We all know how to get excited and celebrate, essentially “Turn up.” I am suggesting we turn down and build up a positive credit history with the money we save on overpriced drinks. As of January 2014, current data asserts that Americans are $856.9 billion in debt via credit cards alone. This translates to some pretty low credit scores and credit reports with a lot of negative information. Many federal regulations exist to protect the American public from errors on their credit report. However, most Americans are unaware of the laws thereby allowing the credit reporting agencies (CRAs) to have control over their credit history and their financial future. We encourage everyone to take control of their finances by using the law and being proactive.
What can Americans do to improve their financial standing? Who has the time? At the Better Credit Boutique, we put in the time and help our clients improve their credit. Using Federal laws such as the Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA), Consumer Credit Protection Act, Credit Card Act, Fair Debt Collection Practices Act (FDCPA) as well as our tried and proven effective methods we can improve the credit scores of our clients.
Does this cost a lot of money? Our services are currently value priced from $299-$2499. We differ from our competitors in that instead of charging a few thousand upfront as well as a percentage price and/or a monthly rate we have a FLAT FEE for service. Our pricing model is geared toward people with marginal incomes. Our ultimate goal is to help repair credit for those looking to become first time home buyers, real estate investors and entrepreneurs.
Turn Down and Get Your Credit Right!
ms750fico, CERTIFIED FICO PRO
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Text your credit questions to 646-894-7796
Schedule your FREE consultation at 866-241-3049
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Better Credit is in Your Reach.
Do you have bad credit? Have you been paying your bills late or not at all? Are you behind on your car payments, student loans or mortgage? How good is your credit right now?
In order to find out, you have to get your credit report from a credible source (we recommend annualcreditreport.com). You have to see which accounts are reporting negatively about you before you can fix your credit.
Your next move is to dispute the negative accounts. @bettercreditboutique we used tried and true methods learned by Certified FICO Pro and Educator @ms750fico to remove bad credit.
MOST IMPORTANTLY start paying all of your good credit accounts on time.
FINALLY open new lines of credit. Having a good mix of different types of credit improves your credit scores. Start by opening a secured loan at your local bank.
Want your credit score to go from a 450 to a 700? It is possible! For more information on turning bad credit into good credit contact @ms750fico via text 646-894-7796 or email her at email@example.com or visit ms750fico.com or call 866-241-3049
JOIN US AS WE PARTNER WITH PROJECT WEALTH BUILDERS SUNDAY AFTERNOONS IN JUNE IN BROOKLYN.
First stop Brownsville June 1st, 2014 3-5pm
330 Dumont Ave Apt 11C
Brooklyn, NY 11212
Visit http://ms750fico.eventbrite.com for more details
Yours in Success,
Certified FICO PRO, MA
@Ms750FICO, Certified FICO Pro
Do you want to be a homeowner? How about a business owner? Looking to finance a car? Good credit is key! If you want to be do GREAT things you have to have good credit. Why? Because you get to spend other peoples’ money. You down with OPM? In America Credit Rules Everything Around Us. That’s just the way it is. We could have a macroeconomics discussion about it but thats unnecessary. Just know, your credit score needs to be above 700, with a utilization rate below 30% (pay down those credit cards) and have no negative accounts if you intend to be GREAT in America. Just be smart with your use of credit.
Not the biggest reality TV fan but Yandy Smith made a good point when she said:
“Regardless of what road you take to becoming successful, whether it’s climbing the corporate ladder or entrepreneurship, credit will be a deciding factor in how fast you get there. So be smart, resist those urges to overspend, live within your means … Request all three ofyour credit reports from TransUnion, Experian, and Equifax, review them often, work on fixing negative information, pay bills on time and treat your credit like your prize possession. If you invest in building a strong foundation you will be able to reap the benefits for years to come. Being fly is nice, but if you want to be a true hustlepreneur, make sure you get your credit right too!”
At the Better credit Boutique whatever your American Dream is, we make it affordable. @ms750Fico analyzes your credit files personally. Using federal laws and proven effective methods we get negative, inaccurate and unverifiable information removed from credit reports. text us with your credit questions 6468947796, firstname.lastname@example.org and visit the website ms750fico.com.
@MS750FICO, FICO Pro
Credit is your ability to make payments over time. Banks want to see how you have dealt with borrowed money and payments in the past. Instead of taking your word, they pull your credit report. Your credit report should show your borrowing history completely and accurately. Lenders get your credit report from one or all three of the Big 3 credit reporting agencies (CRAs for short). Equifax, TransUnion and Experian are the Big 3 CRAs.
Having no credit is just as bad (and sometimes worst) than having bad credit (or a s lenders call it, a poor credit history). No credit or a thin credit file shows the lender that you have little or no experience with repaying debts. You may have been paying rent for years, light bill, gas bill and cellphone too. However, these accounts do not appear on your credit report UNLESS you fall behind (become delinquent) and the account goes to collections (gets sold or transferred as a bad/outstanding debt). You can request that the CRAs report the payment history of these accounts. The accounts that appear on your credit report are car loans, mortgages, accounts in collections, judgments, liens, credit cards (secured and unsecured) and loans (secured and unsecured), .
Secured credit cards and loans are a great way to build your credit history. If you have no credit, limited credit history or want to raise your credit score try this..
Go to any bank or credit union with a few hundred dollars in cash. Tell the banker you want to open a secured loan or credit card and you have $500 or $1000 (you can open these accounts with as little as $100 at some banks). The banks will take your cash money and put it in an interest bearing CD (certificate of deposit). Then they will give you a credit card (or check in the case of a secured loan) with a limit of the exact amount you gave them.
Secured credit cards and loans are reported to the Big 3 CRAs. Do not take that secured credit card and max it out. If the limit is $300 then divide by 3 and stay below that $100 amount. That $100 is your new limit. And make your payments on time! Now for secured loans, once the bank gives you that check, deposit it into your account and pay off half of the secured loan. Then make your monthly payments on time.
Using secured credit cards and secured loans are a great way to build up your credit history. At ms750fico.com, the Better Credit Boutique, we help you get approved for houses, cars, jewelry whatever your American Dream is, we make it affordable. @ms750Fico analyzes your credit files personally. Using federal laws and proven effective methods we get negative, inaccurate and unverifiable information removed from credit reports. Contact @ms750fico via text with your credit questions 6468947796. Or email@example.com or use the Contact Us form on the website ms750fico.com.