I Want to take a quick second to thank my friend @themortgagespecialist_emmanuel and his team at Pioneer Mortgage. It’s a pleasure to work with you all in helping people achieve their Dreams. Looking forward to changing many families lives with all of you.
MR CREDIT 305
New accounts will lower your average account age, which will have a larger impact on your scores if you don't have a lot of other credit information. Also, rapid account build-up can look risky if you are a new credit user. 🚨💳📉
Once you finally get rid of student debt or pay off your auto loan, you may be impatient to get any trace of it wiped from your report. But as long as your payments were timely and complete, those debt records may actually help your credit score. ☝🏻💡📚
There's very little truth to this myth. In total, there are two ways to check credit scores: hard inquiries and soft inquiries. ☝🏻💡
Hard inquiries are the ones that creditors run before signing off on final approval for a loan or credit, and too many of those can lower your score. 🚨
Soft inquiries, on the other hand, are just a basic look for educational purposes. You can do as many soft checks as you want without hurting your credit score. ✅
5 Ways to make your Income Tax work for you...
1. Get your Credit Fixed
2. Pay your Credit Cards
3. Invest in a Business
4. Invest in Business Credit
5. Use other people’s Money to Leverage your Business
Change the Future by Changing the old habits that didn’t get you anywhere. MR CREDIT 305
These are the three major credit bureaus in the U.S. also called credit reporting agencies (CRAs), they compile information about consumers' borrowing habits and use that information to create detailed credit reports for lenders. 💳💡🏢
At CreditEdit, we will work on removing any and all negative items on your credit report, with all 3 credit bureaus. ✅📝📈
Weigh your balances relative to your credit limit to ensure you’re not using too much available credit, a practice which can indicate risk. 🔑💳⚖️
In the Credit business, it is imperative to educate clients. We were honored to be part of the Home Buyers Workshop with @thebrookinsteam . Thank you for the opportunity to help change someone’s future. Looking forward to helping many people together with your team.
MR CREDIT 305
A goodwill letter is a request to a bank, lender or other creditor to remove a missed payment or other mistake from your credit report - an action known as a goodwill adjustment.💡📝✅
You can count on CreditEdit to help you identify these negative marks on your credit reports and submit a convincing case. 🚧🏦✅
Stop looking for people’s approval. Make your mark in this world. Go after your dreams like next year doesn’t exist. Disconnect from Negativity, and Plug into Positivity. Dreams do come true. It’s never to late to turn dreams to Reality.
MR CREDIT 305
Knowledge is only Power when you add Action to it. Taking action is the only way to ever release the Power within. Too many times we just let opportunity pass by without taking action. Take Action Now. Schedule your Free Consultation. It’s Free.
Each One, Teach One. You can’t take knowledge with you. Education is such a large part of Credit Restoration. Once a client’s credit is fixed, they have to be equipped with the knowledge to continue the journey in a positive way. Give knowledge whenever you can. You can’t take it with you.
MR CREDIT 305
“99% of failures come from people who make excuses.” - George Washington. 🎖
Credit Edit wishes all our customers a happy President’s Day. 🇺🇸🙌🏻
Failure is inevitable in Success. It’s what you do with each failure that determines the level of success. Without chance there is no possibility. So Fail, Analyze, Adapt, Overcome. REPEAT.... MR CREDIT 305
Stay Tuned. Big things going on in the next few weeks. If there are any Credit Questions that any of you would like to know the answer to. Please DM them. I will be addressing those questions on both video and audio platforms. That’s right. Stay Tuned..... MR CREDIT 305
Keep your debts in the green to show lenders you’re responsible with credit. According to Experian, payment history is the most influential factor for both FICO and VantageScore, the most common scoring systems. 📈🏦🔑
Cease and Desist Letters are a form of written communication sent directly to the debt collection agency to formally request that they stop contacting you altogether in reference to your amounts owed. At Credit Edit we guide you through this whole process. ☝🏻📝✅
Free Home Buying Workshop
If you are in the market to purchase a home or investment. There will be a great deal of I formation shared here. You will learn about resources and Home buying processes. Come out and listen to myself and other industry experts. For questions contact @ashleykitchenrealtor or @carleevazquezlovesrealestate MR CREDIT 305
Keep this in mind the next time a retailer offers you 10% off if you open an account. However, if you need a new line of credit, don’t jump at the first appealing offer; compare rates and fees offered through mail solicitation, on the Internet or at your local bank. ☝🏻📝🏦
Each month, your current lenders will report to credit agencies who keep a report of if and when you pay your debt, and how much you put toward it; that report will determine your overall credit score. 🤝✅
To avoid having inquiries impact your score when you apply for a new loan, finish your rate shopping within two weeks because there’s a 30-day grace period during which inquiries won’t affect your score. 🚨🚨🚨
Credit report errors are all too common. The FTC estimates that roughly 1 in 4 consumers have an inaccurate credit report. And it can take only one error for a lender, landlord or other credit checker to decide you can’t be trusted to meet your financial obligations. ☝🏻💡
That is why its important to review your credit report on a regular basis and dispute any errors. At Credit Edit we guide and help you do that so you can get the best possible outcome. 🙏🏻✅📈
As credit is paid off, it becomes available to use once again. 💡☝🏻✅
Good Morning. Today is another day to go after what you want out of Life. Start positioning yourself for the future. Whatever steps you take today, no matter how small or big, they are still steps in the right direction. Keep chipping away at your Goals and Dreams. Do something today towards accomplishing what you want. MR Credit 305
The Fair Debt Collection Practices Act (FDCPA), a federal law regulating third-party debt collectors, allows you to request the debt collector to send proof of the debt through a process called debt validation. ☝🏻💡
At Credit Edit we guide you through this process and work on removing any and all negative items on your credit report, with all 3 credit bureaus. ✅🤝📈
Mantener un buen Credit Score te puede ayudar a ahorrar dinero, mientras mas alto es tu credit score tus intereses financieros son mas bajos y te representa una buena cantidad de dinero ahorrado al ano, Reparar tu credito puede ser muy sencillo llama ya aesoria inicial gratis. Call at 786-7095300 Credit Law USA. fixyourcreditcreditcoachcreditscorecreditrepairmiamicreditrepair
Credit card debt (considered revolving debt because its meant to be paid off each month), is only 26.2% of the total debt (after accounting for 38% of the total debt in 2008). 💡💳🏦
Your credit score takes into account both revolving debt (credit cards) and trade line or installment debt (mortgages). It doesn’t matter if your line of credit has a lower interest rate, you shouldn’t prioritize other loans if it means neglecting that payment. 🚨☝🏻