740 Credit Repair

02/03/2023

If you are behind in paying your bills, you can expect to hear from a debt collector. A debt collector is someone, other than the creditor, who regularly collects debts owed to someone else. You have legal rights as to how those debts may be collected. DON'T BE BULLIED OR HARASSED into paying for something. Watch this video.
https://vimeo.com/352058991

01/10/2023

Great news for consumers who have small medical collections on their credit reports. This year the credit bureaus, Transunion, Equifax, and Experian will start removing medical debts, under $500, from all credit reports. This will mean an instant increase in your credit scores.

01/05/2023

If you think credit repair is expensive, then read this article about bad credit predatory car loans, released by the Consumer Financial Protection Bureau.
Fixing your credit before buying a car can prevent you from paying ultra-high interest rates which can lead to repossession, which could cause job loss, being pursued by creditors for non-payment, and ultimately losing your home or apartment.
Do you really want to buy a car before you fix your credit?
https://www.consumerfinance.gov/about-us/newsroom/cfpb-and-new-york-attorney-general-sue-credit-acceptance-for-hiding-auto-loan-costs-setting-borrowers-up-to-fail/

Send a message to learn more

12/24/2022

Merry Christmas everyone and wishes for a great new year to come.

12/20/2022

Stop listening to people who tell you to keep a 10 - 30 % utilization rate on your credit...it's wrong😡. You want 0%.
Your score will thank you and your wallet will thank you. Make the credit card companies pay you for having their credit card😁

12/19/2022

Christmas present for 3 people. I'm offering 3 people free credit repair services for the next 4 months. Merry Christmas! DM me with your email address and tell me why you would like to be chosen.

12/19/2022

Free credit score points giveaway!
If you are not reporting your rent to the credit bureaus, you are throwing away valuable credit score points. Rent reporting is an instant boost that sometimes could give you up to 120 points. Experian allows you to report on their website by signing up for free. You can even include other services you pay for like Netflix or Hulu...you can even include your utilities! There are other companies out there that, for a small fee, will report the information to all three bureaus.
Get in line and take advantage of it.
Need help or more information? just send me a message

12/15/2022

12/14/2022

How your credit score can affect your payment for your home. Let's be smart and save money.
Here is an example: I'm going to use the FICO® Loan Savings Calculator for this example.
Let's say you start out with a low score of 630 because your credit report is not that great. You purchase a $4500,000 home with a 20% down payment (total loan amount of $360,000) and qualify for a 30-year fixed mortgage with an interest rate of around 7.7% (current for December 2022). Total interest paid = $710,000
Boosting your score several points, to around 660, could qualify you for an interest rate of 6.7%—saving you nearly $98,000 over the life of the loan. Bringing your score up to 760 could land you a rate of about 6.1%, saving you an astounding $175,000.
What would you rather spend, a few hundred up front to improve your credit, or pay an extra $175,000?

12/14/2022

Why don't some people understand?
Sometimes it's hard to get people to come to the realization that bad credit is expensive.
Spending a few hundred 💲 on repairing your credit, BEFORE you buy your car could save you $12,000

12/05/2022

If you're needing to bump up your credit score, here are a few easy things you can do right now to get the process started.

What Is A Credit Report? A credit report is the equivalent of a consumer's financial report card. It details your credit history as it has been reported to the credit reporting agency by the lenders who’ve given you credit. Your credit report lists the types of credit you use, the amount of time y...