Get a handle on credit debt!
Its time to take your credit back
Why Repair Credit?
Know your score and taking action
Know your score and taking action
Your credit score is a result of your credit report; it is your spending and repayment report card and history. Credit reports often aren’t correct, and incorrect information can hurt your score. Poor credit scores effect everything from payments for a new car, credit cards, personal loans and
your mortgage. Bad credit will literally cost you thousands more throughout your lifetime! Checking your credit score and making sure it is accurate is the first thing to do! Here are a few websites we found for a free credit score: www.Wallethub.com/ www.Lendingtree.com/
Know your score and taking action
Know your score and taking action
Know your score and taking action
Every situation is different but now you know where your at, we will help you on the steps to improve it. Improving your score will take time but remember to be patient! If you've found inconsistencies or an inaccurate report you'll need to take action. Sending a dispute to the three credit reporting bureaus comes first. You can file disputes with all three credit bureaus through their individual websites. Or if your uncomfortable doing it yourself you can hire a company to do it for you as well. A few reputable companies to do so are www.Creditrepair.com/ www.Lexingtonlaw.com
Putting it all on the Table
Know your score and taking action
Putting it all on the Table
Once you've identified the discrepancies its time to lay your cards on the table literally. Knowing exactly how much you owe and putting it down on paper is important to fixing the problem. If you cant afford to make the payments anymore don't fear you do have options. The best article explaining this are ://www.creditcards.com/credit-card-news/what-to-say-when-you-cant-pay-1267/
Once you know your options you'll be one step closer to resolving the issues!
we all accumulate debT
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TOP 5 QUESTIONS REGARDING CREDIT CARDS
- 1. If I canceled a credit card can I later reapply for the same one that I had? The answer is yes you absolutely can reapply for the same card
- 2. Does paying my cards all on time improve my credit score? The answer is yes, but remember to really effect your score you need to keep your credit card balances under 30%.
- 3. When moving credit debt from a high interest card to a 0% credit offer should my credit score average before applying? 700 to mid 700's are necessary to receive a good offer, the higher the score the higher the credit limit.
- 4. Can you apply for more than one credit card in a day? The answer is yes, but doing this can negatively effect your credit status and offers in doing so.
- 5. Does a pre approved letter mean your already approved for that credit offer? Not always, you will still need to apply to be approved. In which you still could possibly be denied or approved.
Tackling Debt is in your control and were here to guide you!
Five things to do now to improve your score
Reduce Unnecessary Spending Habits
Reduce Unnecessary Spending Habits
Reduce Unnecessary Spending Habits
Taking an account of your monthly spending and reducing half of unnecessary purchases. Starting this will build a reluctance to making those purchases in the future! Once you become accustomed to these habits you'll develop an awareness and accountability.
Make on Time Payments
Reduce Unnecessary Spending Habits
Reduce Unnecessary Spending Habits
This may sound like an easy task, but making online payments with a busy schedule can be challenging. Utilize your smart devices or go old school and buy a planner to insure you can remember. Even better if you feel more comfortable set up automated payments for at least the minimum amount due
Shop Around On Fixed Expenses
Reduce Unnecessary Spending Habits
Shop Around On Fixed Expenses
Knowing what your fixed monthly expenses are and shopping around to lower them. According to multiple articles we Americans are overpaying 350 dollars more for car insurance a year just on average! Check out this insurance comparison site www.Gabi.com to lower your rate and free up some extra cash fast.
Every Extra Dollar Counts
Only Apply for Credit Card When It's Completely Necessary
Shop Around On Fixed Expenses
Making payments on time and more than the minimum due is crucial towards your success. Every extra payment and over payment though will get you faster towards your goals. Try to find a side hustle and contribute towards your monthly cash flow. If your lacking creative ideas www.FinanceBuzz.com will give you some inspiration. Were all humans and all make mistakes just learn from them and keep moving forward!
Only Apply for Credit Card When It's Completely Necessary
Only Apply for Credit Card When It's Completely Necessary
Only Apply for Credit Card When It's Completely Necessary
Controlling your urge to resist additional credit will help you focus on paying them off. As your paying down your balances your credit scores will increase. The top three contributors to a negative credit scores are higher balances on existing credit accounts. As long as you are in the position to making more than the minimum payments stay doing so.
Give your credit a Boost in$tantly with WWW.Experian.com
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We know that untangling your credit can be both stressful and confusing. Send us a message today, and we can get you started on a path to financial confidence.
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