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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

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.

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

3 Important Things You Can Do Right Now

1.Check Your Credit Report – Credit score repair begins with your credit report. If you haven't already, request a free copy of your credit report and check it for errors. Your credit report contains the data used to calculate your score and it may contain errors. In particular, check to make sure that there are no late payments incorrectly listed for any of your accounts and that the amounts owed for each of your open accounts is correct. If you find errors on any of your reports, dispute them with the credit bureau and reporting agency. Read more about Disputing Errors on Your Credit Report 2.Setup Payment Reminders – Making your credit payments on time is one of the biggest contributing factors to your credit score. Some banks offer payment reminders through their online banking portals that can send you an email or text message reminding you when a payment is due. You could also consider enrolling in automatic payments through your credit card and loan providers to have payments automatically debited from your bank account, but this only makes the minimum payment on your credit cards and does not help instill a sense of money management. 3.Reduce the Amount of Debt You Owe – This is easier said than done, but reducing the amount that you owe is going to be a far more satisfying achievement than improving your credit score. The first thing you need to do is stop using your credit cards. Use your credit report to make a list of all of your accounts and then go online or check recent statements to determine how much you owe on each account and what interest rate they are charging you. Come up with a payment plan that puts most of your available budget for debt payments towards the highest interest cards first, while maintaining minimum payments on your other accounts. 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 Are Your CREDIT SCORES?

A credit score of 680 has been devalued in favor of scores of 720 or more. Scores range from 350 to 850 and the average is 698. A score of 619 is considered subprime and a score of 770 or more is considered top tier. Each lender however has their own "break point" between tiers because the tier system of credit scores can be fickle. Call 18004421591 to start Gaining Financial Stability with Intelligence and Integrity! We are ONE of the best in the business!

Ways You're Accidentally Wrecking Your Credit

One of the Ways is Not Monitoring Your Credit Scores One of the best ways to know if you are hurting your credit is by monitoring your credit scores. Credit scores change on at least a monthly basis, but typically stay within a tight range. A significant drop in your scores, say more than 25 or 30 points, is an indication that something is wrong. You won't know about the drop, however, unless you are paying attention to your credit scores on a regular basis. A significant drop in your score could be an indication that your credit utilization ratio is getting too high. It can also indicate an unsuspected late payment. Errors are also possible when it comes to credit. And at the extreme, a big drop in your credit score could be an indication that you are the victim of identity theft. You won't know any of these unless you are monitoring your credit scores on a regular basis. Unfortunately, ignorance is not bliss when it comes to your credit. You shouldn't obsess about it, but at the same time, you should never be too casual about it, either. Bad things can happen when you're not paying attention. 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

WHATS 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. 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!

WAYS TO AVOID OVER SPENDING...

Another option is to learn to live within your means. Forget about getting a new credit card or a high-interest car loan for a few years, which will allow some of your negative credit information to cycle out of the reporting system. * Save money from your wages to make major purchases. Resist the temptation to purchase big-ticket items from rent-to-own establishments with easier credit arrangements. ** Only use cash or debit cards for everyday needs such as groceries or gas. For some people, spending on credit can become very addictive. If you do happen to have a few credit cards despite your poor credit history, keep them out of sight and out of mind. We offer Budget Planning Services. Call 18004421591 to start Gaining Financial Stability with Intelligence and Integrity! We are ONE of the best in the business.

Credit Advice - Use your credit cards lightly...

Racking up big balances can hurt your scores, regardless of whether you pay your bills in full each month. What's typically reported to the credit bureaus, and thus calculated into your scores, are the balances reported on your last statements. You often can increase your scores by limiting your charges to 30% or less of a card's limit; 10% is even better. If you're having trouble keeping track, you can set up email or text alerts with your credit card companies to let you know when you're approaching a limit you've set. If you regularly use more than half your limit on a card, consider using other cards to ease the load or try making a payment before the statement closing date to reduce the balance that's reported to the bureaus. Just be sure to make a second payment between the closing date and the due date, so you don't get reported as late. Knowledge is Power and Credit is King! Call 1800442591 to start Gaining Financial Stability with Intelligence and Integrity! We are ONE of the best in the business.

Our process is simple

1. Sign up with https://www.identityiq.com/creditpreferred.aspx… 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!

7 Tips to Bounce back from a Credit Score Disaster

1. Review your budget 2. Get a copy of your credit report 3. Contact your lenders 4. Pay your bills on time 5. Stay on your job 6. Use your credit wisely 7. Beware of scam artist - Gaining Financial Stability with Intelligence and Integrity! We are ONE of the best in the business!

Tips for Managing Credit Cards

Figure out what type of credit card is best for you Contrary to popular belief, there is no singular best credit card in the marketplace. Instead, the best product varies from person to person. For instance, if you need to make a big purchase, you should look for a low-interest credit card. On the other hand, if you pay your balances off in full every month, you'll want to look into a rewards card. Knowledge is Power and Credit is King! Call 18004421591 to start Gaining Financial Stability with Intelligence and Integrity!

What does the Credit Scoring Models Mean To You? While there are many different scoring models, the same principles for improving your credit score apply across the board. What is far more important than the number itself is understanding what you need to do to make that number better. The scores may be different, but risk factors tend to be very consistent from one credit score to the next. Credit Scores and Credit improvement will boil down to three key steps; 1. Pay all your bills on time, because payment history makes up 35 percent of your FICO score. 2. Keep revolving balances low, ideally to 30 percent or less of your available credit, and 3. Open new credit when you need it. You don't need a lot of different accounts, so don’t be tempted by those credit offers that you get in the mail or when you go to a store. Credit is King and Knowledge is Power. Call 18004421591 to start Gaining Financial Stability with Intelligence and Integrity! We are ONE of the best in the business.