ScorePlus+ One

12/06/2021

Thank you Precious High!!! You Rock!!!

11/19/2021

Special for the Holidays!! You won’t believe your ears… But my gift to you to get started $0.00.

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ScorePlus+ One LLC offers Credit Solutions and Education services to help individual and families on their journey to improving their financial well-being.

11/19/2021

Special Annoucement!!!

ScorePlus+ One LLC are excited to announce that a new client have just decided to start their journey with us!!!

What are you waiting on??? We are here to help you on your journey as well. Sign up today!!!

ScorePlus+ One LLC offers Credit Solutions and Education services to help individual and families on their journey to improving their financial well-being.

11/02/2021

CAN YOU QUALIFY FOR A CREDIT CARD AFTER BANKRUPTCY?

Filing for bankruptcy is one the most damaging events that can happen to your credit. Your credit score can take a major dive as soon as bankruptcy hits your credit report, where it can remain for a long time. Chapter 7 bankruptcy can stay on your credit report up to 10 years, while Chapter 13 bankruptcy stays on your report up to seven years.
The effects of bankruptcy on your credit score lessen over time, but some lenders won’t even consider applicants with a bankruptcy in their credit history. Others may charge higher interest rates and fees to mitigate their risk.
But if you can get one, a credit card is one of the simplest ways to start helping your credit recover from a bankruptcy.

CREDIT CARD AFTER BANKRUPTCY
After you declare bankruptcy, you should check your credit report and credit scores. This way you know where you stand when it comes to meeting credit card approval requirements. It may also be a good idea to invest in credit monitoring, so you can see how your credit score changes over time.
Despite the damage to your credit, it is possible to qualify for a credit card after your bankruptcy has been discharged. A basic credit card, when managed responsibly, can help your credit score rebound. There are two main options out there.

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ScorePlus+ One LLC offers Credit Solutions and Education services to help individual and families on their journey to improving their financial well-being.

10/26/2021

How Is Your Credit Card’s Minimum Payment Calculated?

1. Flat Percentage of Your Balance
Some cards use a flat percentage of your balance to calculate your minimum payment and don’t factor in interest and fees. A typical flat percentage rate is 2%. So, if you have a statement balance of $1,000, the minimum payment will be $20. Your payment is applied toward both your interest, fees and principal.

2. Percentage Plus Interest and Fees
Other card issuers charge a smaller flat percentage rate – often 1% – then add on any interest and fees that have accrued. If you have a balance of $1,000, accrued $16 in interest and you have no additional fees, your minimum payment is 1% of your balance – $10 – plus $16 in interest for a total of $26.

3. Fixed Dollar Amounts
If you carry a smaller balance on your credit card, typically between $25 and $1,000, your minimum payment may be a fixed dollar amount, like $25, that is outlined in your credit card agreement. Every card has a fixed floor rate for minimum payments when your balance falls below a certain threshold.

4. Remaining Balance Owed
If you have a very small credit card balance that comes under the fixed floor rate, your minimum payment may simply show as the total statement balance. For example, if your balance is $15 and the minimum fixed floor rate is $25, then the minimum amount owed is simply $15.

10/12/2021

I have a Goal set to obtain the highest score possible. It will take hardwork and a changed mindset.

What do you need help with? Let’s get started!!!

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09/10/2021

Credit Matters

Are you ready to get serious about your credit?

07/26/2021

KEEPING YOU INFORMED
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Credit monitoring service allows you to track changes in your credit report and score. You will have access to real time alerts so you instantly know when changes have been made to your credit report.

TAKE CONTROL AND START YOUR CREDIT MONITORING SERVICES TODAY!!

Credit Monitoring with ScorePlus One LLC

07/26/2021

Credit Monitoring??? Who needs this??? Inbox me for details. I promise it will change your life.