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.