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  • 00:30

    How to Dispute a Charge-off on Your Credit Report

    in Motivation

    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

    Highest  Balance

    Late Payments

    Account Status

    *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 .

  • Why you should pull your credit reports?

    in Finance

    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

  • Klarque Garrison of "Survive 365"

    in Books

    Mr. 365, D. Klarque Garrison, host of the blog, Survive 365, and the blog talk radio show, Survive 365: The Conversation of Survive 365 discusses his book, How to Survive the Next 365 | Your Lifeline to a Better Life.

  • Your Credit Score Can Cost YOU!!

    in Finance

    Most people know that bad credit can cost you but they really don't know HOW...listen in to learn. To connect with Troy call 443.943.2259. To connect with Leroy call 443.762.2324

    To read the full article visit http://www.melonisworks.com

  • 02:01

    jrilshow: How can you be a relationship coach if your relationship is whack?

    in Radio

    Welcome to the Saturday edition of the jrilshow!! Tonight we are talking about relationship coaches!!!! Here is our QOD:  How can you be a relationship coach when your relationship is jacked up?  Should be fun, come hang with your favorite crew!

  • 00:35

    How to Qualify for an Auto Loan When Credit is an Issue

    in Automotive

    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.

  • 00:30

    What are you doing with your talents?

    in Christianity

    Are you always being told to use your talents? Are your friends, relatives and loved ones always telling you or asking you why aren't you singing, dancing, acting, cooking, doing public speaking, teaching, bLah, Blah,BLAh, BLAH! Join Bishop Lawrence F. Wright on Greater is in You radio as he takes you into God's word to see for yourself what God has to say on the matter! On Greater is in YOU radio with Bishop Lawrence F. Wright


  • 00:49

    How can your state of mind be responsible for your procrastination

    in Motivation

    Are you ready to stop procrastinating and become more pro-active in your life? Are you ready to make things happen in your life by choice, not by chance?

    Here are few reasons why some of us procrastinate

    Lack of skills & information to complete a certain task
    Lack of interest of the task
    Lack of motivation and the drive to complete the task
    Fear: fear of failure or the fear of success (this a major one)
    Rebellion and resistance 

    What motivate you to take action NOW? Do you work with a priority list?  

    Do you know the difference between Procrastinator and non-Procrastinator? This a fact: Procrastinators are made not born? ~RW

    Join us for helpful tips on how to stop procrastination all together.

    Psychologist Piers Steel, said: non-Procrastinators tend to have high personality traits, like self-discipline, persistence, and personal responsibility.

    Schedule your free call with Coach Rea: http://MeetMe.so/CoachRea

    For information contact us at: http://YourLifeNow.info

    Disclaimer: The “Your Life Now” radio show is intended to be for information purpose and thoughts provoking. If you decided to use any of the information we provide on the show, you are agreeing to take full responsibility for your action.

  • 00:30

    3 Tips to Boost Your Credit Score

    in Motivation

    In today's episode Cliffunya & Kisha will discuss simple steps that you can take today that will increase your credit score.

    1. Keep your credit card balances below 30% of your max

    2.Auto pay off a credit card every month to zero

    3. Pay your bills on time. 35% of your score is payment history

    "If you don't take good care of your credit, then your credit won't take good care of you".-Tyler Gregory

  • 01:23

    How do you measure your position of importance in living for GOD?

    in Christianity

    Welcome, Welcome! January 2016 is flying by so fast it seems this year! We want to thank all of you who listen live ofr from the archives of our show.  We try to take a low key look at some things we discuss and other times we just let er rip and preach! Tonight, we are not sure what you are going to get.  Wild Bill was asked to preach last Sunday night and had a message he prepared but he admits that he was fighting to stay away from where GOD was leading him to go with the message.  He felt the message was more pastorial in nature and had a real problem in putting his notes together for it.  When he got behind the pulpit it was clear that the direction of the entire service that morning and through the worship part of the service was to preach what GOD had laid on his heart.  Bill is going to discuss this message with us tonight.  When you read your Bible, where do you see yourself in the scheme of things?  Are you like a baby who just keeps getting, getting, and getting even more where all you do is look cute, put perfume in the air, and cry for more?  Or are we supposed to be like a teenager and fit the things of GOD into our own little world based on what is fun and sounds real cool?  Could it be when we read words like faith, obediance, worship, praise, salt, light, and vessel...that we are to play a bigger part in this Christian Walk with GOD?  Hopefully this discussion from the message will bring some light to this topic tonight.  As always you have the ability to share your comments or ask questions as the end of each show.  Just push the number one on your phone and you will be identified by the last four digits of your phone number/ 

  • 01:26

    How can you draw teenagers to christ..

    in Christianity

    Can teenager be save in our society, with all this gang viloence, and dealing with the stress about being a teen. Sex before marriage, and our hip hop culture.. Also Prayer for Salvation 


    Dear God in heaven, I come to you in the name of Jesus. I acknowledge to You that I am a sinner, and I am sorry for my sins and the life that I have lived; I need your forgiveness.

    I believe that your only begotten Son Jesus Christ shed His precious blood on the cross at Calvary and died for my sins, and I am now willing to turn from my sin.

    You said in Your Holy Word, Romans 10:9 that if we confess the Lord our God and believe in our hearts that God raised Jesus from the dead, we shall be saved.

    Right now I confess Jesus as the Lord of my soul. With my heart, I believe that God raised Jesus from the dead. This very moment I accept Jesus Christ as my own personal Savior and according to His Word, right now I am saved.

    Thank you Jesus for your unlimited grace which has saved me from my sins. I thank you Jesus that your grace never leads to license, but rather it always leads to repentance. Therefore Lord Jesus transform my life so that I may bring glory and honor to you alone and not to myself.

    Thank you Jesus for dying for me and giving me eternal life. AMEN.

    We all sin a fall short of the Glory of God