Webinar: The 7 Most Costliest Mistakes You May Be Making Right Now and How They Impact Your Efforts To Clean Up Your Credit

While the Holidays are rolling full steam ahead, the end of the year is coming fast. Many families are out creating the Christmas season for their families and friends, and that is such a great opportunity to be afforded! 2015 has flown by so fast, I am still holding on to the wind as it has just been that kind of year. I wanted to take the time to create some great education and training for you to end your 2015 in better shape then you started. This coming Wednesday, December 23, 2015 at 4pm PST, I am hosting a amazing webinar "The 7 Most Costliest Mistakes You May Be Making Right Now and How They Impact Your Efforts To Clean Up Your Credit"

REGISTER NOW >>>>>http://alexisjones.enterthemeeting.com/m/XGDJ3J4P<<<<<<

This webinar will be packed with smarter tools and some very cutting edge products offered!
I have put a very cool FREE Report together and a companion Daily Planner and Checklist only available for download if you register. Why is this something super special? Let me explain.

For many years my consulting and mentor ship has been available to clients who came to me to help them correct past credit file mistakes and errors, and my company has been extremely successful with our services. What never gets offered are actual documented steps with the "to" and "the how" to go about things when dealing with credit file issues.  For the first time I made available a very special type of education in the form of a FREE report that I have never offered before. So, with that please take advantage of it. It's smart credit management education.








Be there or like we used to say as kids, "Or be Square!"

See you on the webinar!

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Order to Restoring Your Credit: 5 Tips to Credit repair success while in a credit repair program

It only takes a few mistakes and a little bad luck to find yourself in a credit situation you can't escape from easily. A few missed loan payments, extra debt from a lost job, or a loss in the family can be all it takes to put you in a bad position.

Working with a credit repair professional is an excellent way to get yourself back on the right track, but without hard work and perseverance, you may not get the results you're looking for. These five tips can help you stay on the road to success while involved in a credit repair program.

Pay Everything On Time

If you aren't paying current obligations on time, your credit will never improve. Take the time to post reminders, create a schedule, or set up automatic payments to ensure every obligation you have due gets paid prior to the deadlines, including all credit cards, loan payments, bills, fees, and any other financial obligations. Late payments can further damage your credit score, making a bad credit situation even worse.

Stay on Budget

A big part of effective credit restoration requires sticking with a budget. Without managing the money coming in, you can't manage the money going out, which means that you may not have enough left to pay your bills. No matter how much you want that popular expensive gadget or to take on a new car loan for your dream car, resist. There will be plenty of time to spend once your credit is back in good standing.

Stay in Contact With Your Advisor

If you don't keep your credit advisor in the loop, you'll never get the help you need. Rather than assuming your advisor knows what's going on in your life, keep the channels of communication open. Make sure you pass along all documents and statements you receive in order to keep your most valuable resource up to date. If your advisor doesn't know where you stand, it becomes much harder for you to receive appropriate help.

Manage Daily Spending

Do you know how much money you spend a day? Most people do not realize how much money they spend on a daily basis, especially when it comes to little things, like meals and snacks. Instead of charging everything on your credit card and hoping it works out, track your expenses every single day. You may be spending much more than you think and much more than you can afford, putting yourself in danger for additional credit problems down the road.

Focus on Your Goal

When you're on the road to credit repair, every move you make should be focused on your goals. Good credit is extremely important and without it, you may never be able to get a mortgage, secure good rates on a car loan, or even obtain a loan to start a new business. Start every day with your credit repair goals in mind, and stay enthusiastic and committed throughout the process. The harder you work, the more you'll have to show for it.

Credit repair programs have the potential to change your life, but only if you're willing to commit. By following these five steps, you can make the changes you want to see in your credit in a timely manner. It won't be easy, but dedication and effort are necessary to guarantee your transformation from below average to outstanding.

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Get back on track from the summer fun: 5 tips for Fall Success

Summer is a time for fun and frivolity, leading to luxuries in which we may not normally indulge. Before long, it's easy to find that you left your financial goals behind in favor or a laid back and carefree summer, spending more than usual and letting the debt build up. Getting your credit back on the right track isn't always an easy task, but with the right steps, you can make sure you're ready for fall.

1. Re-evaluate your situation

Before putting a plan in action, it's important to understand the damage. Whether you built up a little more debt than you expected, or fell behind on loan payments in all of your vacation planning, it's time to figure out exactly where you went wrong, or what help you may need. Take an honest look at your financial situation overall, including your debt, your loans, and the amount of money you have on hand. Without knowing where you went wrong, it's hard to find a fix.

2. Choose a priority

Instead of panicking over your entire financial situation, choose one thing that is of the most concern. If you accrued substantial debt over your summer, make that your mission. Defaulted on a loan? Focus on that instead. It might seem compelling to try to tackle it all at once, but this can end up creating bigger problems down the road when you lose focus and find your attention too divided.

3. Set a plan

The only way to rectify a bad situation is to change your habits, and that probably won't happen without a plan. The plan you choose will depend on the problem at hand and what means you have to fix it. If you've been late on your bills, for example, set a reminder in your calendar to make sure you don't miss another deadline. Whatever plan you create, take steps to make sure you follow it. Without proper follow through, you're never going to change your bad summer habits.

4. Focus on the day to day

A problem like a drop in credit score or credit card debt can take some time to fix, but it's important to take your plans one step at a time. Good habits now will lead to good results in the future, which is why everything you do today is a part of what will come tomorrow. Even though it might be compelling to charge an expensive purchase knowing that there will be time to pay it later, it's important to realize that fixing credit is a day to day process.

5. Get help if you need it

If you're not sure where to start with money management, professional help might be your best solution. Whether you're a first time homebuyer trying to raise your credit score or a young family with a lot of debt, assistance can be the difference between success and failure. When you need a plan or aren't sure what your priorities should be, a credit expert can help you figure out what your target can be and what it will take to bring your credit to the level you deserve.

Credit repair isn't easy, especially after a summer of fun. Luckily, no bad choice is permanent, and there's always something you can do to see results. By following these five tips, it'll be easier than ever to prepare yourself for fall success.

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Being In the Know with Credit Repair - 3 TIPS for Better Results

Summer is almost over and while many of my clients have been maintaining their credit repair commitments, there are always a few things that can have a tremendous amount of impact on how well things can go in any given credit situation. In today's post, I will share insights into what has been identified as pitfalls for lack luster results and ongoing credit problems that never go away.

 Credit problems began for many people as the result of poor habits with spending, saving and bank account management. Spending can be the ultimate destroyer of any kind of credit repair plan of actions because often times an individual will not have checked the credit card balance, the debit card charges activated in any given day and when or how deposits are credited to their own bank account. These types of situations result in the need for some type of credit repair assistance because the end result affects their credit rating. This may daunting because there so many inroads to credit problems; the tips I will share here, can help you when engaging in credit repair assistance.

TIP 1: Keep a close eye on what comes in the mail.
Credit challenged individuals and those that have developed poor habits, simply do not bother to check and read their mail. Bad on so many levels! You need to know what is being reported about you. The adviser working with you needs to know as well. Hard documentation can be the saving grace for you in certain critical situations. It helps when the documentation can be located and therefore your adviser can better help you achieve better results.



TIP 2: As stated in the opening of this post - maintaining all spending levels, use of credit and debut cards is extremely important. The fastest way to disaster is when money in flying around and nothing is being monitored. Many times, late payments are the result of absent-minded spending. Credit card companies impose late payments and fees when you least expect it. Those fees also accrue interest and can often be sighted for the root of credit problems because balances accrue faster.







TIP 3: Keep an active credit report monitoring service. You may see those commercials on credit score confusion, what is and how it affects you; the best way to manage and be responsible while working with an adviser is to keep a service that will provide up to the minute details, alerts and assist in the reconciliation of  the work in progress. It's a weapon that will help you in ways you cannot imagine! Credit repair is a smart option and is no longer in the stone ages as the industry is constantly changing. Being proactive is what gets you beyond the credit problems and helps you actualize what you can achieve for better results.

As the month of August is coming to end and perhaps you have not made the definite commitment to work on your credit and finances. There are a few more months this year to still get on it. The key is to stop procrastinating and be honest about what you want to achieve. Then have a real conversation with a competent adviser to activate a plan of action.

As always, we are here to help you. Our products are effective and offer some pretty cutting edge options. Don't let this year pass you by, get to it!

Check us out

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The Mindset of Money Management Part II

There is an energy to money and how it responds to the actions of an individual. You may have read and heard studies regarding this topic; while it may seem like some hooey...there is allot of truth to what transpires when money is not handled properly. People lose money all the time and money is made somewhere in the world by someone. All this is incredibly true and we know this because we "see" it. We see people making money doing all kinds of things. What we don't see is their habits, their conditioning, their actions and their resources to achieve the results their getting. In this article post, I am going to outline some tools I know that work and you can use to establish a better connector to your efforts in whatever goals you are after. This is part II to another article that was featured in HBA magazine and you can read that here.  

It has been well documented that what you think about it, you truly bring about in your own life and circumstances. Where money is concerned, that would be also true because in the lives of people I coach and mentor, they are often afraid about their future, their job situation, their finances. The fear they focus on so much, destroys the good in their lives in such a way that they overspend and when that money passes through their hands, it sends an energy to its destination and the results can be not so good. How can you stop this ugly wealth cancellation in your own life? Consider these tips to start.

1. Recognize YOU deserve to have money and what it can provide for you.

• Families often pass on the broke money mindset to their children. They must know that they can have and become what they dream about. That sneaking guilt kills the potential and robs the joy in discovering what their future could mean for them and you.

2. What YOU do today, directly impacts YOUR tomorrow.

• If you chose to not carve out time to read and educate yourself on why an extra $50 a month can help you pay off your car, your not taking your situation seriously. That same $50 which you would otherwise spend on Happy Hour once a week, could be your ticket to a better life and some greater opportunities.

3. Failure is simply another "F" word in the dictionary. It never defines you in the way, your own mind may think it does. Failure means:

• Not now
• Not with that person
• Not in that way
• Not by yourself
• Not your way
• Not forever

Failure destroys faith, focus, finances, friends and family because of the way YOU you look at a given situation. Money responds to all these things and we can control allot of this, by taking some personal inventory of what we want and need. After that is identified who and where can we get those needs from crucial. All the while, a certain level of responsibility exists for YOU in every area. 

Some key points to keep close in development:

Failure does not own you. Money can control you if you let the failure mindset in. 

Focus on your true desire with what that money can bring YOU and those you love; from there balance sets in at the core of your most intimate existence.

Finances are the overall result of your planning and commitments. They represent a broader effort.

Friends need to supportive of YOU...period.

Family is the ultimate to see any aspiration through. They will work your nerves and often challenge your core values. They may or may not understand why YOU are the way you are, but that is why they represent the hardest test you may ever face. Find a way to bridge the gap. Money and family can be a tough road, but in that test, you'll learn more about the world and how to be successful in it with what you earn and invest.

Money can be your greatest asset if you work on how you use it. 

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5 TIPS on Making Money Management Moves

Money management is something I introduce to my credit clients while they are working with us because we often see that money habits are never truly understood by most adults. Money problems can stem from a lot of things in some one's life and they can be hard to control when an income source has changed, gone away or is interrupted by some form of collection action. Making moves to get a clearer head means working on the thought process and framework in which we base our decisions. When I meet with clients, they are often spending a ton of money on things they can do without; things that can crush goals and dreams, and leave a mark of disaster. In today's article I want to highlight some money management moves that can you can activate this year in 2015. We need to often re-visit the basics so we can succeed.



1. Writing checks from your checking account is a management function. It is important to monitor when those checks are written, the money in the account the check is written against at that time.
This includes the use of debit cards as they are linked to a bank account often with check writing privileges and debit cards are essentially very much like an electronic check. NSF fees cost a fortune and can wreck a future money move.

2. Before you buy that Latte or coffee; ask yourself, could I use this very same money to pay down a debt I own? I see clients whom often cry broke and spend good money on goodies that can and would make a huge difference in their goals. $60 as month is a lot to throw away on coffee when you wan to get out of debt. Opportunities begin with small pots of cash like this and grow into a nice chunk of change that can be used for a money move. HINT, HINT...debt-free living.


3. It's hard to resist the itch to buy sometimes, between the ads on television and the shopping networks asking for money for something that you think you need, it takes a burning desire to achieve something to stay on point and not waiver. I believe that rewarding yourself is a great incentive to have the right reasons to spend on that major item you truly want and desire. Set goals, time lines and follow up for each achievement. Instead of spending all the money at once, set a goal, meet it and then using the money moves you made and saved from; reward yourself.

4. Get in the habit of saving! I know it's boring but when you see your accounts growing because you pay yourself by investing in yourself too; it's exhilarating. Doing this is easy as taking that same latte or coffee money and placing it in a interest bearing savings account; or if you can't cut cold turkey, at least deposit half of that spending money. Seeing money in that account, will motivate you to look for ways to get to your goals faster!

5. Maintain all commitments! One decision leads to another. That is in paying bills on time, maintaining your car, and keeping the proper insurance. Life is rough sometimes and the best way to stay on point to have the ability to do things on your terms, taking care of business is essential. Whatever you choose to do, stay on top of it. Making moves is all about management of your life and situations. Money is another factor in all of it, but it's how you do things that will tell the story ultimately.




Be wise, engaged and active in your circumstances. Time waits for nobody and you are in control always. It is the goal of this company to help people be proactive and seeking aggressively to be better in all areas of their lives. Money management is a tool for successful people who invest in themselves. Making moves is the reward of those that take money management seriously.

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The Critical Impact of Late Payments

Late payments are extremely damaging to an effort to build and establish a solid credit history with positive reported payments. In my line of work, I see often that late payments by potential clients are ignored and under-estimated. The critical impact is so intrusive and damaging, often potential clients simply are unable to grasp the concept that their habits and sometimes life situations can create a stigma while boxing them into payday loans and high interest rate borrowing of all kinds.

 To stop the behavior of overlooking due dates on obligations, some kind of reminder tool is needed. I often suggest to my clients and potential clients during consultations that identifying the triggers that create the problem they are wanting correct is incredibly important. Late payments tell a story a lot of time because they signal that a larger underlying problem exists. My clients come from all types of backgrounds and our conversations lead us from small business development challenges to identity theft. Many things can happen with a creditor relationship. I find that a lot of the time, loans and credit cards are abused because the money is there. The notion that late payments due in fact affect future borrowing is quite true and lenders are often unforgiving.

 Building credit history is directly dependent on how you make payments and how much you borrow in relation to your balance history. Every account has records of balance history. If you are notorious for spending up to the limit, that will have a negative impact with the lender. Lenders have a funny way of closing high balance accounts that appear to be failing.
Here are some very important points to remember:

• Banks and Lenders charge late fees! They often are high and interest accruing in some cases.
• If your credit was strong in the beginning and your interest rate was low, that can change and a higher interest rate can be applied.
• The Rule of 30-day lates is pretty true with almost every lender. Recently Discover has introduced new programs that forgive, however, most banks don't.
• Late payments cost in scores too - often anywhere from 45 - 90 points. 

If you discover that you have a late payment on a loan that has had otherwise, strong payment history, we have a service that has been extremely successful removing late payments. It's a game-changed because in many cases the account is destroyed and no longer helps your credit scores without this option.  Be careful, be mindful and take responsibility for your credit opportunities.

We hope you find this article helpful. Let us know.

Alexis - The Credit DIVA!

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Expert Help - How A Home Purchase Can Be The Change For Your Family in 2015

Helping clients achieve home ownership is one of the most rewarding experiences. For some time now, I have felt that the most successful decision for anyone or even a family, is buying a home.  In this field, clients have an arsenal to their advantage if used properly and products are positioned for timing, efficiency and results. So much goes on the lending world and although we have seen some tremendous economic havoc over the last few years, it simply doesn't change the power and wealth-building potential of real estate.

 So often it would appear buying a home is harder than ever; and we recognize the challenges anyone can face when getting through the lending process. Interest rates are very low right now and with the right team, you can achieve your goal! In today's post, I would like to introduce to you, our performance magazine for success in home ownership with our team of experts, Home Buyer's Assistance e-magazine. It is designed to help anyone gather knowledge, clarity, faith, and perseverance to move forward. I have created this e-magazine to provide a tool for future home owners for the first time or investing over time to understand and identify good leadership within the complexities of real estate ownership and lending.
I profile some the smartest, caring and aggressive advocates to help you secure your dream. You will learn about what is new and timely in the difference loan programs and how professionals fit into the decisions you may need to make.

 You deserve the smartest insights to this complex process and getting to know advocates, professionals and industry information that will have a extremely positive impact on where you see home ownership taking you investment opportunities.
One area that keeps so much confusion for many people is recognizing what the Purchase Process looks like. So often, the disconnect about that alone keeps the overwhelm activated and stops progress. You do not have figure this out by yourself and we hope you find this edition helpful in your financial goal setting.

 Buying a home is a big commitment and requires setting some goals. It helps to grab some understanding in what it takes, who is helping those get there, and what kind of challenges are met along the way. This is one a labor of love for people we love to help. We are committed to do all we can to help our clients. Let us know what you think about this publication, we are excited to continue bring better systems to you.


http://www.getgr8tcreditvip.com/hba/issue2/index.html

Enjoy!

Alexis - The Credit DIVA!

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Winning in Credit Repair - Mastering Your Unique Situation is the Key

Winning in Credit Repair is in fact possible. You may now have a  better sense of how credit repair works if you read my last article on Credit Scores - Recognizing Their Impact and Leverage. Our industry has been abused over the years and very misrepresented by even other professionals in our field. Today more than ever, you need to get a handle on what you need to do and how to achieve the desired affect for your goals. Many things will have some credence on your overall credit picture. In today'article, I will highlight an area that has many people pretty fouled up. Tax Liens are a critical component of distress for alot of people. Tax Liens do in fact affect your credit scores and payment history. 

I have seen how ugly they get and how crazy the balances grow.  Credit repair does have a positive affect on Tax Liens. I will share that there are many ways we can help a client with credit report issues with old liens and we have even been successful removing current ones. In recent years, the IRS has been very proactive in their position of not removing current tax liens from credit files, but it is not necessarily written in stone that they will not come off your credit reports. What I want to convey here is that you have to address your own unique needs and master those areas. Credit repair is not a one-sized fit all solution in itself. Our capacities are proprietary as your learning from the articles I post here. I want to highlight a Client Success Focus on Maurice. Check out what his unique situation is looking like, click Here.  Maurice came to me with 25 accounts not at all helping his credit score. His greatest aggravation was Tax liens and no open lines of credit. He enrolled with us to get his credit together last August 2014. By January 2015, his credit profile had changed tremendously. He now has 17 deleted accounts. 

That is some pretty awesome improvements! His situation was quite different and he is proof that your situation can have a success story. What we are accomplishing for our clients is incredible because we help with the total process. Credit repair is just the beginning. It's simply a tool and with it, you can master your own unique situation with the help of the right people. Fear is not your friend!

Denial is crippling and will not serve any purpose. Action is necessary to get from where you are to where you see yourself going. How you spend you resources impacts progress. How you view your own beliefs and outlook impacts those who can help you. Your WHY has to be so big - you need help to get there!! 

I hope you find this article helpful. Perhaps it will draw fire to your core so you can not let this year pass you by.

Cheers to your future!

Alexis - The Credit DIVA!

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Credit Scores - Recognizing Their Impact and Leverage Part 2

I hope you have enjoyed the great content as you shape your goals for 2015. If you have been following our Facebook Fan page, you can often find some great primer's on the direction things are going in the marketplace and insight to personal development. In today's article I want to share why credit repair can be the strongest tool when carefully designed and structured with a credit building system. All credit repair is not created equal. Results, timing and clear understanding of all things driving the infrastructure of our financial back-drop makes a huge difference for any client.

For many years when I started this company, I saw that education was lacking for many families and even professionals seeking to broaden their advancement. Life is only as opportunistic as your prepared to move in any direction that requires money. Cash will always be king because its liquid for the most part. However, credit instruments will allow for a greater advantage when investing and even for simpler things like emergencies. 

My ideas about family help, knowledge, generational preparedness, education for children and all of that shaping our economic advances for home ownership. I believe every family should become homeowners, its how wealth can even begin to show up and progress in some one's life. The information I share on this site is always more cutting edge than anyplace else on the web because of it's roots in caring about the successes for our clients. We not only service clients who seek help, but we also service other advisers in the credit, banking and financial industries. I learned early that helping them made for better service, understanding and smarter tools for our clients and theirs.

One thing that continues to plague credit challenged individuals and families is how to make credit repair work, how to restore leverage and what is the true impact of credit scores. So how can you make credit repair work? The answer is multifaceted and complex but I share some ways my team and I have found what makes the difference. First, credit repair in most cases is the strongest agent to restore problems with credit history. 

As a full-service company; our clients are brought through allot of situations that often begin personally and play out financially. We coach them, encourage them and identify their triggers. Money is a magnet and triggers help us see what keeps them in their situation. Credit repair in the scientific sense is the mastery of the academics of what the credit bureaus capture, the lending climate expects and recognizes; the economic activities and long range leverage planning. Every person needs to understand that our world is driven by these factors. Credit repair is a simple way we explain the initial system at work. It can rectify changes needed by someone in trouble. Credit repair is not a scam nor a one-sized solution for anyone. It's real and works; but not everyone can make it work and help people achieve their goals. No one starts credit repair without some kind of goal. 

Attracting the credit leverage you seek takes some clear core competencies on the behalf of the professional you may be working with. Credit repair now is harder because many of the clients I work with have been in some serious trouble and have owned real estate previously. Credit repair alone for them is not the answer. They are often coming back from some hard hits! So what makes what I do and that of my team different? We build custom products and services for our clients. We have mastered some things that this market simply doesn't have figured out. We love to see our clients get that dream house, finance that business and go on to build successful lives. It's because of that kind of commitment, we see great things happen. 

I hope you find this article helpful. I encourage you to commit to your goals and not let credit problems of the past stop you. It's a new year and time waits for no one!

We are here to help!

Cheers to your 2015 Life!

Alexis - The Credit DIVA!

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How to Get Focused and Coordinated to Handle Your Credit Goals

Stop letting "crazy" run your life, your goals are at stake! In this feature post we will discuss and explore how to get from crazy to focused, coordinated and less overwhelmed. It's crucial you identify your triggers now because this year will fly by so lightening fast; you will wonder what went wrong. Triggers? Yes, triggers, those things that stop your progress when you swore you would "do better this year". Triggers often take shape when you are overwhelmed, aggravated and been pushed to limit. Sometimes being focused is more about recognizing what helps get there and stay there and do so without added stress. 

 Triggers can be such a drain on your brain! What do they affect? Your thoughts capture a trigger. A whole lot of thinking, more thinking and hormones induced because of the thinking of what is wrong, why it's wrong, how it's wrong...etc, etc,.  This kind of rampant agony can stop the kind of focus that produces results. When a credit problem has worked your last nerve, you have to prioritize your emotions because it will take a toll on you.  

Becoming a clear headed individual on a mission means, creating a "Priority List" of "To-Do's" based on categorized tasks. Then those tasks can be accomplished by a window of time and based on your exit strategy to achieve the "end-goal". Some people task way too many things to do and then worry about the list. Credit repair and coordination of those goals to meet each task whether its about a loan, a business plan, an investment of just to get financially in order; does take "planning".  While you feel like you can handle it by yourself, we have found it takes a team to coordinate problems to resolution. I meet people who often want the world and have no true desire to meet themselves on any size commitment. It's honestly baffling! People come to me with every kind of angle. Then sometimes there are the people with no angle and just function in their "biziness" going no where. After years of experiencing this, I have discovered its rooted in how we function as people.  We are generally uncoordinated as specially when we are stressed out. 
 How can you get focused when things are "crazy"?
4 steps in Getting Focused:

1. Change how you thin about your problems; Our minds start running like water and it sometimes it doesn't stop. If you identify those "stress" triggers. You can improve your goal management quickly.

2. Multi-tasking is draining and must be limited: Some people are born to task their tails off. I am one of them; but even I have limits. Identify the priority in each given day and multi-task based on totality if you can handle that. Priorities are meant to remind you and not overwhelm you.

3. Coordinating your timeline of problem requires focusing in the now: What is within your control today is what will propel tomorrow. Thinking to far into a situation that requires interment steps creates alot insecurity and tons of overwhelm.

4. Get HELP! We are in a do it yourself world and much as I can truly understand that; frustration and stress often can be beat with the help someone able, willing and capable to work with you on your goal all the way to the solution.



Make 2015 your best year yet! Get clear, focused and have a commitment to yourself first and foremost. Wanting and even desiring a better life, more money, amazing credit and just a feeling of security in your direction takes a pure and honest personal assessment of you. 

Cheers to your success!

Alexis - The Credit DIVA!

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How Pre-Approved Credit Offers Are Sent To You

In today's post, I intend to shed some light on what goes on with someone's personal identifying information and the relationship to "Pre-Approved or Pre-Screened Credit Offers". While many times a credit offer coming in the mail seems like a cool thing; it is often the result of soft inquiries or screenings from various banks, marketing and/or lending institutions whom have an interest in promoting to the general public.  A lot of data, research and sometimes even your spending habits attract certain types of mail you may receive that has been prompted by a recent purchase, a survey, an online movie, a visit to the mall and even those easy breezy credit applications for a weekend jewelry store counter visit. So many things are captured in the way you may use your current personal information to go about your daily life.


   Now this post is not intended to create fear in what you have experienced for a long time, but awareness is important because of the new ways of manipulation that do in fact affect your understanding of how and why you may notice a company that has gathered some data on you. The action of pre-screening you generates those mailed offers and in some instances, the knowledge of your credit potential is revealed. If you have good credit and want some low-interest rate credit or loans; this action could be appealing.  If your credit is going through a patch and you are sensitive to what and whom can see your reports than that is something you can control.

 Junk mail is the leading annoying factor in those special sale opportunities for potential credit promotions designed to get your attention and consider the offer.  Bad credit promotions are even more aggressive as the interest rates on those offers are generally so high and outrageous, many people get in a bad situation with funky fees and auto-billings.  In an earlier post, you can check out how and why ordering your Annual Credit Report is the beginning of tracking these types of activities. If you haven't done so, take the time to order your reports. You should know what and who is checking up on you. You can do so for free at www.annualcreditreport.com. This website does not provide credit scores for free.

 There was a time when having a bad or challenged credit history could save you from pirates and thieves, but all that has gone away with Cyber activity and the use of stolen data. Even in situation where your credit score is not directly impacted by some kind of breach, your "liking or personal details" are in fact on the hook. A new persona can be created without your social security number. Be your champion this year and get your mind on your credit business. Your future does depend on it. I hope you enjoyed this post. Let us know how we can help you with your goals.

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Credit Scores - Recognizing Their Impact and Leverage

Credit scores are such an integral part of our lives as decisions related to investment, spending and lending are intricately intertwined. There are simply very few places anyone can go and credit scores are not apart of a situation when money is needed. Do you ever wonder how to protect how your information is accessed? What about how to maximize loan approvals? Do you feel that restoring your credit situation is overwhelming and hard to manage? Are you tired of being penalized for late payments, medical situations or even divorce that has truly screwed up your credit scores? Well, I have some great news because I will be writing a series on all these areas and more over the next few months. In some cases I will share case studies of clients we help restore their problem credit credit situations and ultimately win. How often does that happen? A lot more than you realize.

Credit scores can ruin your life of you are not taking some responsibility to address things that happen to in your life. We see our clients recover from things like:

• Tax liens
• Foreclosure
• Child support
• Bankruptcy/Short-sale
• Auto reposessions
• and more

Being turned down is the worst for any of things. Not understanding why is the pits! Credit scores can make your life easier or quite difficult when not used to create the best circumstances for your goals. Small business owners, entreprenuers, and even part-time freelancers often need to borrow money. Every choice made up until that point, is up for review by a lender. Students trying to go to school are plagued by never-ending borrowing to finish school and those loans will never be forgiven unless approved by actions of government.  This is the time to renew your commitment to develop a mindset of management and clarity in all things about your credit. Identity theft is growing leaps and bounds as well.  

 Bad Credit has become the norm and great credit something people think is elusive and hard to achieve. You just have work with someone who can help you get where you want to be. There is only 12 months in a year and it goes by pretty fast. You can be winner and stop being left out because of past problems. Living with bad credit is not necessary, but it is choice if you are not working on your habits that have created your situation.

The things that create the atmosphere of fearing credit scores and what someone has access to about your personal information is important to know. I have personally experienced identity theft not once but three times! It's troubling to deal with someone running around using your information and being about to get loans, accept mail and even file taxes. I sincerely hope you will be engaged and committed to activating your attention to the areas I share in this article if they impact you in some way. Articles will be posted here and in our magazine. 

2015 is your year and we are here to help you achieve your goals. 

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