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!

Read more »

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.

Read more »

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. 

Read more »