BETTER CREDIT TIP #31

Quick Credit Rant!

 

Don’t let another credit repair company tell you it will take a year or so to see an increase in your credit score. It’s just a trap to drag out the process and keep you paying them longer.

 

The Better Credit Boutique Process:

When attempting to fix your bad credit, it is important to contact all three credit reporting agencies (CRAs) and creditors in writing AT THE SAME TIME.

 

Their Process:

A lot of credit repair companies work with one-two creditors and one credit reporting agency at a time. That way their customers continue to pay a monthly subscription/ membership fee for a longer period of time. The average client continues to pay monthly fees to other credit repair agencies for 6-30 months before getting the negative information off their credit report!

 

Here at the Better Credit Boutique, we contact ALL of your creditors and ALL 3 credit reporting agencies from the start of the process. Experian, Equifax, TransUnion and every collections agencies, charge off, judgement, tax lien, late payment etc will get a dispute letter from the very beginning of the process. We get GREAT results for our clients in 90 days or less. Let us get you THE BEST RESULTS FAST!

 

Our strategy WORKS quickly because we value our clients time. We help you get the inaccurate, unverifiable, erroneous, outdated and expired negative accounts off your credit report while giving you ways to put positive information on your credit report.

 

LET’S GET STARTED!

 

Visit http://www.ms750fico.com

866-241-3049

646-894-7796 (TEXT FOR A QUICKER RESPONSE)

Find us on Instagram and Twitter @ms750fico

Advertisements

HOW TO GET CREDIT REPORTING AGENCIES TO REMOVE BAD CREDIT!

According to the National Consumer Law Center, the credit reporting agencies rarely have a human being read credit report disputes. Most disputes are scanned by computers and the responses are generated by a computer. Everyday individuals then receive a generic response to their dispute.

This is illegal but very common. The Fair Credit Reporting Act mandates proper investigations into credit report disputes. Consumers know very little about their rights. Therefore, TransUnion, Equifax and Experian get away with reporting inaccurate, unverifiable and obsolete information. This leads to lower credit scores and higher interest rates imposed on Americans.

 

 

Many of my friends are turning thirty something. They are thinking of buying a home and working overtime to pay off credit card debt. High interest rates due to bad credit is costing them years to pay off T-shirts and jeans they charged. How can you save money for purchasing a new home when you have credit card debt with high interest to payoff?

You have enough on your plate. Don’t get DENIED YOUR AMERICAN DREAM because the credit reporting agencies are not accurately reporting your financial history. Using our methods and ten years of experience, we ensure that YOUR DISPUTES GET THE RESPECT AND RESULTS YOU DESERVE! Improve your credit scores!

Any questions? Need to raise your credit score? Contact us!

 

Thank you for stopping by!

 

Keep in Touch!

Instagram @bettercreditboutique

Instagram and Twitter @ms750fico

Facebook Better Credit Boutique

866-241-3049 Office

646-894-7796 Mobile

bettercreditboutique@gmail.com

http://www.ms750fico.com

Like us on FaceBook Better Credit Boutique, LLC.

 

CALLING ALL ENTREPRENEURS!

Let’s Talk…

BUSINESS!!!

businessmanthumbs+up

 

Budding entrepreneurs find themselves in a corner when they learn that their bad credit is keeping them from achieving their goals. Business loans and lines of credit are essential for businesses to thrive. Here are some steps entrepreneurs can easily take to access business funding:

  1. Negotiate lower interest rates on your current credit cards. This will help to reduce the balances you owe.
  2. Get a FREE copy of your credit report from annualcreditreport.com.
  3. CALL 866-241-3049 for a FREE CREDIT ANALYSIS

 

At the Better Credit Boutique, LLC. we offer Credit Education, Real Estate Investing Opportunities, First Time Home Buyer Seminars and Business Coaching. CALL US TODAY!

 

 DON’T LET BAD CREDIT STOP YOU FROM ACHIEVING SUCCESS!

CONTACT US!

 

Thank you for stopping by!

 

Keep in Touch!

Instagram @bettercreditboutique

Instagram and Twitter @ms750fico

Facebook Better Credit Boutique

866-241-3049 Office

646-894-7796 Mobile

bettercreditboutique@gmail.com

http://www.ms750fico.com

Better Credit Boutique, LLC.

 

Better Credit Scores = Lower Interest Rates

Let’s Talk…

HOUSES, CARS & CREDIT CARDS!

When you raise your credit score with us at the Better Credit Boutique, you get benefits associated with lower interest rates. Here are a few examples:

  • Lower interest rates on your credit card means you can pay down debt quicker.
  • Lower interest rates on your car loan means lower monthly payments on your car note. And you can pay off your car sooner.
  • Lower interest rates on your home loan reduces your mortgage payment monthly.

credit pic

 

car

house

 ALL OF THIS LEADS TO MORE MONEY IN YOUR POCKETS!

WANT MORE MONEY IN YOUR POCKETS?

CONTACT US!

 

Thank you for stopping by!

 

Keep in Touch!

Instagram @bettercreditboutique

Instagram and Twitter @ms750fico

Facebook Better Credit Boutique

866-241-3049 Office

646-894-7796 Mobile

bettercreditboutique@gmail.com

http://www.ms750fico.com

Better Credit Boutique, LLC.

 

Applying For New Credit

A common mistake people make when trying to build up their credit is applying for new credit too rapidly. Many people apply for a card and get approved (or denied) and then go to apply at another bank or retail store.

credit pic

 

 

When you get approved for a credit card, Do not go and apply for more credit rapidly and randomly. ONLY APPLY FOR NEW CREDIT WHEN YOU NEED IT, try not to apply for credit more than 2x a year.

creditpic5

 

Eventually, you will need to apply for credit for a car or a house. Don’t get turned down because you opened too many random accounts recently. The credit reporting agencies will state your credit history is TOO NEW TO RATE or ACCOUNT HISTORY TOO SHORT or NUMBER OF RECENT INQUIRIES and that makes you a higher credit risk; which leads to a DENIED application.

Any questions? Need to raise your credit score? Contact us!

 

Thank you for stopping by!

 

Keep in Touch!

Instagram @bettercreditboutique

Instagram and Twitter @ms750fico

Facebook Better Credit Boutique

866-241-3049 Office

646-894-7796 Mobile

bettercreditboutique@gmail.com

http://www.ms750fico.com

Better Credit Boutique, LLC.

 

HAPPY FATHER’S DAY!!!

Dads do you have good credit?

 

Good credit can help to secure your child’s future. Here’s how:

  • You can use your good credit to buy a home. Real estate is a great way to build generational wealth. Passing down a house can help take care of your kid’s kids.
  • You can get better interest rates on credit cards with good credit. That way you will save more money by spending less on interest. Look for credit cards with interest rates under 19%.
  • You can get much better car deals with good credit. When you have bad credit, you wont qualify for a car loan. And if you do, it will have a high interest rate and monthly payment attached. Lower monthly bills = more money for your children.
  • You can start up your own business and take on business loans when you have good credit. Business credit is secured based on the individuals credit.
  • You can pay for good schools if you have good credit.

 

All good men want to secure their kids future. If your baby asked, “Daddy whats your credit score?” Would you proudly answer?

At the Better Credit Boutique we help people improve their credit through credit education courses. All of the courses are taught one on one over the phone, online and even via text messages. Text a Certified FICO Pro at 646-894-7796 to get started

 

HAPPY FATHER’S DAY TO ALL!!

 

Your In Success

@ms750fico

866-241-3049

646-894-7796

ms750fico.com

ms750fico.wordpress.com

bettercreditboutique@gmail.com

Tell Me More…

@Ms750FICO, Certified FICO Pro

 

Not all 750 FICO scores are created equally. Let me explain…

Imagine you meet a guy in the grocery store. He is tall, dark and handsome. A winning smile and kind eyes plus well dressed in business attire. At first sight he is a PERFECT 10. Soon you find out that this PERFECT 10 has 6 children, no high school diploma, fresh out of jail and the clothes are from the Goodwill. Are you still going to accept an invitation to dinner from this guy? How about drinks? How about 30 years with this guy?

Exactly! The banks think of us in the same way.

Now let’s imagine, there is another PERFECT 10 in the grocery store. Tall, dark and handsome just like the first guy. You must be thinking ‘I’m a lucky doll to run into so much eye candy in one day.’ But you know you have to check his history. He tells you he is a Financial Advisor, just finished his MBA and he loves The Lord. Now would you accept a dinner invitation from this guy? How about drinks? How about 30 years with him?

Again lenders think of us in the same way. The banks like to see scores over 700. Just like tall, dark and handsome excites you, scores over 700 excites lenders. Every man that looks like a Perfect 10 is not. And every person with a 750 FICO score may not get approved for a mortgage or car loan. The banks want to extend credit to you (lend you money) because they make money on the interest/ points/ annual percentage rates they will charge you. They just have to be sure that your 750 FICO score is not comprised of maxed out credit cards that you pay only the minimum balance on, new loans with high balances, accounts in negative standing (90days late here and 60 days late there) and a few too many inquiries.

A 750 FICO score with the following characteristics has a higher chance of getting approved:

  • car loan from a few years ago paid down substantially (or paid off)
  • a mortgage from a few years ago that is paid on time
  • student loans paid on time
  • 3 or more credit cards with low balances, paid on time
  • 0 negative accounts
  • 0-1 credit inquiry in the past 12 months

This is a good candidate for extension of credit. See the key is to have a mix of credit (a few credit cards carrying a low balance, mortgage, car loan, personal loan and/ or student loans) and PAY ALL OF YOUR BILLS ON TIME! Late payments, especially those within the last 24 months, will cause you to get denied. Chargeoff accounts will cause you to get denied. Settled accounts can also cause you to get denied, if not settled correctly.

At 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 bettercreditboutique@gmail.com or use the Contact Us form on the website ms750fico.com.

 

God Bless

@Ms750FICO

Instagram

Twitter

Facebook

866-241-3049