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!