Author Archives: Halley H.
Easy Credit Mistakes to Avoid – CreditCEO
Easy Credit Mistakes to Avoid Most of us realize that our credit report is reviewed when we apply for a credit card, mortgage, or car loan. However, it is often forgotten that your credit report may also be reviewed when you apply for auto or homeowner’s insurance, utility services, or a cell phone. Landlords often…
Credit Keywords EVERYONE Should Know.
Being at a lost when dealing with credit monitoring, repair, or maintenance can make it a very frustrating process. Here is a list of 5 keywords you should know and understand when reviewing your credit report and maintaining your finances. Credit Report is a detailed report based on a consumers credit history. Lenders…
Habits of the Elite 800+ Club
Habits of the Elite 800+ Club Have you ever wondered what you can do to join and maintain an 800+ credit score? Are you aware of all the benefits of being apart of the elite club of consumers? Building and maintaining an excellent credit score is may not be as hard as you may think,…
Credit Inquiries – Hard Inquiry vs Soft Inquiry
Credit Inquiries and Their Purpose There are two types of Credit Inquiries… Hard Inquiries, which can lower your credit score and Soft Inquiries, which don’t show on your credit report that lenders view. It’s important to know the difference between the two, as to many inquiries can potentially harm your credit score, lenders will also…
How To Get a Loan With Bad Credit
How to get a loan with low credit scores A low credit score can be a big setback in getting approved for a loan. If you have a not-so-fair financial history or if you are trying to build your report for the first time, it might be a little difficult for you to get cash.…
Banks VS Credit Unions… Where to Keep Your Money
Should I keep my money at the Bank or with a Credit Union? Banks vs Credit Unions… With all the media covering the banking scandals, people are asking, where should I keep my money? In a Bank or a Credit Union. The answer isn’t always simple, Credit Unions are AMAZING and I have accounts with…
CPN Number for Credit Repair- Is it Legal?
There are some major misconceptions about CPN Numbers. What is a CPN Number? It’s a Credit Protection Number and yes, there are legal reasons why someone (mostly a multi-millionaire or celebrity) would need one. In most cases, CPN Numbers are used for illegal purposes like Credit Repair Scams. If you hear someone trying to sell…
Building Credit With BAD or NO CREDIT
Building Credit with Bad or No Credit It’s one of those baffling questions that lingers to haunt us when it seems there is no hope, how on earth do you get good credit when no one will even approve you! It’s kind of an oxymoron type of situation, that we’ve actually dedicated our career to finding…
Are Debt Collection Fees Illegal? FDCPA Section 1692
Debt Collection Fee’s Legal? For years debt collection agencies have been breaking laws, hurting consumers and devastating credit scores. But what you might not know is that a lot of their practices may not be legal under the FDCPA. FDCPA and Your Rights The Fair Debt Collection Practices Act was created for the…
Spending More Then You Make
Spending More Then You Make If you are finding yourself spending more money then you bring to the table; you are not alone. The American consumer is finding themselves putting out more then they are bringing in, creating a crisis in rising debt with credit card lenders, student loans, and even medical bills. So who’s to blame…