J&B Best-life consultant LLC

01/01/2022

Happy New year

01/12/2021

The good thing about secured cards is that no one knows that the card is secured. The downfall to these cards is that they usually come with high interest rates, over-the-limit-fees, late fees, annual fees, start-up fees, cash advance fees, and maintenance fees. This is the credit card company’s way of encouraging you to pay in or-der to build your credit. Once you have reviewed your credit report, you are ready to sign up for a secured card. However, you should ask the following questions before you sign a contract or send any money:

Does your company report to all three credit bureaus?
When will I qualify for an unsecured line of credit?
What are your credit card fees?
Talk with your major local banks and credit unions.

01/12/2021

This method is good if you are trying to rebuild or start a new credit file. Getting a secured credit card and using it responsibly is an excellent way to build creditors’ trust in your ability to use new credit so that eventually, you can get an unsecured card. With a secured credit card, the companies require cardholders to secure their credit purchases by depositing a certain amount of money as collateral. That way, if you don’t pay your secured credit card, the bank can get repaid by withdrawing the money you owe from the deposit you provided.

01/01/2021

Happy new year's everyone's

12/25/2020

Merry Christmas

11/26/2020

Happy Thanksgiving everyone's

11/06/2020

Inquiries:
Whenever you apply for a credit card or a loan, your credit report is checked, which results in a hard inquiry. These inquiries could damage your credit score if you have more than six in two months. They can also stay on your credit report for up to two years.

Jbbestlifecredit.com
Www.smartcredit.com/jbbestlife

Get on top of your Credit Scores and Reports & take action directly with your creditors through our patented online system. Start a free trial today!

10/29/2020

Foreclosure/Repossession:
Foreclosures take place when you default on your home mortgage and the bank takes the house back. Re-possession is when you can no longer pay your car note and it goes into default. The lender will then confis-cate the vehicle without your permission and sell it in an auction. Both create negative marks that will re-main on your credit report for seven years.

Jbbestlifecredit.org
Jbbestlifecredit.com
www.smartcredit.com/jbbestlife

Get on top of your Credit Scores and Reports & take action directly with your creditors through our patented online system. Start a free trial today!

10/26/2020

Charge-offs:

These are debts that the creditor felt that they could not collect on anymore after 180 days. So they charged them off as a bad debt. However, the creditor can still sell the account to a third-party collector for collection purposes.

www.smartcredit.com/jbbestlife

Jbbestlifecredit.org

10/26/2020

Child support:

If you stop making child support payments, it becomes part of your public record and will therefore show up on your credit report. This negative mark can stay on your report for up to seven years.

www.smartcredit.com/jbbestlife
Jbbestlifecredit.org

Get on top of your Credit Scores and Reports & take action directly with your creditors through our patented online system. Start a free trial today!

10/24/2020

Late payments:
Once you become more than 30 days late on any of your bills, the financial institution that you hold a loan with will disclose your late status to the credit bureau. You can be reported as 30, 60, 90, or 120 days late, and by law, the late marks will remain on your credit report for seven years.

www.smartcredit.com/jbbestlife