Financial Education Services, Lance Petway

03/08/2018

If you know anyone in the Toledo area and they're looking to improve their credit, become a homeowner, lower their car insurance or car payment, this is a must.

01/29/2017

12/14/2015

http://www.yflfoundation.org/EnrollOnline.aspx

So many of you called or PM me regarding this scholarship program we are doing and just wanted to remind you that the deadline for seniors in high school and freshman in college to apply is TOMORROW.
It is so funny because some people ask me, "what is the catch". The catch is that they have to apply in order to be eligible. Believe it or not individuals and corporations do "pay it forward" from time to time with no strings attached. We are awarding out $100,000 to these kids and they get an education on personal finance before or while they are in college. HINT Stay away from those booths that over a free T-shirt if you apply for their credit card. :)

FYI This is for anybody nationwide and not just for the Great State of Michigan.

Fill out the required Scholarship Application Entry Form. Please make sure your contact information is accurate, as it will be used to contact the scholarship recipients. Once you hit submit, you will be presented with a pdf displaying 30 multiple choice questions and three essay questions. Print th…

10/08/2015

Know any seniors in High School or Freshmen in college. We are giving away $100,000 in scholarships this year. PM me or go to www.yflfoundation.org to learn more information.

08/18/2015

Nearly 80% of credit reports contain inaccuracies or erroneous accounts. Your credit score is a major factor in any of your large financial investments: credit and loan approval, interest rates, the amount of down payment or mortgage type on your home, your premium on you auto and homeowners insurances, your ability to lease or purchase a vehicle and now it has even become a deciding factor in job qualification! There is no room for error, yet 8 out of 10 people are losing out on their hard earned money because of these mistakes!
Contact me to see if you are looking for that missing money.

08/09/2015

Know anybody that is looking to buy a house but can not qualify mortgage wise because of less than perfect credit or no credit at all? We now have homes available where we can put you in the home on a lease with an option to purchase while we build up your credit score. We can add the lease payments to your credit report as well as approve you for a secured MasterCard, which will report to all three credit bureaus. We will even provide you with an interest free purchase price as you go thru your pre approval process. If this fits you or anybody that you may know, please have them contact me with their situation and I will provide a step by step game plan to get them to where they need to me.

07/20/2015

Did you know that there are actually 4 different type of scoring systems for you now.
1.CREDIT SCORE everybody should know about this one. When you go to by a house, car, get credit cards...etc the business will pull one or all of the three credit reports to determine if you qualify.
2. AUTO SCORE - When you are going to apply for auto, you will have a score that they will go by to determine your monthly/annual premium.
3. INSURANCE SCORE - When you go and apply for home, auto or boat insurance, you will have a score that will determine your monthly/annual premium
4. HIRING RISK SCORE - The least know of the 4. Did you know that 65% of employers now pull your credit and this can determine if you get that job or not, no matter what your working or educational background is!!
If you would like to learn more his reach out to me and I will be happy to explain further.

06/26/2015

Do you know about our SMART CREDIT program.
1. Get your scores for your credit score, auto score, insurance score and even a hiring risk index for job seekers. You can check your credit score every day with NO inquire added to your reports.
2. You can manage all your online accounts in one place, integrated with your credit and identity. You can use Action buttons to ask your creditor a question about your account or a transaction. No phone calls or writing letters are necessary.
3. We automatically track and update your account balances, bills coming due and transactions every day.
4. Access your interactive credit report, which is now easy to read, search or find anything quickly, view more or less detail.
5. Get alerts to your phone or email that someone opened credit in your name. Then use the Action button to stop the thieves.
Go to my website for more information.
www.myfes.net/LPetway

06/08/2015

Thanks for all the calls and e-mails regarding getting the rental history going on your credit report. I just had my first client that went on this program get her new middle credit score and it went up 56 points to 678. We are now using her new credit score to get her car insurance/homeowners insurance payment lowered and getting her a interest free or low interest rate credit card.
How much is your less than perfect credit costing you?

05/29/2015

Great news we now offer a secured credit card that will report to ALL THREE credit bureaus. Some clients just don't have any credit or we need to add some new credit lines as we are removing the negative ones. Remember having great credit scores are no longer just for getting a great mortgage interest rate. There are so many advantages with having a great credit score that puts money in your pocket every month. I will be happy to share with you my personal experience of going from a 533 credit score to a 788 in 6 months, with proof of this. :) Touch base with me and I will give you a free analysis of your current credit scores and credit report so you can see where you stand and how much "less than perfect credit" is costing you.

05/11/2015

If you are a renter or know of someone who rents, you need to read below and/or share this with your friends.
We now have a program that will ADD your rental payments to your credit report every month just like a mortgage does for a homeowner.
NO paperwork needed, NO cancelled checks needed, just a simple phone call. We can even go back 2 years on your rental history to give you a HUGE boost to your credit score. Use these new scores to lower your payment on your credit cards, car/rental insurance, qualify for a new home....the possibilities are endless. All for just $4.95 a month.
Contact me at 248.935.7683 to learn more.

05/23/2013

What amazing success we have had year to date with our negative credit removals. We have had our best success today this week. 7-8 negative items removed off one young ladies credit report and a credit score that went from 602 to 728 in 65 days. We are still working on that last item to get her to a 750 credit score which is where you need to be to get the best of the best now a days.
Go to United-Credit.org and check us out. After all, what else do you have to lose other than your less than perfect credit.