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.

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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...