any accounts in dispute. As such, the results of the automated underwriting system are flawed, because while the account is on the credit report, the algorithm ignores it because the account is in dispute. In other words, because it doesn’t provide an accurate rating of the true credit picture, the borrower would have to call the creditor and remove the account from dispute status, then the lender reruns the automated underwriting to ensure the loan gets approved in the system. If the loan does not get approved at this time, changes to the loan structure might have to be made, such as switching loan programs (from conventional to FHA, for example), reducing the loan amount or increasing the credit score. Knowledge is Power and Credit is King! #NoMoreExcuses

These 6 Tips Will Help You Get The Most From A Credit Card Most people agree that using a credit card to pay for day-to-day purchases is a smart idea. After all, credit is safe, convenient, and rewarding. Plus, if you're responsible, you'll also be building a solid credit score with every swipe. But are you really making the most of your plastic experience? Here are seven credit card tips everyone should know: 1. Balance alerts can help you keep your spending in check. Keeping a watch on how much you're spending with your credit card is easier than ever before. Most issuers allow you to set up balance alerts so that you'll receive a text and/or an email whenever your total spending hits a certain threshold that you've set. Sign up for this service so that you'll get a notice when your credit utilization ratio is approaching the 30% mark — this way, you'll know to make a payment before you jeopardize your credit score. 2. Spending analysis tools make sticking to your budget a cinch. One of the most underrated online banking features offered by most credit card issuers these days is the spending analysis tool. This allows you to see a breakdown of how much you're spending with your card in different categories (restaurants, travel, general merchandise, etc.). You can usually choose to view this on a per-month basis or take a look at your spending patterns over time. Be sure to look around for this tool the next time you log into your card's online banking platform. It can provide some helpful insights into where you're doing a good job sticking to your budget, and where you might need to cut back. 3. Mid-cycle payments could improve your credit score. Every month, your credit card issuer sends a report about your account to the three major credit bureaus. Included on this report is your balance, which is used to calculate your credit utilization ratio. However, this data isn't necessarily sent over after you've made your monthly payment — it could be reported at any point in your billing cycle. If you tend to charge a lot to your card each month, getting into the habit of making a payment mid-cycle will keep your credit utilization ratio low. This, in turn, will help 30% of your credit score determined by amounts owed. Woman on Laptop at Cafe If you do your shopping on your computer, see if your credit card offers a rewards mall. 4. Shopping through rewards malls will earn you stellar rewards. If you're a big online shopper, you should definitely use your credit card's rewards mall every time you place an order. This is an easy and convenient way to earn tons of extra rewards on every dollar you spend. And don't assume that your particular issuer doesn't offer this benefit. Even if it's not widely advertised, look around a little the next time you visit your credit card's website. You'll probably find some type of rewards mall or portal that you never noticed before. 5. Moving your due date could help you avoid missing a payment. Missing a credit card payment is bad news for your FICO credit score, since 35% of it is determined by your history with making on-time bill payments. If your credit card billing due date comes at an inconvenient time during the month, consider switching it. You can usually do this online or by placing a call to your issuer. This one simple move could go far toward preserving your good credit. 6. Strategic swiping is the best way to maximize rewards earning Using just one high-rewards card for all your spending is a good way to rack up a lot of points. But getting a couple of cards that earn big in the merchant categories you spend the most in and then using them strategically is a great way to pump up the volume on the rewards you're accumulating. For example, if you spend a lot on gas, dining, and travel, getting both the Chase Freedom® - $200 Bonus and the Chase Sapphire Preferred® Card is a smart idea. You can use the Chase Freedom® - $200 Bonus at gas stations when they're featured as a 5% category (which historically happens 2 out of 4 quarters per year) and the Chase Sapphire Preferred® Card when you travel and dine out.

Major differences between FICO® Score 8 and FICO® Score 9 credit-scoring models Here are the highlights. 1. Paid collection accounts matter less. If you’ve paid off a collection account in full, it no longer counts against you with FICO® Score 9. With FICO® Score 8, paying off a collection account doesn’t necessarily help your scores. That’s can be an issue, because collections can stay on your credit reports for a long time. 2. Medical collections matter less. Until recently, there wasn’t a significant distinction between medical collections accounts and other types of collections accounts — at least in terms of their impact on your credit. But newer credit-scoring models, such as FICO® Score 9, deemphasize the impact of unpaid medical collections accounts. 3. Rental payments matter more. FICO® Score 9 cares if you pay rent on time, including rental payment history as a factor in your scores — provided your landlord reports it to at least one of the three consumer credit bureaus. This can be a boon to those who have just started building credit from scratch and don’t have much lender information on their credit reports. Knowledge is Power and Credit is King!

If You Plan To Apply for a Mortgage soon, DON'T Start Disputing Credit Accounts The Action: The consumer has a disagreement with a particular creditor and takes action by disputing with the creditor a charge, balance, payment or any aspect of the credit obligation. The creditor then places the account in the dispute status, changing the credit reporting to “in dispute.” Why It’s an Issue: Mortgage lenders use what’s called an automated underwriting system, (AUS) for short, which is an algorithm that reviews a borrower’s total on-paper financial picture. The automated underwriting system used by lenders literally ignores any accounts in dispute. As such, the results of the automated underwriting system are flawed, because while the account is on the credit report, the algorithm ignores it because the account is in dispute. In other words, because it doesn’t provide an accurate rating of the true credit picture, the borrower would have to call the creditor and remove the account from dispute status, then the lender reruns the automated underwriting to ensure the loan gets approved in the system. If the loan does not get approved at this time, changes to the loan structure might have to be made, such as switching loan programs (from conventional to FHA, for example), reducing the loan amount or increasing the credit score. Knowledge is Power and Credit is King! #NoMoreExcuses

1 Smart Way to Fix Your Bad Credit Once you have it, how should you use it? Basically, treat the card like you're spending your own cash (in a way, you are). Obviously, you want to make your payments on time every month (35% of your FICO score comes from your payment history), but you also should make an effort to keep your balance low. Of your FICO credit score, 30% comes from "amounts owed," which mainly refers to how much money you owe relative to your credit limits. Most experts agree that you should use less than 30% of that amount. For example, if you get a secured card with a limit of $500, try to keep the balance under $150. The lower the better, but make sure you use your card somewhat regularly in order to establish a good payment history. Over time, your secured credit card will help your credit score in nearly every way possible. "Types of credit used" comprises 15% of your score, and if you don't have a credit card, you're not doing too well in this category. Another 10% comes from "new credit," and as your secured card becomes established, the age of your credit will increase and this category will improve. A secured card can be an excellent step on the way to reestablishing your credit, while allowing you all of the freedoms that come with having a credit card.

How to Establish and Maintain Good Credit

Your credit history is a list of all the pieces of your financial life. It includes every credit card account you've opened and any other loans you've taken out. It also includes your debt repayment history. Many factors can affect your credit score, including whether you've paid on time or late, been foreclosed upon or filed for bankruptcy. If a court has ordered you to repay a loan or your debt has been deemed un collectible-these, too, affect your score. All of this information stays on your credit history. Lenders look at your credit history to assess your ability to pay back their money. If you are having money problems, you represent greater risk to a lender. The basic principle with credit is this: use credit wisely and spend within your means. Establishing Credit If you don't have credit (or much credit), the key is to start small. One credit card or small loan can get the ball rolling. But make sure your lender reports your on-time payments to one of the three credit bureaus- ExperianSM (experian.com), Equifax (equifax.com) or TransUnion® (transunion.com)-and preferably to all three. If your on-time payments don't get reported, you're accumulating debt but not building credit. Only credit accounts that report your borrowing and repayment activity will count toward your credit history. Here are some tips to help you establish a credit good history: When establishing credit, pay off your charges in full at the end of the month. When you get a card, always pay off the balance in full when the statement arrives. Paying off your balance in full shows the card company that you're fiscally responsible. You're using credit as it was intended: as a short-term loan. Pay on time. One of the most important steps in building and maintaining a solid credit history is to pay all of your bills on time each month. By paying on time, you're showing the lender or creditor that you've got enough cash flow to cover your expenses. If you pay late and the creditor reports your late payment to the credit bureaus, it may damage your credit history, and lower your credit score. Keep your total charges well within your credit limit. If you want to boost your credit history and credit score, you'll want to keep your total monthly charges well within your credit limit. Why? In calculating your credit score, you'll take a hit if your balance is above that limit because it signals to creditors that you may be having financial difficulties and thus are a riskier borrower. Regularly read your credit report. One way to building a positive credit history is to make sure you know what information is being reported. Errors and negative information can damage your credit history and your credit score, so you'll want to regularly check your credit report to see what's there. Understand what debit cards can do for you. While they look like credit cards, debit cards actually function more like a checkbook. They provide direct access to the cash in your bank account. So you can pay for items and services with a debit card instead of writing a check. What debit cards don't do is help you build your credit history. That's because you're not using credit to buy these items—you're using something that's treated like cash. Because you're using a cash substitute instead of credit, your debit card activity isn't reported to the credit bureaus and won't help you establish good credit. Consider getting a secured credit card. A secured credit card is tied to an account. You deposit a certain amount of money into the account and then you can charge up to that amount. If you default on your payment, the bank can tap into the account to get repaid. After six to 12 months of on-time payments, you may feel you're ready to graduate to a regular credit card or a store card. However, resist the urge to open too many store card accounts to take advantage of discounts. Every time you open one, it results in a credit report inquiry, which may affect your score. Ask for a credit line increase. After you've had your first credit card for a while (six months to a year), call the issuer and ask to increase your credit limit. The idea is to raise the credit limit on the card, not your debt load. If you're carrying a balance, raising your limit will help keep your debt-to-credit-limit ratio low. That's an important factor when calculating a credit score. Focus on what you want. Your credit history becomes critical when it's time to make those big purchases, like a home or a car. At that point, a one percent difference in the interest on a loan will either cost you or save you thousands of dollars over the life of the loan. By keeping your eye on the goal-establishing and maintaining a good credit history-you'll be able to borrow that money when you want it, at the most favorable terms and conditions being offered.

Ways You're Ruining Your Credit Score You know your credit score is important, but are you clued in on what you might inadvertently be doing to sabotage it? This three digit number acts like a grade for your financial life and is calculated based on the information in your credit reports, like your history of paying credit card bills and taking out loans. Lenders use it to determine your eligibility for mortgages, car loans and credit cards, plus how high of an interest rate you’ll pay. Your reports can even be pulled by prospective landlords or employers as they evaluate you for an apartment or job. A FICO score, which is used by the vast majority of lenders, ranges from 300 to 850. Anything above 780 is considered very good and anything below 600 is considered fair to bad. Here are some of the top credit score killers: 1. Paying bills late: Your history of making payments is one of the most important factors that goes into your credit score, whether it’s for a credit card, student loan or mortgage. It’s the first thing a lender wants to know, says Fair Isaac Co., which produces the FICO score, and composes about a third of your score. By slipping up and failing to pay your bills on time, your score gets dinged. It’s devastating for your credit score when you start missing payments entirely (say, you lost your job and can’t afford your mortgage) and they get sent to collections. A collection listed on your credit report will typically remain there for seven years, regardless of whether you pay it off later or not. (That’s right, an unpaid collection is no worse for your score than a paid collection.) With that said, generally the older a collection is the less it will hurt your score. If you get to the point where you’re forced into foreclosure or bankruptcy, that’s particularly catastrophic and can easily knock 100 points off your score. It doesn’t matter if you never exceed the limit and you’re religious about paying your bill in full every month. The fact remains: Amassing big balances on your credit card, relative to your allowance, is harmful to your score. With that said, there are a few tricks you can employ to spend as normal and take full advantage of credit card rewards, without putting your credit score in harms way. The balance that’s reported is typically the one on your monthly statement, so figure out when this hits your mailbox and pay well in advance. Call your credit card company to check. You can also try to boost your credit limit, either by requesting a higher limit on your existing card or signing up for another credit card. Your total credit limit rises with each additional credit line you’re extended. Just “don’t play chicken” with your bill, Your best bet might be to make credit card payments multiple times a month to ensure your balance is always low. Or if you make a big purchase, say a $1,500 flat-screen TV, go home and pay it off right away. You’re expected to pay your credit card bill every month, even if you’re challenging an item on your statement. Were you charged for a catering job you thought was subpar or hotel parking you thought was free? Shipped a defective product? By all means, fight for a refund with the merchant and call up your credit card company to tell them you’re disputing the charge (they’re supposed to designate that charge as pending.) But then pay your credit card bill.

Credit Restoration Process

Credit Restoration through BBC is a very affordable and unique service, one that makes your goals of restoring your credit a lot easier than if you were to attempt to do it your own. The credit bureaus have made it nearly impossible for the average person to effectively attain, interpret and correct anything in their credit profiles. Most people are under that the credit bureaus are a subsidiary of the government, but they are not. In fact, actual consumer protection laws have been put in place to hold them accountable for their credit reporting. To learn more, call us for a FREE consultation @1734.744.8690 to Start Gaining Financial Stability with Intelligence and Integrity!

Here is a Tip for Boosting Your Credit Scores and Improving Your Credit Health in 2019 You Should Limit your Credit Inquiries... * Looking for a new apartment? ** What about a mortgage? In either situation, try and group your applications together as much as possible. *** Applications for new lines of credit will generate a “hard pull“ on your credit, and having too many of them in a short period of time can lower your score. However, credit reporting agencies usually consider a group of applications within a short period of time as one pull, as long as they’re in the same category. Similarly, limit yourself to opening up no more than one or two credit cards per year, which also generate hard pulls. Even if you get a ton of offers in the mail for stellar sign-up bonuses, they’re likely to be offset by the damage to your credit. FICO reports that new credit and credit inquiries account for 10 percent of your total score. Knowledge is Power and Credit is King!

There are a few Tips for Boosting Your Credit Score in 2019

Take Care of Late Payments Before They Hit Your Credit Report... If you do happen to miss a payment, contact the card issuer immediately. If you have good history built up, the company may agree to not report your late payment. * Even if you can’t avoid a late-payment fee, be sure to get your account up to date as soon as possible so you can limit the damage. ** Your credit score is yours to own. It reflects your financial history and helps lenders predict how you will manage your finances in the future. Due to the lingering effects of credit, you don’t want to waste any time to improve your credit. Knowledge is Power and Credit is King!

Tips for Boosting Your Credit Score in 2019

Your credit score affects your financial life in many ways. Car insurance premiums and your interest rate on home and auto loans are determined, in part, by your credit report, and plenty of employers actually check it when deciding whether or not to hire a candidate for employment. With that in mind, it’s in your best interest to not only know your credit score, but to improve it.

I Wish I’d … Stayed Out of Credit Card Debt... It’s understandable that credit card debt makes you want to turn back the clock and snatch the plastic out of the hands of your younger self. Not only are you paying a sky-high interest rate, your credit is likely suffering, too. That’s because 30 percent of your credit score is influenced by your credit utilization – the percent of credit limits your using. * Carrying so much debt that you’re using more than 30 percent of your available credit is probably costing your points. The best way to cope with this regret is to work hard to eliminate the balance. Here are a few ideas for shaking your debt as fast as you possibly can: 1. Stop charging. Put your cards away, and switch to cash. 2. Cut unnecessary expenses from your budget to free up money for extra payments on your card. 3. Track your spending, and avoid temptations to break your budget. 4. Consider taking on extra work, and devote your surplus funds to debt payoff. 5. If you have debt on more than one card, pay off the card with the higher APR first; this way, you’ll save the most money on interest. 6. If your credit is good, consider a balance transfer, which could save you money on interest.

I Wish I’d … Stayed Out of Credit Card Debt... It’s understandable that credit card debt makes you want to turn back the clock and snatch the plastic out of the hands of your younger self. Not only are you paying a sky-high interest rate, your credit is likely suffering, too. That’s because 30 percent of your credit score is influenced by your credit utilization – the percent of credit limits your using. * Carrying so much debt that you’re using more than 30 percent of your available credit is probably costing your points. The best way to cope with this regret is to work hard to eliminate the balance. Here are a few ideas for shaking your debt as fast as you possibly can: 1. Stop charging. Put your cards away, and switch to cash. 2. Cut unnecessary expenses from your budget to free up money for extra payments on your card. 3. Track your spending, and avoid temptations to break your budget. 4. Consider taking on extra work, and devote your surplus funds to debt payoff. 5. If you have debt on more than one card, pay off the card with the higher APR first; this way, you’ll save the most money on interest. 6. If your credit is good, consider a balance transfer, which could save you money on interest. Knowledge is Power and Credit is King!

I Wish I’d … Opened a Credit Account Sooner... People who put off opening a credit account until they’re well into adulthood often find that it’s tough to get lenders to approve them. Although only 15 percent of your credit score comes from the length of your credit history, without a long and strong record of making on-time payments, many lenders aren’t willing to take a risk on a new borrower. To overcome this obstacle (and your intense regret), do what you can to start using credit right now. The easiest way to do this is with a credit card. There are some cards on the market that are fairly easy to qualify for even if your credit history is limited. If that route doesn’t work, consider a secured card. Since using this type of plastic involves tapping a credit line, you’ll be able to build good credit as you use your card responsibly. As a reminder, this means paying your balance on time and in full every month. Knowledge is Power and Credit is King! #NoMoreExcuses

I wish I’d … Paid My Bills on Time... Failing to pay your bills on time is a significant credit misstep. The largest portion of your credit score (35 percent) comes from your history with making on-time payments to your creditors. If you have a spotty record in this arena, your score might be in bad shape. Moreover, if you have accounts that have been sent to collections, this information could hang around on your credit report for years. Again, you can’t rewind time, and turn late payments in on time. The best way to move forward is to make a commitment to paying your bills by their due dates from here on out. Set up text or email alerts with your lenders, mark a calendar or set reminders on your phone – whatever works for you. Over time, the negative marks on your credit report from collections and late payments will be replaced by the positive information you’re creating. Knowledge is Power and Credit is King! #NoMoreExcuses

How to Make or Break Your Credit Score STEP 1: Keep your credit cards under 33%. Carrying a balance wont damage your score, it will if your debt utilization rate starts to climb above 50%. Pay your balance full every cycle if possible. STEP 2: Pay your bills on time. With any kind of credit obligation it's really critical to always pay on time, even if you can't pay in full. Late payments will hurt your score. STEP3: Use Different forms of credit. Holding a variety of lines:car, loan, installment loan, mortgage, store card; can improve your credit score, as long as you're mindful of the first two steps. STEP 4: Develop a history of credit. Maintaining responsible payment habits over time will increase your score. STEP 5: Don't Overburden your credit lines. Its best not to use more than half of any given credit line, and even better not to use more than one-third.

10 Things That Appear on Your Credit Report When you're reading your credit report for the first time, it can be overwhelming, especially if you've had a lot of accounts over a long period of time. Knowing what types of things appear on your credit report can make it much easier to read and understand. 8. Recent credit and loan applications Recent applications for credit will appear on your credit report in the inquiries section. These inquiries only remain on your credit report for 24 months.

10 Things That Appear on Your Credit Report When you're reading your credit report for the first time, it can be overwhelming, especially if you've had a lot of accounts over a long period of time. Knowing what types of things appear on your credit report can make it much easier to read and understand. 9. Collection accounts Unpaid debts that have been sent to a collection agency usually appear on your credit report. Even something as small as a $4 library fine could end up on your credit report if the library sends the account to collections. This is why it's important to take care of all your bills, even those that aren't regularly reported to the credit bureaus.

10 Things That Appear on Your Credit Report When you're reading your credit report for the first time, it can be overwhelming, especially if you've had a lot of accounts over a long period of time. Knowing what types of things appear on your credit report can make it much easier to read and understand. 10. Public records Public records include things like bankruptcy, repossessions, and foreclosures. These are all proceedings that have gone through the court system. They’ll also appear on your credit report for up to ten years for repossession and foreclosure, fourteen years for bankruptcy.

Carrying High Balances on 0% Interest Credit Cards The Action: The consumer carries a high debt load on 0% credit cards. Why It’s an Issue: If you’re planning on getting a mortgage in the near future, don’t let the short-term 0% credit card offer fool you into thinking it’s OK to run up debt on that card. Why? You’ll still need to make that payment every single month. It doesn’t matter if your balance is $100,000 at 0% interest, it’s about the payment, and the lower the payment, the better. A lender wants to see that the minimum payments are very low in relationship to the income. Payments are king for the granddaddy of credit, a mortgage loan. A consumer who has made of these common credit mistakes should consider speaking with a reputable mortgage loan officer. The loan officer can proactively walk them through the process of how to fix these credit blemishes, and take a preemptive approach in helping them qualify for home financing. It can also help to check your credit reports (which you can do for free once a year) and your credit scores to see what work you may need to do before you apply. You can obtain two of your credit scores for free on Credit.com, along with an overview of what’s affecting your scores. Knowledge is Power and Credit is King!

Maxing Out Credit Cards Can Affect Your Mortgage Process The Action: The consumer accumulates a balance in an excess of 50% of the total available credit on any credit card, credit line or even home equity line of credit. Why It’s an Issue: Maxed-out credit cards — especially accounts where the balance is equal to or over the total credit limit — are a red flag for lenders in the decision to approve your new mortgage. This situation also wreaks havoc on all three credit scores the mortgage lender looks at, especially if each account reports to each of the three major credit reporting agencies. A better way to manage a higher debt load is to spread the debt over multiple cards (if you have them), reducing the balance per card or consolidating the debts into one new account with a high credit limit. Consumers ought to not carry any more than 30% of the total allowable credit line at any given point in time if they want to maximize their credit score potential. Knowledge is Power and Credit is King!

f You Plan To Apply for a Mortgage soon, DON'T Start Disputing Credit Accounts The Action: The consumer has a disagreement with a particular creditor and takes action by disputing with the creditor a charge, balance, payment or any aspect of the credit obligation. The creditor then places the account in the dispute status, changing the credit reporting to “in dispute.” Why It’s an Issue: Mortgage lenders use what’s called an automated underwriting system, (AUS) for short, which is an algorithm that reviews a borrower’s total on-paper financial picture. The automated underwriting system used by lenders literally ignores any accounts in dispute. As such, the results of the automated underwriting system are flawed, because while the account is on the credit report, the algorithm ignores it because the account is in dispute. In other words, because it doesn’t provide an accurate rating of the true credit picture, the borrower would have to call the creditor and remove the account from dispute status, then the lender reruns the automated underwriting to ensure the loan gets approved in the system. If the loan does not get approved at this time, changes to the loan structure might have to be made, such as switching loan programs (from conventional to FHA, for example), reducing the loan amount or increasing the credit score. Knowledge is Power and Credit is King! #NoMoreExcuses

Applying for Credit During the Loan Process could Wreck Your Opportunity for a Mortgage

Applying for Credit During the Loan Process could Wreck Your Opportunity for a Mortgage The Action: The consumer applies for additional types of credit while they’re in the process of seeking final approval. Why It’s an Issue: Undisclosed debt could critically change any dynamic of the loan, and more importantly, could cause your loan to be denied. If your mortgage loan has not closed, taking out additional debt — even a credit card with a tiny limit — could change your credit score, which is material to your ability to qualify for the home mortgage. In addition, any associated debt with that balance, such as a monthly car payment, could easily drive up your debt-to-income ratio and jeopardize your loan approval. Knowing ahead of time what not to do can make all the difference. Knowledge is Power and Credit is King!

Why Choose the BCC Credit Restoration Services? BCC is proud to offer proactive and interactive customer service. In short, clients receive regular progress reports detailing the status of their credit file, including the number of dispute cycles completed and the number of deleted items. Our customer support team is on hand to personally answer any questions by phone or email, or clients may choose to access their account details on line any time of day or night. Let our professionals work for you. Enroll today in credit restoration and join the thousands of other clients who are enjoying the benefits of improved credit. * Money-back guarantee! * Exceptional A rating with the BBB * Outstanding deletion rate! * Monitor your file’s progress around the clock 24/7/365 * Member of NACSO (National Association of Credit Services Organizations) Call 1-800-442-1591; Start Gaining Financial Stability with Intelligence and Integrity!

Identify Outstanding Student Loans The first step for borrowers is to know what they've borrowed. Debtors can access all their federal loans by logging into the National Student Loan Data System. Keeping track of these loans can be harder than you think. Students could have eight federal loans (one for every semester) or more after graduating from college. Knowledge is Power and Credit is King!

Things To Know About your Student Loans For new college graduates who borrowed to help pay for their bachelor's degrees, the clock is ticking. These grads have six months before the federal government expects them to start repaying their students loans. Knowledge is Power and Credit is King!

Try to Pay Your Statement Balance in Full Monthly or Maintain it UNDER 33% of the Limit Paying interest increases the cost of everything you purchase with your credit card, so you should try to avoid carrying a balance as often as possible. If you do have to carry a balance, try to keep it below at least 30% (ideally 10%) of your available credit limit. Doing so will help keep your credit score intact. You can come up with a payment plan to get rid of any existing credit card debt you have here. Knowledge is Power and Credit is King!

Here's a Credit Card Tips That Will Last a Lifetime!!! Regularly Re-evaluate Your Credit Cards The only constant in the credit card industry is change, so it’s important to regularly take a look at the credit cards that are in your wallet. Then, examine the market to see if there are newer products available that will better meet your needs — which may have changed since the last time you comparison-shopped for cards. Knowledge is Power and Credit is King!

A Credit Card Tips That Will Last a Lifetime!!! Avoid Cash Withdrawals Nearly all credit cards impose cash advance fees and very high cash advance APRs, so you should avoid using your credit card for cash at all costs. Remember, it’s always better to use your ATM card when you need cash. Knowledge is Power and Credit is King!

How Credit Affects Our Lives; Whether it's Positive or Negative... Shelter: Leasing an apartment or purchasing a home; Transportation: Leasing or purchasing a car; Utilities: Ordering gas, lights, etc; Education: Financing for your child; Employment: Applying for certain jobs; Products: Computers or Appliances; Business: Starting a company; Emergencies: A credit card for unforeseen events; Savings & retirement: Lowered interest rates and savings. Knowledge is Power and Credit is King! #NoMoreExcuses

Pay Off & Close? NO! Absolutely NOT! Of course, if you pay off and close a credit card account (or close and then pay off a card), that's another matter. Closing an account removes the credit limit on that card from the utilization calculation, which can potentially affect your scores by raising your overall debt usage ratio on your remaining open revolving accounts. In a sense, monitoring your credit score can be a lot like monitoring your blood pressure. If it's higher than usual, is that because of the last meal you ate, or the argument you had with your spouse, or because you took your last dose of blood pressure medicine earlier than usual? It may be a combination of all three, or maybe it's something else you not on your radar. It's the overall trend that's important. Are you bringing it down overall? The bottom line? Paying your credit cards in full can help you save money in interest and should not hurt your credit scores. But keeping accounts open and active can help your scores. As is often the case, you'll get the best scores by using credit — as long as you use it wisely. Knowledge is Power and Credit is King! #NoMoreExcuses

Six Ways You Can Raise your Credit Scores... 1. Pay Bills before the statement date 2. Make multiple payments 3. Ask for a good will deletion 4. Pay for removal 5. Protect yourself in a short sale 6. Call BANCO Capital for Credit Restoration or Credit Enhancements; 1-800-442-1591. Start Gaining Financial Stability with Intelligence and Integrity. We are ONE of the best in the business!

The Biggest Mistake People Do is Ignoring Your Debt... Some people become so stressed out or embarrassed by their credit card debt that they simply stop opening their bills and pretend that the problem isn't there. While this tactic may appear to work for a month or two, it's a bad approach because while you're ignoring your bills, interest rates are causing the balance you owe to grow every day. In fact, if you miss a payment or two, the interest rate itself may even increase under the terms of your credit card agreement. Not paying your bills on time also has a detrimental effect on your credit score. If you're feeling overwhelmed, you can call each of your credit cards and ask to renegotiate the terms of your agreement. Sometimes you can get your interest rate lowered, set up a payment plan that will allow you to pay off your debt, or even get some of your debt forgiven, all with a simple phone call. * If your first call doesn't work, remember that just because one person says no doesn't mean that's the final answer. ** Keep calling the company back - you'll often get a different customer service rep almost every time, and talking to different people may allow you to negotiate a better deal. Knowledge is Power and Credit is King! #NoMoreExcuses

Business Credit Cards Whether you're a one-person company, or the head of a Fortune 500 empire, it's likely you'll need to pay for business-oriented expenses. That's where business credit cards come in handy. These cards separate business from personal costs, and can help manage company expenses. Some cards include rewards for using them like cash back or points, additional expense management tools to see where the money is going, and special card-member perks. We've reviewed the features and benefits of the most popular business credit cards. We can get your business set-up to get these cards. Knowledge is Power and Credit is King! #NoMoreExcuses

I Used to Dodge Debt Collectors & Now I Have a Great Credit Score Hiding the car from the repo man and renting a private mailbox so he didn’t have to provide a home address were just two of the ways Dan Nainan was trying to deal with his debt a decade ago. But the collectors were persistent. One showed up at the mailbox rental location and told the owner of the business that Nainan’s parents had been in a car accident and he needed to get in touch with him immediately to donate blood. Another time, Nainan returned from a trip to learn that the repo guy had found out where he lived and had been banging on his door. He has since learned the first collector’s tactics were illegal, but at the time he didn’t know his rights.

I Used to Dodge Debt Collectors & Now I Have a Great Credit Score Now a successful comedian, Nainan can joke about his past credit problems. “My credit card company had a hit man after me,” he quips. But at the time it was pretty serious – and scary. Nainan had run up a considerable amount of debt “buying stupid stuff trying to be like your typical materialistic American,” he says. He was having trouble managing his debt and his credit scores were terrible. “I really screwed up my credit,” he admits, saying his credit score was “probably a negative number.” But in the process of getting back on track financially he educated himself about credit, and today his scores top 800. Here’s how he did it and what he learned.

I Used to Dodge Debt Collectors & Now I Have a Great Credit Score Hiding the car from the repo man and renting a private mailbox so he didn’t have to provide a home address were just two of the ways people try to deal with their debt. But the collectors will be persistent. Knowledge is Power and Credit is King!

Say "No" to Cash Advances Credit card companies employ tactics such as sending you checks in the mail as often as once a week and encouraging you to use them to pay bills or treat yourself to something nice, but only in the fine print do they mention that these checks are considered a cash advance. The main reason why taking a cash advance is such a bad idea is that you start accruing interest the minute you take the advance - unlike with regular credit card purchases, there is often no grace period. You're also charged an automatic fee, usually around 2-4%, on the amount of the cash advance in addition to a higher interest rate than what you're paying on the rest of your credit card balance. To add insult to injury, the credit card company often won't consider the cash advance to be paid off until you've paid off your balance for your other purchases. The best thing to do with these checks is to shred them as soon as you receive them. This way, you'll avoid the temptation to use them and prevent would-be identity thieves from snagging them out of your trash. Many credit cards will also send you a pin number shortly after you sign up for a card so that you can use your credit card to get cash from an ATM. Shred that pin number, too - cash advances are a terrible deal for consumers. Knowledge is Power and Credit is King! #NoMoreExcuses

The Biggest Mistake People Do is Ignoring Your Debt... Some people become so stressed out or embarrassed by their credit card debt that they simply stop opening their bills and pretend that the problem isn't there. While this tactic may appear to work for a month or two, it's a bad approach because while you're ignoring your bills, interest rates are causing the balance you owe to grow every day. In fact, if you miss a payment or two, the interest rate itself may even increase under the terms of your credit card agreement. Not paying your bills on time also has a detrimental effect on your credit score. If you're feeling overwhelmed, you can call each of your credit cards and ask to renegotiate the terms of your agreement. Sometimes you can get your interest rate lowered, set up a payment plan that will allow you to pay off your debt, or even get some of your debt forgiven, all with a simple phone call. * If your first call doesn't work, remember that just because one person says no doesn't mean that's the final answer. ** Keep calling the company back - you'll often get a different customer service rep almost every time, and talking to different people may allow you to negotiate a better deal. Knowledge is Power and Credit is King! #NoMoreExcuses

The most widely used is FICO® Score 8, which is generally consistent with previous versions but differs in several key ways. A FICO® credit score is a three-digit number ranging from 300 to 850 (and 250 to 900 for industry-specific scores). Knowledge is Power and Credit is King!

How and Where to Start When Building Your Credit Scores...

When you are ready to start building credit, we suggest focusing your attention on ONE line of credit. Credit cards in particular are a good starting point. A credit card is self-managed, and only you can decide how much you are going to charge on it each month and how much you are going to pay on it each month. It is a strong and predictive indicator of your credit management abilities. An unsecured credit cards have spending limits determined by your credit history and income, it may be hard to acquire one at first. Secured credit cards [53rd has a credit builder program, we recommend you seeing Sierra Sparks, 2489360314] require a security deposit that becomes collateral as well as the credit limit for your card and may be an easier place to start. Every card issuer has different standards so research your options to find a card that has a lending profile that fits you best. Co-signed cards or loans can be another opportunity for credit beginners to start building a history, but they come with risk. Whatever happens with that card is going to affect both parties. * Just make sure every month you check, and make sure that the agreed payment was made or that the balance isn't getting out of control. ** If managed closely, co-signed credit can benefit everyone involved. Credit is King and Knowledge is Power! NO MORE EXCUSES...

You MUST Check your credit report

First, learn about your current financial situation before diving into building credit. The best way to do this is by checking your credit report, which can be obtained for free once a year from each of the three major credit bureaus: Experian, Equifax and TransUnion. As you're building your credit history, you must know that information will be collected from your creditors. Make sure that you're maintaining your payments because if you're not, your scores will plummet. Upon a credit lender or bureau's request, credit reports are fed through a mathematical formula created by Fair Isaac Company to create your FICO credit score, which is used by financial institutions across the world to make consumer credit decisions. FICO scores have become the standard for measuring an individual's credit risk and range from 350 to 850, with a higher number representing better credit. If you're someone that's just starting out, it's important that you look at your credit report, verify that there are no mistakes and make sure all the information on that report is accurate because it is that information that is run through the algorithm to generate the score. If there are mistakes [negative information] on the credit report, that will impact your credit scores. Knowledge is Power and Credit is King! Call 18004421591 to start Gaining Financial Stability with Intelligence and Integrity!

Our process is simple; 1. Sign up with www.creditchecktotal.com, it's $1 2. Call our office with your username and password, 1.800.442.1591 3. Get your Free Consultation 4. Pay your Application Fee 5. Start seeing results within 14 business days - Gaining Financial Stability with Intelligence and Integrity! We are One of the BEST in the business!

Our office address is 17199 N Laurel Park Drive Ste 310 Livonia MI 48152 #NoMoreExcuses

Health Insurance Account Numbers is ONE of the items that Identity Thieves WANT from YOU.. Health insurance fraud is on the rise, and one of the biggest growth areas is identity-related health care crimes. This can jeopardize your life — not just your credit or finances, as the fraudster’s medical information can be commingled with yours, precipitating blood type changes, and eliminating certain allergies to meds or presenting new ones. The results can be catastrophic when a course of treatment is prescribed based upon incorrect information in the file. It’s time to become a data security realist. Data breach fatigue is the enemy. Every new compromise and scam is potentially crucial news for you, since it may point to weak spots in your own behaviors and ways that your data hygiene might be putting you at risk. So keep reading articles about new threats to your personal data security, and read every single email alert that you receive—though be careful of the obviously fake emails and always verify directly with the institution.

Understand the Difference between Possessions and Net Worth... While your friends and family may seem to have a fuller lifestyle because their house is bigger or their car is newer, you need to consider that it could just be a facade covering their mountains of debt. True wealth is not measured in possessions, but in assets. When the value of your assets is greater than the amount you owe on mortgages, car loans, and credit card debts, then you have a strong net worth and are truly wealthy. By trying to live a more effectively frugal lifestyle, you’ll be able to achieve true wealth, rather than just a life full of stuff. Knowledge is Power and Credit is King!

The Star Wars Cantina of cybercriminals targeting your identity, healthcare, finances and privacy today might seem like a movie you’ve seen so many times you could lip sync the entire thing. Nevertheless, cybercrime and identity-related scams change faster than trending hashtags on Twitter, and the fact is nobody knows what’s going to happen next. Who would have thought Apple’s iCloud was vulnerable (much less to ransomware)? Or eBay? Data breaches are now the third certainty in life and sooner or later, you will become a victim. Knowledge is Power and Credit is King! Stay Focused and Pay A

Another Reason You MUST Communicate... You are not the only person in your life. Chances are you’re married or in a relationship, have friends or children, or all of the above. As a result, you’re not the only person being affected by your decision to live a more frugal lifestyle. To be effective in your goal of frugality, you need to be able to listen to and understand the goals and behaviors of the other people in your life, too. Consider how effective your frugality would be if you were taking packed lunches to work and avoiding the afternoon coffee run, while your partner was going on shopping sprees during their lunch break. Instead of living a more frugal lifestyle, you’d really be saving on one end and spending on the other.

What's a Balance Transfer and Why Should You Do One?

How does a balance transfer work? Once you’ve applied and have been accepted for a new credit card, you’ll want to initiate a balance transfer from your old card to the new one and make sure not to take that new card over 30%. * You can do this either online or by calling the new card’s issuer. ** Some cards, like Chase Slate, allow you to enter your balance transfer information from your old card on the application page so it will be initiated immediately should you be approved. To transfer your balance to a new card, you’ll need your old card’s number, the bank name and the amount you’d like to transfer. Make sure to verify that the transfer went through by checking both accounts either online or by calling. *** The balance transfer can take as long as seven days to complete, so it’s important to still make payments on your old card until the statement signifies the transfer has been made. This can assist with your Credit Scores INCREASING... Knowledge is Power and Credit is King!

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HOW TO BUILD YOUR CREDIT. When realizing that it may be time to rebuild ones credit may seem impossible, it's NOT!!! 1. Start by getting a copy of your credit report . 2. Keep the accounts in active status. Use the Credit Card at least once a month. Make sure you pay the minimum payments on time each month. 3. Get a secured credit card and use it as much as possible instead of your cash. Most banks will allow consumers to get a secured credit card by applying their own cash to it. 4. Become authorized by a family member. If you can find a family member that will trust you and put you on their account as an authorized user it will show on your credit history. 5. Get a department store credit card. Store cards are easier to receive, but usually have interest rates. This is a good way to establish credit just be careful that it's usage does not get out of hand. ~ Banco Capital Corp

Credit cards are a very useful type of credit tool, and when used wisely, they can help you build your credit. However, it’s important to manage credit card use, because credit cards can also be a route to debt if you misuse them. Here are four ways you can build credit with a credit card: Open your first credit card account. If you have already established some credit history, look for a card with a low spending limit, which may be easier to qualify for if your credit history is limited. Make small charges that you can easily pay off right away, and pay the balance in full every month. This will help build a profile on your credit report of responsible credit use and reliable payment. Get a secured credit card. If you have little credit history or negative history, it may be difficult to get a regular credit card. A secured credit card may be an option. Secured credit cards are usually tied to a savings account, and the limit on the card is typically the amount in the account or a percentage of it. Just as with a regular credit card, you build credit with a secured card by making responsible charges, keeping your balance low or at zero, and paying on time every month. Not all lenders report secured credit cards to the credit reporting companies, but the lender may be willing to convert the account to a traditional credit card after a certain period of time. You should ask these questions prior to deciding whether to open any account. Open a joint account or become an authorized user. If you’re having trouble getting your own credit card, another option for building credit is to become an authorized user on someone else’s account, or to open a joint account with someone who has a good credit history. Parents may choose to help a younger person with little credit history by adding him or her to the parents’ existing credit card accounts as an authorized user, or by opening a new card jointly.For joint accounts, you are responsible for repaying charges on the card, and so is the other account holder. If you don’t repay money borrowed on a joint account, the joint cardholder will have to, or you’ll both feel the credit impact of late or missed payments. Request a credit limit increase. After you have paid down your debt and decreased your utilization rate, or if your credit is already in good standing, you may consider asking for a credit limit increase from your credit card provider. Your credit utilization ratio is a comparison between the total amount of credit available to you versus the total amount you’re using, and it’s an important factor in your credit score. A credit utilization ratio of 30 percent or less is often considered good by lenders and others; the lower the ratio the better it is for your credit score. For example, if you have $1,000 of available credit, and only owe $200, your credit utilization ratio is 20 percent. Increasing your available credit can lower your credit utilization ratio and positively impact your credit score, as long as you’re careful not to charge up to your new limit. The lower your utilization rate is, the better your credit score will be. On the other hand, asking for a credit limit increase when you have high balances may not be the best approach, since it may be difficult to get a provider to agree to an increase and it could increase your risk for adding more debt if your spending is not managed properly. This in turn, would negatively impact your credit.

5 Easy Steps to Get Control of Your Finances About half the U.S. population doesn’t have enough money to cover a $400 emergency, according to a report from the Federal Reserve. If you’re among the 47% of cash-strapped Americans or your personal finances are otherwise pinched, now’s a good time to evaluate how to manage your money. Saving is important since it can prevent you from having to take out high-cost loans to cover expenses, which can damage your bank account further. Of course, it’s not always easy to pinpoint how to save money. One of the most important steps involves taking a good, hard look at the money you have coming in versus the money you have going out so that you can establish a solid budget — and stick to it. Here are five easy steps to help you get control of your personal finances. 1. Evaluate Your Income How much money do you have coming in? Including your paycheck is a given, but don’t forget other income: A second job, alimony, child support or any other miscellaneous cash that you might have coming in. Write it all down and add it up. 2. Calculate Your Expenses One of the most difficult steps in establishing a budget is determining how much money you’re spending — that is, how much money is going out. First, make a list of all your fixed expenses. This should include: Rent Mortgage payments Car payments Child care expenses Insurance Utilities Cable Other subscription services Next, include variable expenses such as food, gas, entertainment, etc. Don’t forget about miscellaneous and maintenance expenses like property taxes, car maintenance, tag renewals, birthday gifts, etc. Once you’ve added up your outgoing monthly expenses, subtract them from your income and that’ll tell you whether you’re spending more than you earn. You’ll also get a better idea of where you can cut back. 3. Trim The Fat Now that you’ve gotten the hard part out of the way, it’s time to look at where you can cut back. If you’re spending $60 a month at the local coffee shop for your daily double mocha lattes, consider only splurging once a week and switching to coffee at home. One way to easily determine areas where you may be able to cut costs is to evaluate which expenses are actual “needs” or “wants” or “nice-to-haves.” This can add a whole new perspective to your budgeting efforts and give you the extra push you need to cut the expenses that aren’t necessarily “needs.” Other ways to scale back on your overall spending and/or design a better budget include: Shopping around to see if you could secure a cheaper contract with your service providers, including your cable company or cell phone provider Calling existing service providers to see if you qualify for a lower rate or discount Looking into budgeting apps that can help you monitor your monthly spending and provide alerts if you’re spending more than you should overall or in specific categories Paying credit card bills more than once a month to prevent balances from climbing too high Considering a balance-transfer credit card that offers a 0% introductory annual percentage rate to minimize the costs associated with any high-interest credit card debt you’re carrying. (Note: Most balance transfers will cost a fee, usually around 2% to 3%.) 4. Pay Yourself In today’s economic environment, it’s more important than ever to have a financial cushion for emergencies. Don’t forget to leave room to pay yourself. Setting aside enough money for savings or an emergency fund can make all the difference in the world when you’re blindsided with an unexpected job loss or financial emergency. Ideally, you should aim to have at least three to six months’ salary in your emergency fund, but even having $1,000 as a backup is better than no backup at all. If you’re struggling and can only afford a little each week, setting aside even $10 a week is better than nothing. 5. Stick to It So you’ve established a solid budget and have a great plan in place — but how do you stick to it? It’ll take some dedication on your part, but the reward is well worth the effort. If you have a spouse, work together to hold each other accountable for any spending oversights. If one of you overspends, set rules that the guilty party has to contribute more to that month’s savings fund — a sort of quarter-jar method with a twist. It’s much easier to do when you’re working at it together and you can make it more of a competition to keep it interesting. If you’re single, consider creating a support group among your friends with a monetary reward for reaching your budgeting goals. Whether it’s a vacation fund or a night on the town, the extra incentive will help keep your eyes focused on the goal and make it fun in the process. Monitor Your Credit Keep in mind, too, that having a good credit score can also be instrumental when it comes to controlling your finances, since it ensures, should you need financing for an emergency, that you can qualify for the lowest interest rates. You can pull your credit report for free each year at AnnualCreditReport.com andview two of your credit scores, updated every 14 days, at Credit.com. If your credit looks shoddy, you can try polishing it by disputing credit report errors and/or establishing a good payment history with a new line of starter credit, like a secured credit card or credit-builder loan. You can also work to pay down existing high debts.

Ways to Wreak Your Credit Scores... 1. Do not settle past due debts to pay less than you owe. 2. Recent information is more important than past mistakes. 3. Do not close old credit cards because creditors like to see a lot of available credit. 4. Pay off your mortgage earlier than the 20/30 years. 5. Do not avoid credit altogether. *** The ideal number of credit lines open is between 6 and 21. *** Knowledge is Power and Credit is King! Call 18004421591 to Start Gaining Financial Stability with Intelligence and Integrity! We are ONE of the best in the business.

What's Credit Restoration?? Credit restoration is a collective term for various strategies designed to repair or restore a damaged credit rating. The origin of the credit issue usually determines the strategy or group of strategies utilized to initiate the process of correcting or updating credit reports, raising a FICO score and in general restoring good credit. This process of restoration can be handled by the individual consumer, or implemented by agencies that specialize in restoring credit worthiness. There are three basic sets of circumstances where credit restoration may be utilized. The first and most common scenario has to do with the destruction of a credit score due to choices made by the consumer. This would include situations where the debtor willingly refused to make payments on time, defaulting on loans, mortgage agreements, and other debt obligations. Since the consumer directly caused the damage, restoration of a credit score under these circumstances can take a great deal of time and effort. For More Helpful Tips. Give Us A Call At 1-800-422-1591 or Email Us At www.bancocapitalservices.org

How Do You Rate? Most credit scores – including the FICO score, operate within the range of 301 to 850. Within that range, there are different categories, from bad to excellent. Excellent Credit: 781 – 850 Good Credit: 661-780 Fair Credit: 601-660 Poor Credit: 501-600 Bad Credit: below 500 But even these aren’t set in stone. That’s because lenders all have their own definitions of what is a good credit score. One lender that is looking to approve more borrowers might approve applicants with credit scores of 680 or higher. Another might be more selective and only approve those with scores of 750 or higher. Or both lenders might offer credit to anyone with a score of at least 650, but charge consumers with scores below 700 a higher interest rate!

How Long Does Credit Repair Take?

Getting negative, inaccurate information off of your credit reports is one of the fastest ways to see an improvement in your scores. Since credit bureaus have to respond and resolve a dispute within 30 days (there are a few exceptions that may extend this to 45 days), it’s a short timeline that can help consumers who want to buy a house, get a new car or open up a new credit card soon and don’t have the time to wait to build good credit in other ways. But that doesn’t mean a credit restoration company can tell you exactly when your credit score will improve since some consumers’ credit issues are much more complex than others. “Since every case and credit report is unique, no professional firm can ethically predict an exact outcome for your Credit Scores, especially without first seeing the credit reports." ~Janell Jones Travis; Founder of BCC "Our clients see RESULTS directly from the Credit Bureaus within 14 business days." ~Janell; Credit Specialist/Expert of Banco Capital Corporation “When picking a credit repair company to fix your bad credit, don’t ask about the future, but instead ask about what real clients have seen in the past and if the items return.” ~Janell Jones-Travis; BCC President/CEO

Credit Repair Methods

RED FLAG #1:: Never select a credit rating restore enterprise or credit rating legal professionals who advocate you to get a whole new Social Security number so as to obtain a clear, new credit report. This approach is named file segregation this is also against the law. RED FLAG #2:: Steer clear of business who aim to repair your credit ranking by disputing everything marked in your credit score. However we now have the authority to contest suspect inforamtion as specified by the Good Credit Scoring React, only information that is erroneous, unverifable, unreliable, imprecise and sporadic could disputed. This providion srtives to set the liberties with the individuals at bay to make sure they veer far from profitinf from th e computer. Credit score business who advocate asking everything certaining are not aware of nearly anything with regards to the procedure and in that way only provide their true objectives. RED FLAG #3:: Will not hirethe expertise of credit restoration company that wants masive in advance expeneses. Most counterfeit business perform by taking out as much cash advance you together with then vanishing when people start making distrustful and initate protesting and complaining with regards to program or absence of it. Credit score improvement businesses also aid men and women filter their credit report of erroneous sale listing by way of comflicts. The good Credit Scoring React grants men and women the authority to check their credit report and contest any itemizing that is unverfiable or imprecise. Credit reporting agencies need to take away information pusblished they are not to validate in jst a couple of weeks soon after a study has been.

How Do I Improve My Credit Age?

* Add a Seasoned Tradeline. Call 18004421591 for information pertaining to the oldest one we have. * Having a 10 or 20 year-old account will help your credit score. The more newer accounts you have, the lower your average credit age will be. If you're focusing on improving your credit age, try to minimize the number of new accounts you open, as they bring down your average. Opening new accounts also results in a hard inquiry on your credit report, which will slightly hurt your credit score in the short term. As it is with all aspects of your credit score, you need to exercise patience as you work to develop a long credit history — after all, you can't do anything but wait for an account to get older. You could benefit from being an authorized user on an older account, because account history is reported based on the age of the account, not when you're added to it. * For example, if as a teenager your parents added you as an authorized user on one of their oldest credit cards, you could have a credit history that goes back before you were born. You can add your kids at 13 years old.* While you're waiting for the average age of your credit accounts to rise, focus on making loan payments on time and keeping your debt levels low, because those behaviors have the greatest impact on your credit score. Knowledge is Power and Credit is King! Gaining Financial Stability with Intelligence and Integrity!

What Makes Up Your Credit Score?

Your FICO© Score is calculated from several types of data in your credit report. This data is grouped into five categories, weighted in terms of importance. There are numerous actions you can take to positively influence your credit score in each of these areas. 1.Payment History (35%) Thirty-five percent of your credit score is made up by your payment history, which includes late payments, collections and even bankruptcies and tax liens. Each type of account stays on your credit report a specific amount of time, and each negative item can hurt your score differently. Credit Management Specialists works to remove accounts that are not 100% accurate or 100% verifiable. Our removal rate of inaccurate items is 70%. 2.Debt Ratio (30%) Your debt ratio is the amount of revolving credit (e.g., credit cards) that you owe in relation to the amount of credit you have available (your credit limit). For instance, if your current balance is $2,000 and your credit limit is $10,000, your debt ratio would be 20%. A history that includes several cards showing small monthly balances is generally more favorable than a single card that’s maxed out every month. 3.Length of Credit History (15%) The length of time you’ve had credit (longer is better) is important. At face value, this factor seems like something you can’t do anything to fix. However, there are several ways you might hurt yourself. If you close out your older cards—even if they have higher interest rates—you’ll hurt your score. The credit scoring model has no memory of credit cards you close: If you close out that 15-year-old card, you’ve shortened your credit history. 4.Types of Credit Used (10%) Types of credit include revolving credit (credit cards, retail accounts), installment loans and mortgages. By keeping different kinds of credit open, you show creditors that you are responsible and able to handle different types of financial obligations. 5.Inquiries (10%) Inquiries are recorded on your credit report whenever you ask for new credit (e.g., when you apply for a home loan or a new credit card). In general, a lower number of inquiries is better—especially if you’re opening an account only to get a free gift or a good deal on a purchase and you don’t intend to use the account. Inquiries you make and unsolicited offers do not count against your score, but they do show up on your report. When searching for a home, you are allowed unlimited inquiries over a one-month period because it’s assumed you are rate shopping.

Ways to Improve Your Credit Score

Most consumers understand that missed payments will appear on their credit reports and cause their credit scores to go down as a result. Generally, you should be in good shape if you: •Pay your debts on time •Don’t carry too much debt on any one credit card •Don't close older unused accounts unless absolutely necessary •Apply for new credit only when you need it But to improve your credit score, you need to take additional steps long term. These suggestions serve as a starting point: 1. Monitor your credit reports on a regular basis. 2. Dispute inaccuracies and outdated items on your reports. 3. Maintain low balances (compared to credit limits) on your credit card accounts. 4.Sustain the length of your credit history. 5.Keep different types of credit open if it makes financial sense for your situation. 6.Apply for new credit only when you need it. BANCO Capital Corporation Specialists can help you complete these tasks. We assist you with credit repair solutions to clean up your credit report today and provide financial education and guidance to help you build a stronger credit history for your future. Call 1-800-442-1591; http://www.bancoservices.org

Lowering Your Risk

Once you start thinking about house hunting, you’ll want to check your credit reports and credit scores, since negative entries on your credit reports may hurt your chances of getting approved for a mortgage. Inaccuracies on credit reports are more common than you may think, which is why it’s a good idea to review your reports as often as you can. (Everyone is entitled to free annual copies of their credit reports from each of the three major credit reporting agencies.) Checking your credit scores is easy and helpful, too. There are plenty of free tools available to assess your credit risk, like Credit.com’s Credit Report Card. If you see a score lower than you’d like, it’s an indication you need to change some of your credit behaviors. That could mean reducing your debt load, making your bill payments on time or restricting how often you apply for new credit. The Credit Report Card breaks down the five factors that determine your credit score and allows you to see which areas require your attention. Whenever you’re checking credit scores, make sure you’re comparing the same model from month to month (or however often you can check them), because there are scores of different models, and you can only accurately gauge changes by periodically looking at the same score. Call 1-800-442-1591; http://www.bancoservices.org

What Happens If I Swipe My Debit Card as 'Credit'?

Issuers used to charge merchants different fees for accepting credit cards than for accepting debit card transactions with a PIN. Before the Dodd-Frank Wall Street Reform and Consumer Protection Act was passed, Sen. Dick Durbin added a provision, now called the Durbin Amendment, that restricted interchange fees to 12 cents per transaction. By the time the bill was signed into law, the cap was set at 21 cents, much lower than the previous average of 45 cents per transaction. (On Jan. 20, the Supreme Court declined to hear retailers' challenge to that 21-cent cap.) With the cap on interchange fees, banks saw their revenue source for things like debit card rewards and free banking dry up, which is why you're unlikely to find those things these days. "There's several thousand community banks and credit unions, what the act refers to as unregulated, who can actually charge greater interchange on transactions," said Nick Barnes senior vice president of retail banking at ACI Worldwide, a payments system company. The Durbin Amendment only impacted financial service providers with $10 billion or more in assets. "That's why you go to these tiny banks you'll still see free banking and debit rewards."

A few years ago, mentioning the words "credit repair" conjured up images of shady characters in dark alleyways, demanding huge amounts of cash to create "new" credit profiles and the like. But nowadays it is almost a necessity to partner with a reputable credit restoration firm that is experienced in improving your clients' credit scores so that they can be approved for a loan at a decent interest rate. As a seasoned credit repair marketing expert I've seen my fair share from the credit repair giants to basement operations. Banco Capital Corporation has based their business around partnering with finance professionals like loan officers and mortgage brokers, creating a team that helps clients go from "unloanable" to "approved" in a matter of months.This not only helps the client, it helps the financial professional to close more loans by allowing them to continue to take the borrower's credit scores and see when their score has improved to the point that they qualify for their loan. We also pay a referral fee for every sign up . Many of the professionals that refer clients to B.C.C. use the extra money for holiday spending, vacations and paying off bills. How do you get started? simply call toll-free at 1-800.442.1591 - I'll be happy to help and get you started with an amazing company.

What's the Differences? Experian vs Everybody Else...

There are a few differences in the way Experian reports data versus the way the other two agencies report data. For example, people who pay their rent on time will have the payments reflected on their Experian credit report. But with the other two credit bureaus, these payments won’t be on their reports. The only data regarding rent payments that will show up is negative rent data, which is data that reflects missed rent payments. Of course, the property management company has to report the rent data for it to show up on any of them. If you signed a lease with an obligation to make monthly payments for a specified period of time, then it will most likely show up on Experian. Experian credit reports also contain details about each transferred or closed account that you’ve had. These details include the month and year that these accounts will be taken off the credit report. In other credit reports, the only date listed for closed accounts is the last reported status date on the account. To figure out when the closed account gets taken off the credit report, you need to add 10 years to its last reported status date. Experian saves you the trouble of having to add 10 years to figure this out.

Whats's the Differences? TransUnion vs Everybody Else...

Trans Union provides credit reports that offer more details about employment than any other credit bureau’s credit report. The other two credit reports will just list the name of the applicant’s employer and nothing else. The TransUnion credit report will contain their employer’s name, position currently held and date they were hired. This information is important because it shows lenders how long the applicant has been with their current employer. If you were to try and obtain a mortgage to purchase a house, the mortgage company is going to check the TransUnion credit report to see if you’ve worked at the same company for at least two years. They won’t get this information from Equifax or Experian credit reports because the date you were hired is not on those.

What's the Differences? Equifax vs Everybody Else...

An Equifax credit report lists closed and open accounts separately from each other. As for the other two credit reporting agencies, they put all of the accounts together in alphabetical order. People who are unsure of their financial situation will want to have an Equifax credit report, so they can clearly see which accounts are open and which accounts are closed. This will help them determine their total debt by examining all of the open accounts together. The details of closed accounts can also be seen, such as why the account was closed in the first place. This helps lenders understand the outcome of the applicant’s past loans and debt obligations.

A genuine leader is not a searcher for consensus but a molder of a consensus. ~Martin Luther King, Jr.

11 Useless Things To Stop Wasting Your Money on in 2019

ATM Fees It'll cost you a record high of $6.57 to withdraw money from an out-of-network ATM. There's no reason to continue paying these fees, which can add up significantly over time. A simple 2019 resolution: If your bank's logo isn't on the ATM, don't use it. If you use one of the traditional, bigger banks, there should be ATM options in your area. Simply look up the locations online and put in the extra effort to get to one of your bank's ATMs. If there aren't any convenient ATM options in your city or town, you may want to consider opening a checking account with a more accessible bank. Knowledge is Power and Credit is King! Call 1.800.442.1591 - Gaining Financial Stability with Intelligence and Integrity!