Above All Credit Dreams

12/01/2021

A question we heard a lot in 2021...
"Can You Buy a House with Bad Credit?"

Our corporate response:
"Having bad credit makes it harder to get a mortgage. A low credit score makes you look riskier to lenders; it suggests you might be financially unstable or it's the result of not knowing how the scoring process works or having gone through a brief rough patch that required you to take on debt."

More corporate but truthful response:
If you think you’re ready for homeownership despite your bad credit, here’s what you need to know:

1. What counts as a bad credit score?
2. Credit score needed to get a mortgage
3. What having bad credit means for your
mortgage rate

Our personal truth:
No one should be still renting when they are hoping to buy a home - because their credit has a few hiccups and needs a "score-makeover".

Schedule a credit consultation and buy your home in 2022.

#2022

11/30/2021

No doubt about it — the real estate market has been hot in 2021. But if you didn’t make a move this year, and you’re thinking about buying or selling — or both — next year, you’ll want to know what to expect.

Mortgage rates are projected to rise a bit next year, but still remain historically low, while buyer demand is expected to stay strong.

It may still be a seller’s market in many areas, but there’s likely to be more opportunities and wiggle room for homebuyers.

Consequently, it will still be a great time to buy a home.

It is a perfect time to address your credit if you need stronger scores to buy a home.

11/29/2021

Sometimes we leave the house in a shirt too short or one that use to fit us - before we ate Thanksgiving dinner - or even gained a few pounds.
And all day you are adjusting it...
Conscious of it, most moments - swearing everyone knows you have on a too small or a cousin to a too small shirt...

Sometimes credit is like that...
Your scores need to be adjusted...
Make size small scores larger - even extra large...
And even though it seems like you are the only one with "size small" scores - it is not true...
79 million people are adjusting their scores "shirts" - have poor credit.

Schedule an appt today for a credit chat...

11/26/2021

If you are using a credit card for your shopping (in person, online, or otherwise), there are a number of things to keep in mind.

Having the right credit card could help you save money by avoiding unnecessary fees, gaining optional services, and even rewards.

Be sure to set a limit on your spending and stick to your budget, so you can manage your credit card debt. Also, learn how to protect your credit card account and know what to do if you are a victim of credit card fraud, or if you detect billing errors.

11/25/2021

As a business we understand the beauty and power of family. We are thankful for our family and for our friends, business partners, clients, customers and those who have walked with us in the growth of our business.

We want to take a moment and say Happy Thanksgiving to ALL of you.

We hope your day is amazing!

11/24/2021

Let's talk Lexis Nexis...
LexisNexis is one the largest data-broker in the world. They create vast profiles on people and use that information to create various reports that they sell to companies of all kinds. These reports are used to make decisions about renting, insurance and more.

It might be a good idea to find out what's in your report - and to schedule a consultation with us - so we can help you either understand how to address inaccuracies or understand how this report impacts your everyday life.

11/24/2021

Your credit history can affect your everyday life in ways you may not even realize. Besides helping determine what loans or credit you’re offered and at what interest rates, it may play a role in job offers or home rentals, among other things.

That’s why keeping tabs on your credit history, as reported on your credit reports – and the information in credit reports, which is used to calculate credit scores – is essential.

Need help getting your credit back on track? Contact us.

11/23/2021

11/18/2021

No one has ever been thrilled about a low credit score—but for some, it can lead to bouts of depression that keep them from fully living their lives or managing their money more responsibly. In 2020, 31 percent of adults reported their financial anxiety led to feelings of depression/or anxiety on a monthly basis.

Living well without credit is certainly possible. We'll be straightforward here: Many things in life are much easier when you have a good credit score.

11/17/2021

Financial freedom. It can sound like a nice theory. But the truth is, it’s possible for anyone to achieve. And I mean anyone – even someone who once had tens of thousands in student loan debt, has had their car repossessed, evictions on their record and poor, challenged credit.

It really starts with ownership, asking for help, a strategy and dashes of fortitude.

2022 is just around the corner...
Schedule an appointment today!

11/16/2021

In these ever changing economic times - there are several people seeking residual income from different sources - one of which is Air BNB.

Often times the road to residual real estate income - is connected to good credit.

Interested in learning more?
Schedule a consultation....

11/15/2021

It is illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts.

Debt collectors can’t contact you before 8 a.m. or after 9 p.m., unless you agree to it. They also can’t contact you at work if you tell them you’re not allowed to get calls there.

Collectors can’t harass you. For example, collectors
can’t threaten to hurt you may not use obscene or profane language can’t repeatedly call you Collectors can’t lie. For example, collectors
cannot tell you that you owe a different amount
than what you actually owe may not pretend to be an attorney or from the
government
. can’t tell you that you’ll be arrested, or claim
they’ll take legal action against you if it’s not
true

Collectors can’t treat you unfairly. For example, collectors

may not try to collect interest, fees, or other charges on top of the amount you owe, unless the original contract or a law says they can
can’t deposit a post-dated check early
cannot publicly reveal your debts, including by sending postcards or putting information on envelopes