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Most of the people who come to see me regarding a credit issue never knew they had the issue until they needed a loan.
I will review why you should pull your credit report, how to obtain a free copy and discuss credit scores.
Email me me in advance any credit question you might want me to answer during this credit talk chat: JeanneKelly@kgroupconsulting.com
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
Don Houston aka The Car Man will educate you the on how to repair your own credit. Several people have something(s) on their record that will cause their credit score to drop and creditors charge them higher than normal rates on loans. Learn what you need to know on how to clear up your own credit and secure low rates and improve your credit score.
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
Successful business owner Jermaine Hardwick, CEO of Inner Circle Income LLC, a Business Funding Program where you can access from $50,000 to $250,000 in unsecured corporate credit even if you have been denied funding due to poor credit will discuss his business and how you can get business funding without any upfront fees. This essential funding program allows entrepreneurs to create new income streams and a more bankable business. Tune in today to learn his secrets and how this can benefit your business.
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.
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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.
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 .