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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.
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 .
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.
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
What is shralping? It is the act of shredding and ripping at the same time whether you are on a skateboard, surfboard, or snowboard it doesn't matter as long as you shralp! If this applies to you, then you definitely want to listen to this week's show as we have the opportunity to speak with Luke Ayata, the President of the Shralpers Union. Join us as we find out not only who this group is, but also what they do and where they are going! This Saturday, January 23rd at 11:00 p.m. ET.
This week The Car Man will discuss what people need to know when looking to buy a car and they have bad credit. This show is an extension of the live broadcast of The Car Man Show Las Vegas on KCEP POWER 88 RADIO.
Hosted by Connor Cummings of Union Nation, Mark Cole, Founder of the Philadelphia Union Discussion Group and President of the East End Army, and Eevry Goren, Admin of the Philadelphia Union Discussion Group, a More Perfect Union breaks down the MLS offseason so far including the Union's star studded draft.
You are Love Inside. Your Natural Basic Instinct is Love. You are a powerful creator, but you are creating from the place you are feeling. Let's talk about Love, when you learn to follow your gut instinct and direct only yourself and help others follow their own gut instinct you attract that higher love.
All our Love 'Adam & Eve & Heart Energy' by Christine Kowal available at Amazon, Balboa Press, Indigo, Barnes and Noble
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
You're in the church, but is God really leading you? It's time to do spiritual inventory. A self assessment on your relationship with God. Are you with him because of things, or becyou want him to co-sign your agenda? Tune in tonight to hear what the spirit is saying
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