Author Archives: Halley H.

How to Get a (FICO) Credit Score

 HOW TO GET A (FICO) CREDIT SCORE  & WHAT THE MINIMUM REQUIREMENTS ARE TO HAVE A (FICO) CREDIT SCORE A FICO credit score is the most commonly used credit model that lenders use to approve or deny a loan.  So what happens if your credit score sits at a zero? Lets go over the minimal requirements…

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How to Schedule a Free Credit Consultation

  Scheduling your free credit consultation is a simple process that can be done in just three easy steps.           STEP ONE If you are ready to begin removing negative and delinquent accounts from your credit report FOREVER to maximize your full credit potential begin by visiting our website, and become familiar…

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Pay as You Earn Student Loans

You may have heard about President Barack Obama’s new Education Reconciliation Act in which allows student borrowers new options on how they repay their student loans. The initiative was created by the Middle-Class Task Force, chaired by Vice President Biden and expects 1.2 million borrowers to qualify in the expanded program.    Pay As You…

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5 ways to protect your identity this holiday season.

      Yes you read correctly…IDENTITY THEFT! So before you start clicking away on deals online that seem to be to good to be true, or swiping away at that plastic visa card of yours, I want you to take a moment and make sure you are taking the right precautions before releasing any of your…

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Consumers with Bad Credit

Nobody can deny the fact that we’ve all been plagued with either bad credit, late payments, or collection accounts that have knocked our credit ratings down a few points. And lets face it, we’re not all financial geniuses or planners, and sometimes we just need a little guidance on how and where are financial priorities…

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Credit Myth BUSTED

    Marrying Less Then Perfect Credit    Are you thinking about settling down and popping the question to your long-time partner, but are concerned about adopting their less then perfect credit after marriage? Did you know, that you don’t actually adopt your partners credit, and continue to own your personal credit report that you…

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How to Remove a Public Record

Tax Liens, Judgments, and Bankruptcy… OH MY!  Are you finding your self overwhelmed and embarrassed with tax liens, judgments, and even bankruptcy? In all actuality, these public records are harder to remove from your credit report then you’d think. There is absolutely no 100% guarantee that ANY credit repair company can assure the removal of…

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The Truth About Student Loans…

  Do you have past derogatory student loans, weighing your credit down with low scores? Unfortunately there’s no quick easy solution to remedy this situation, and they can be some of the hardest accounts to remove. If your loan was through federal student loans, derogatory information can even report indefinitely! This means the accounts do…

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Establishing Good Credit

Establishing Good Credit   Establishing credit can be one of the best ways to start your financial future. If you never had to use credit before, congratulations! Paying cash for your necessities can be much less stressful when it comes to credit card payments, loan payments, and even interest rates. But if you are young,…

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Credit Rights

Just Sign On The Dotted Line.. Have you ever read the entire terms and agreement contract prior to signing your rights over to the credit card companies? If your answer is no, your just like millions of other American’s who don’t have the time to read the lengthy contract word for word…but how this affects you…

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