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WHEN TO APPLY FOR CREDIT

WHEN TO APPLY FOR CREDIT   WHEN SHOULD YOU APPLY FOR A CREDIT CARD? If you are just starting out or rebuilding your credit, you will need a credit card. the trouble is how do you get approved for a credit card without a good credit score. The answer is a secured card. Secured cards […]

GOOD WILL REQUEST

GOOD WILL REQUEST WHAT CAN YOU DO IF YOU HAVE A BLEMISH ON AN ACCOUNT?WRITE A GOOD WILL REQUESTAnyone can make a mistake. Let’s say you have a credit card that you have had for a few years and there is only one late payment in its entire history. In this case you can write […]

HOME AND AUTO INSURANCE

HOME AND AUTO INSURANCE   RE-AGING BLEMISHED OPEN ACCOUNTS A lot of people don’t know that your insurance company uses credit-based scores to determine how much you pay for insurance. WHAT KIND OF INFORMATION GOES IN TO MY CREDIT-BASED INSURANCE SCORES? There are several different companies that create credit-based insurance score reports for insurers to […]

RE-AGING OLD ACCOUNTS

RE-AGING OLD ACCOUNTS RE-AGING BLEMISHED OPEN ACCOUNTSHere is what to do if you have had some delinquencies on a credit card account, but have been paying on it regularly for at least three months Ask your creditor to re-age your account to improve your credit score. This method is the process by which your creditor […]

PHONE/ONLINE DISPUTES

PHONE/ONLINE DISPUTES WHY YOU SHOULD NEVER DISPUTE OVER THE PHONE OR ONLINE.Many people are curious about speeding up the credit repair dispute process. They may even be tempted to dispute negative or incorrect items using the seemingly convenient method of disputing over the phone or online. The advice we offer is don’t do it. Any […]

MAKING MULTI-PAYMENTS

MAKING MULTI-PAYMENTS MULTI-PAYMENT TIPWe all know there is a date each month when your payment is due. But did you know that there is also a date when your statement is generated and often this is the same date when your credit card company reports the details of your account to the credit bureaus? Details […]

SHOPPING FOR RATES

SHOPPING FOR RATES   Thinking of buying a new car or mortgage for a home?   Do your rate shopping for a loan within a focused period of time. Credit Scores distinguish between a search for a single loan and a search for many new credit lines, in part by the length of time over […]

CREDIT UTILIZATION

CREDIT UTILIZATION   Utilization makes up 30% of your credit score. So to improve your utilization % you can pay down your balance to be 5 or 10% of your credit limit for each revolving credit account. PAY DOWN YOUR DEBT Make a list of all your accounts including the balance, interest rate, and credit […]

IMPROVING YOUR CREDIT

IMPROVING YOUR CREDIT   So far, we have covered what your credit score is, where to get your score, and how scores are calculated…. You are probably wondering how you can improve your credit score? FIRST, IDENTIFY AND REMOVE INACCURATE INFORMATION FROM YOUR CREDIT REPORT You should inspect your report for any of the following: […]