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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!