Overcoming Bad Credit
Yahoo Finance indicates that 108 million American consumers have no credit or a low credit score. And according to consumer reports 34% of consumers reported finding at least one mistake in their credit reports. These errors and low scores got consumers denied for additional credit or lending opportunities and has cost consumers hundreds if not thousands of dollars in higher interest rates or large down payments. Making it tough for these people to get car loan, a personal loan, or even insurance. However, there is a way out of the credit web that keeps us feeling trapped. And here are a few GLOWING Tips to get you started with building your credit profile and on the glowing path to increasing your credit scores:
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REVIEW THE ENTIRE CREDIT REPORT AND LOOK FOR ERRORS SUCH AS: MISSPELLED NAMES, OLD ADDRESS INFORMATION, WRONG BIRTHDAYS, OLD EMPLOYERS, ACCOUNTS THAT ARE NOT YOURS, ACCOUNTS NOT REPORTING CORRECTLY AND OR DUPLICATE ACCOUNTS, ETC
NEXT, PLAN TO DISPUTE THE ERRORS FOUND. YOU CAN DO THIS YOURSELF OR
ONE THING YOU MUST BE ABLE TO DO QUICKLY IS MAKE A DECISION. FIRST, DECIDE THAT YOU ARE GOING TO TAKE CONTROL OF YOUR FINANCES. AND LEARN TO BUDGET PROPERLY.
PULL YOUR CREDIT REPORT FROM ALL THREE CREDIT BUREAUS - EXPERIAN, TRANSUNION AND EQUIFAX. EVERYONE IS ENTITLED TO ONE FREE CREDIT REPORT EVERY YEAR. GO TO ANNUALCREDITREPORT.COM
CONTACT A REPUTABLE
CREDIT REPAIR PROFESSIONAL.
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DON’T USE MORE THAN 7% TO 10% OF THE CREDIT LIMIT ON ANY CREDIT CARDS.
PAY DOWN CREDIT CARD DEBT BELOW 30%.
STAY ON TOP OF YOUR PAYMENTS. ANYTHING THAT REPORTS TO THE CREDIT BUREAU, PAY IT ON TIME EVERY TIME.
BURY BAD DEBT BY OBTAINING NEW CREDIT. HERE ARE A FEW RESOURCES TO GET YOU STARTED: A) CREDIT BUILDER CARD WWW.CREDITBUILDERCARD.COM/GLOWI NGRESULTS4YOU.HTML
B) FINGERHUT - WWW.FINGERHUT.COM
C) SELF-LENDER - WWW.SELF.INC
REMEMBER HAVING BAD CREDIT DOESN’T HAVE TO BE A LIFETIME SENTENCE. FEEL FREE TO CONTACT ME FOR A FREE CREDIT ANALYSIS BY CALLING: 800. 408. 1973 OR GO TO WWW.GLOWINGRESULTS4YOU.COM AND LET ME HELP YOU GLOW UP! MAY GOD'S FAVOR FOLLOW YOU FOR THE REST OF YOUR LIFE.
GRETCHEN RICKS, CEO GLOWING RESULTS 4 YOU
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