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Sarae is joined by Melissa Duncan, Personal Finance Coach at mpowered, to weigh the benefits and drawbacks of Credit Karma for consumers. As a nonprofit Accredited Credit Counselor, she shares her insight and expertise to discuss how consumers can use Credit Karma's services to understand of their credit, and what considerations to keep in mind.
We will be talking about the importance of managing our finances wisely. What is your relationship with money and how is it affecting your life and ministry? We will explore Money Relationships with our special guest, Raquel Hinkson. In addition to being a minister of the gospel, she is also an expert in Credit Restoration.
Moreover it is required in stewards, that a man be found faithful. I Cor. 4:2
Steward - manager of household, treasurer
So if you have not been trustworthy in handling worldly wealth, who will trust you with true riches? - Luke 16:11
In today's episode Cliffunya & Kisha will discuss what a credit charge -off is and how to dispute any inaccuracy on your credit report.
What is a Credit Charge-off? After a certian amount of time of non-payment creditors will write off an account balance.
Charge-off is difficult to remove but there are ways to dispute a charge-off which may result in it being removed from your credit report .
Unpaid charge-off can also lead to legal action (as long as the debt is within the statue of limitations).
If the statue of limitations has ran out a debtor can no longer be sued and the debt becomes uncollectable.
Account balance. Has the account been transferred or sold to a collection agency? If yes, the account balnce should show zero.
The original creditor who has sold or transferred cannot continue to report a balance owed.
Dispute the balance and ask for deletion.
Always ask for a deletion of the entire account because corrected negative informaiton doesn't improve your credit score. Keep in mind the creidt bureaus are not required to delete incorrect informaiton only to correct it.
Areas that can be disputed:
Open Date of Account
*Remember charge-off 48 months or older are no longer being used to calcuate your credit score.
Use caution when disputing charge-off you run the risk of lowering your credit score if the dispute returns verified as correct .
Hey..... you... Stop
Listen to how Mr. Credit Guru will be telling you how to build credit fast. You want to buy your home next year around this time. Now is the time to get cracking, and get the tips from a professional himself. You don't want to miss this, so tune in. You want to ask a question , here is the number to call (516) 418-5479
Credit has become the modern-day shackles that enslave many people, from Beverly Hills to Boc Raton. Our debt level and our lack of savings make the nine-to-five job mandatory. Between our mortgages, car payments and credit card debts, we can't afford to quit. We are minimizing our lives and financial potential by making minimum credit card payments.
Join Partners in Health and Biz talk show host Gail Dixon as we discuss why cash is better than credit and how to break your credit card addiction.
Call into the studio with your questions and/or comments: 347-945-7433.
Most of us have been there: you've made some mistakes in the past, and now it's come back to bite you. The difference is that now you have the $$$ to afford a much better vehicle. What's a girl (or guy) to do? Well, if you're in the market for a vehicle, and you REALLY want to 'learn the ropes' on how to: (1) find a suitable vehicle; while, (2) making affordable payments - then YOU'RE JUST THE PERSON WHO NEEDS TO LISTEN TO THIS PODCAST!
Learn all you need to know from four women in the Harrisburg/Mechanicsburg areas on how to find BOTH - regardless of the numbers on your credit score. And get your questions ready...because we'll be here to answer them promptly on our PREMIERE BROADCAST, going LIVE at 7pm EST, Sunday, January 31, 2016. Hope you will, too.
in Self Help
Remember going to college or graduating from high school to receive your first credit card application? I do, and no one told me that it would Impact my life Forever! Tonight's call is focused on learning about your credit scores and what affects your credit. There are so many myths about credit and the misguided information is causing many people to live in fear and not do anything because of their poor credit, until now. Now there is hope, we are presenting a leader in the credit restoration business who has many years of experience assisting people with their credit! Get the help you need this tax season, by having your credit repaired.
Host Dawn Davenport, Executive Director of Creating a Family, the national infertility & adoption education and support nonprofit, interviews Becky Wilmoth, an Adoption Tax Credit Specialist at Bills Tax Service, and Josh Kroll, Adoption Tax Credit Coordinator at the North American Council on Adoptable Children (NACAC).
For a discussion of this show, go to our blog tomorrow http://creatingafamily.org/blog/.
Creating a Family has many free resources related to this topic on our website at www.CreatingaFamily.org.
Please leave us a review on iTunes. Thanks.
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This Week's Episode: T.E.A Time- Credit Restoration Specialist & Author Derrick Pickett comes on this week and shares his personal story with our audience In his own exuberant and professional style, practical advice and techniques for how to get out of a bad credit situation and make your life more rewarding.Derrick Pickett's new book: The Credit Game How to Play & Win - A Guide to Credit Restoration For Single Women is now available on Amazon http://www.amazon.com/The-Credit-Game-How-Play/dp/0692602607
T.E.A Time- A acronym for The Entrepreneurial Academy -slogan "Thrist For Enrichment & Achievement For Your Small Business Development is a interactive project developed by LouddMouth Radio Producer Sabrina Sonny Jones-Smith to provide tools & resources to new & existing entrepreneurs throughout the world through the LouddMouth Media Brand. LouddMouthradio.com reaches listeners online on http://stitcher.com & http://tunein.com two dynamic podcasts platforms reaching over 50 million+ active monthly listeners & 4 million in car dashboards.
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