Elite Credit Score Improvement

04/29/2022

*****WARNING****DO NOT HAVE A CAR DEALERSHIP RUN YOUR CREDIT, GET PREAPPROVED AT YOUR BANK OR CREDIT UNION.

Having a car dealership run your credit can result in as much as a 50 point drop to your credit score. THEY ARE NOT SHOPPING AROUND FOR THE BEST DEAL FOR YOU, THEY ARE SHOPPING AROUND FOR THE BEST DEAL FOR THEMSELVES. They will ask several times to run it, do not do it. Getting a preapproval will also put you in the driver's seat by knowing what you can afford before walking into the dealership,

05/26/2021

CONSOLIDATING STUDENT LOANS: WARNING

Consolidating your current loans will cause you to lose credit for any payments made toward income-driven repayment plan forgiveness or Public Service Loan Forgiveness.

05/19/2021

Will my credit score drop if I consolidate my student loans?

Consolidating your debt can lower your monthly payments, but it can also cause a temporary dip in your credit score. If the old lines of credit, the original student loans, are closed and the new loan is the only open account, the age of credit will drop significantly, thus causing your credit score to drop.

01/29/2021

09/03/2020

There’s no better time than now to start investing in your future - and I want to help! Let's find what you're looking for together. Send me a message to get started.

06/23/2020

DONT LET A FORECLOSURE RUIN YOUR CREDIT.

LET US HELP YOU SELL QUICKLY

06/23/2020

You don’t have to wait for the perfect time to live your best today. What’s one thing you can do now, that doesn’t have to wait for tomorrow?

06/23/2020

5 WAYS CREDIT CARDS CAN HELP YOU BUILD CREDIT FAST

1) MAKE FREQUENT PAYMENTS-If you are able to make small payments — often called micropayments this can help to keep your credit utilization low.

2) ASK FOR HIGHER CREDIT CARD LIMITS-When your credit limit goes up and your balance stays the same, it instantly lowers your overall credit utilization. (DO NOT USE THIS NEW CREDIT!!!!)

3) DISPUTE CREDIT CARD ERRORS ON YOUR CREDIT REPORT-The Fair Credit Reporting Act allows you or Elite Credit Score Improvement to dispute any inaccurate, late or missed payments found in your credit profile.

4) GET A CREDIT CARD OR PAY DOWN YOUR CREDIT CARD BALANCES-If you do not have a credit card this will quickly improve your credit score. Most banks or credit unions offer secured credit cards.

5) BECOME AN AUTHORIZED USER-Ask a relative or friend with a long record of responsible credit card use and a high credit limit to add you to his or her card as an authorized user. You never need to take possession of the credit card or even know the credit card number to take advantage of this.

CREDIT CARDS ARE REVOLVING CREDIT AND ACCOUNT FOR 30% OF YOUR CREDIT SCORE. THEY CAN HELP OR HURT YOU TREMENDOUSLY. USE THEM RESPONSIBLY.