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 We help you get the inaccurate, unverifiable, erroneous, outdated and expired negative accounts off your credit report while giving you ways to put positive information on your credit report.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

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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!!!

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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.

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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.

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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.

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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.

 

I have a copy of my credit report, now what?

Did you know that you are entitled to one free credit report each year from Equifax, Experian and TransUnion?

 

Yes you can get your free credit report online at annualcreditreport.com!

Many people receive copies of their credit report and have no idea of what to do next. I suggest you start by identifying the negative accounts on your credit report. Any account that is reported as a negative/ derogatory/ adverse account should be removed from your credit report. Negative account statuses are:

  1. 30 days past due
  2. 60 days past due
  3. 90 days past due
  4. 120 days past due
  5. 150 days past due
  6. 180 days past due
  7. Not more than two payments past due
  8. Not more than three payments past due
  9. Not more than four payments past due
  10. More than 120 days past due
  11. Collections
  12. Foreclosure
  13. Repossession
  14. Legal Repossession
  15. Voluntary Repossession
  16. Repossession; Redeemed
  17. Voluntary Surrender
  18. Derogatory
  19. Adverse
  20. Bad Debt, placed for collection
  21. Charge Off
  22. PAYING OR PAID ACCOUNT WITH THE ACCOUNT CHARGED OFF TO BAD DEBT OR COLLECTIONS
  23. SETTLED; PAID LESS THAN LEGALLY OWED
  24. Bankruptcy
  25. Judgment
  26. Lien

If any of these words appear on your credit report, text me at 646-894-7796 or call me at 866-241-3049 or use the contact form below.

 

Instagram @ms750fico

Twitter @ms750fico

Facebook Better Credit Boutique, LLC.

ms750fico.com

How can I get “Good Credit”?

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

 

God Bless,

 

@Ms750FICO

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