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Credit Tools You Can Use!...... Throughout this site you will find various tools you can use while working on your credit portfolio. Many companies offer similar products and services, however the companies listed within this web site are the ones that I have had personal experience with, and have proven themselves to provide great services and products, and excellent customer satisfaction! |
Identity Theft ...that means your credit as well!..... Identity theft is running rampant in this country! Not only are there monetary issues involved, there is the massive inconvenience of replacing drivers license, social security cards, and credit cards. The time lost and frustration is nuisance enough! When your identity is used to make large purchases such as automobiles or homes, even for committing crimes, it can be absolutely devastating! Protect yourself! |
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Monitor Your Credit Inquiries and Entries ... With computer technology what it is today, you and I can monitor our credit files and receive emails any time our credit is altered or changed, or any time that any one applies for credit using your information. The full credit report is available along WITH our credit scores for a low monthly fee, usually right around $15.00. Any time this service is used to view credit it is considered a 'soft inquiry' and is not listed on your credit file as an inquiry. Regular inquiries regarding applications for credit or a company inquiring on your credit can result in lowering of your scores! |
Self Credit Repair VS Professional Credit Repair... Many individuals can handle the tasks involved in repairing their credit themselves, no problem. Others may have more delicate legal situations or items that require a professional to handle, or just simply do not have the time or patience to handle the situations themselves, this is when professional help can come in. When you elect to use a company to help you dispute the negative items, be sure to take the time to check them out, we have a few suggestions listed here, if you have had good experiences with other companies let us know! We like to keep good sources for our clients that come highly recommended by people who actually know! Advertising is fluff and puff! We want the real deal! |
MOST PEOPLE HAVE NO IDEA TO WHAT EXTENT
CREDIT CAN ALTER YOUR LIFE!
Don't be left in the Dark!
Credit Reporting, and scores are extremely misunderstood and misused, . The entire country is facing the fall out of misuse of credit. Educating yourself is the first step to stay on track, or get back on track. The main issue most individuals have is that they are unfamiliar with how the credit world works, and they overextend themselves, creating a windfall of disaster.
The first step in understanding credit it to understand that your credit is your resume to the world of finances. Your credit file contents affects such decisions as:
- The payment amount on your automobiles.
- The payment amount on your home.
- The amount of your insurance payments.
- The interest rates on your credit cards.
- Whether you are even approved to receive any of the above to begin with!
It all starts and ends with your credit file! One of the best things about credit is that it is never too late, and no matter how horrible you may think your situation is, you can always repair the damage, and depending on the extent of the damage, you can complete the repair in as little as 1-2 months, or take as long as 3 years. The extent of the damage and the weight of your positive credit will determine the length of time it takes!
If you have incorrect negative entries on your credit file, you can repair your credit for the cost of a few stamps and paper, or you can pay a professional to take care of it for you! Depending again on the extent of your negative credit, and on your personal desire and 'knack' for the whole paperwork, organization discipline, you will have to decide which is best for you. It is a simple process, however it is a process, it requires you to follow through in a timely manner and submit the proper information requested of you. If you follow through, the results will speak for themselves, if you don't, well..........the results will tell that story, as well.
If you do not have a copy of your credit report at this point, you have 2 choices available here to get that on your screen in a matter of minutes:
- If you will be keeping up with your credit and would like to be notified via e-mail with any changes made to your report, or if you would like your score and full report available to you at any time, including notification of inquiries on your credit via the internet, click here to get to the 'Monitoring Your Report' page. I absolutely love this service, to get your credit report and scores from all three bureaus is right around $30.00 each time you request them. To have the complete service at your finger tips at all times, it takes about 10 minutes to set up and the cost is right around $15.00 per month to have access at your finger tips.
- If you don't have access to a computer or just do not elect to sign up for the monitoring system, you can receive your credit report (without score) for free, one time per year, just click here!
Normally when your credit file is requested by an outside source the system assumes that you are applying to gain a credit line, whether it be a home, automobile, or credit card. Many inquiries in a short period of time (usually 2 years) can lower your credit score. Having a friend that has access to these systems request your credit can lower your score, however when you pull your credit through the monitoring system or the free site available here, it is considered a soft inquiry, and will not affect your score at all!