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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.
Today, Blair Warner, Founder of Upgrade my Credit and Certified Credit Consultant joins me to give us the 'scoop' on credit cards. Do you know the differences between retail and bank cards? Are you familiar with the techniques to use your credit cards to build your credit score? Why not just cut up your cards and pay cash for everything? Tune in to hear more.
ABOUT PLAID FOR WOMEN:
Plaid for Women radio is produced to give you information, advice and resources to manage “The Business of Life”. Our goal is to help you achieve your goals, get connected, and be heard.
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CONTACT INFO FOR TODAY'S GUEST:
Blair A. Warner, Founder
Soaring Financial, LLC - Upgrade My Credit
Personal and Business Credit Solutions
www.upgrademycredit.com | T: 817.886.0302 | F: 682.200.1105
OUTTRO MUSIC BY JACK T. BLUES
On this special episode of Industry Refocus, we welcome Gaby from the Financials team to break down credit cards and the billions of dollars retailers are generating from their brand-specific credit offerings. She also has an update for the housing market and mortgages.
Join Snow ,Willie and I as we discuss the difference between oracle,tarot cards etc.
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.
lessons,music,readings temptations lesson
20.00 personal readings pay pal
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 .