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Our team helps you get a better understanding of the credit process, and finance as a whole. Learning didn't stop in college. Credit is a learned skill and we are here to help you develop your credit skills..

As subprime auto borrowers default, collection suits pile up

10:10 PM Alexis P. Jones, The Credit DIVA

The vast majority of cases resulted in a judgment against the defendant, after which the lender often sought to garnish wages from the borrower. The lawsuits they file represent just a portion of the suits against local subprime borrowers, which are ... #garnishedwages
garnishedwages


How Financial Problems Can Torpedo Your Relationship

3:51 PM Alexis P. Jones, The Credit DIVA

Hiding a credit card account from your spouse. ... “Relationships are all about trust and communication, and if one partner spends the other's bank or lies about finances, this causes a real rift in the relationship,” said Samantha Daniels, founder of ... #sharingabankaccountwithspouse
sharingabankaccountwithspouse


Rising car costs no reason to take predatory car loans

5:40 PM Alexis P. Jones, The Credit DIVA

It's that time of year again when days are longer, temperatures are higher and auto dealers advertise some of the most tempting deals. #carloans
carloans


I Have Too Many Credit Cards

2:20 PM Alexis P. Jones, The Credit DIVA

What Can I Do? When you close a credit card, you directly impact your credit scores in three ways: You reduce your overall credit limit on your revolving accounts, impact the age of your credit history and potentially hurt your mix of accounts, too. #creditcards
creditcards


The single best way to protect yourself against credit card fraud

12:30 PM Alexis P. Jones, The Credit DIVA

A few weeks ago, our own Charlie Osborne wrote about her personal experience with credit card fraud in Here's the one surprising lesson I learned as a victim of debit card fraud. #creditcards
creditcards


RESTRUCTURING DEBT: CAN A LOW INTEREST RATE LOAN BOOST YOUR CREDIT SCORES

8:20 PM Alexis P. Jones, The Credit DIVA

Credit score improvement is a big deal for anyone seeking to increase their scores. The challenge is what truly works and why does it work. Boosting credit scores is all about structure, debt management, types of credit and timing of credit account development. That may sound like a whole lot of fluff, but it is all the way truth. When there is alot of debt in someone’s life and that debt is tying them up in a way that their a personal credit scores suffer, than that becomes a very stressful situation. #creditscoreboost
creditscoreboost


Divorce, property settlements, and bankruptcy (#2 )

5:52 PM Alexis P. Jones, The Credit DIVA

If a spouse of a married couple files bankruptcy, a later property settlement might have unintended results. Let's see why. #bankruptcyanddivorce
bankruptcyanddivorce


9 Credit Lessons You Can Learn From The Game of Thrones

10:30 PM Alexis P. Jones, The Credit DIVA

If you’re a fan of “Game of Thrones,” you can apply some of the show’s lessons to your financial life. Here are nine credit lessons the characters have inadvertently taught us over the last six seasons. (And, warning, there are spoilers ahead for those of you who haven’t caught up.)


I spent my life in debt

7:20 PM Alexis P. Jones, The Credit DIVA

Now I know childhood trauma was to blame I opened my first checking account in high school, and when I ran out of money I wrote bad checks to buy my friends lunch and go to the movies. #maxedoutcredit
maxedoutcredit


Divorcing with dignity: How modern exes are treating a split as an awakening

1:20 PM Alexis P. Jones, The Credit DIVA

The advent of no-fault divorce in this country in 1968 brought the first pivotal shift: Canadians could divorce simply for falling out of love following a separation period; no longer was cruelty or adultery - polarizing good-guy/bad-guy scenarios ... #womenanddivorceandcredit
womenanddivorceandcredit


5 Reasons For a Prenup--Even if You Aren't a Celebrity

3:30 PM Alexis P. Jones, The Credit DIVA

There's nothing classically romantic about prenuptial agreements. Most couples willfully avoid them because they don't want to ruin their blissful idea of a marriage lasting until death do they part. #bankruptcyanddivorce
bankruptcyanddivorce


10 Best and Worst Ways to Handle Financial Stress

12:10 PM Alexis P. Jones, The Credit DIVA

If you don't talk about it now, and work out a solution, “you'll eventually be talking about it, but it will be because you're speaking with an attorney about bankruptcy,” he said. Instead, it's best to open up about your financial stress when you ... #bankruptcyanddivorce
bankruptcyanddivorce


Moving out: Everything clients need to know about moving insurance

6:10 PM Alexis P. Jones, The Credit DIVA

It is also assumed that even if the movers don't cover everything, a client's Homeowners' or renters' insurance policy will pick up the slack. In reality, most Homeowners' or renters' insurance policies only cover household goods while they are inside ... #rentersinsurance
rentersinsurance


5 side gigs that can make you richer

3:20 PM Alexis P. Jones, The Credit DIVA

Whether you want to pay off student loan debt, save for a big-ticket purchase or build up a rainy-day fund, working a side job is a great way to reach your goal. #extramoneyanddebtpayoff
extramoneyanddebtpayoff


Help! I Can't Get an Apartment Because of a Credit Report Error

9:30 PM Alexis P. Jones, The Credit DIVA

While some landlords do pull a standard version of your credit report, many also check your past payment history with a speciality rental reporting bureau, Joel Winston, a New York–based privacy attorney who runs the website SpecialtyCreditReport.com ... #badcreditandrenting
badcreditandrenting


6 Times Your Credit Report Is More Important Than You Think

7:20 PM Alexis P. Jones, The Credit DIVA

“It can show signs of financial stress,” Griffin said of a poor credit report. “It makes you a greater ... up for a volunteer gig. #badcreditandbackgroundchecks
badcreditandbackgroundchecks


After Sending Armed Agents To Seize Bank Accounts, IRS Announces New Policy To Return Assets

5:10 PM Alexis P. Jones, The Credit DIVA

After seizing millions of dollars from hundreds of Americans, without ever accusing them of criminal wrongdoing, the Internal Revenue Service has created a new procedure for property owners to retrieve taken cash. #bankaccount
bankaccount


Credit, debit cards with chips and strips are better than no chip at all: Money Matters

2:20 PM Alexis P. Jones, The Credit DIVA

With that chip transaction, it will be difficult (if not impossible) for a hacker to steal the information from that transaction and use it to create a counterfeit card to suck money out of your checking account. This is what happened in the case I ... #creditandmoney
creditandmoney


11 Starbucks Money-Saving Hacks

12:00 PM Alexis P. Jones, The Credit DIVA

[Editor's Note: Cutting back on your regular expenses can help you budget better and even pay down debt or save for a financial goal like a new house, car or vacation. #creditandmoney
creditandmoney


Do You Have Money Anxiety? Here's How To Take Charge Of Three Major Areas

7:30 PM Alexis P. Jones, The Credit DIVA

woman hiking flexing bicep By Marisa Torrieri. This story originally appeared on LearnVest. When you think about your money, what comes to mind? #studentloansandcreditrepair
studentloansandcreditrepair


6 Ways to Avoid Getting Rejected for a Credit Card

4:20 PM Alexis P. Jones, The Credit DIVA

Just as students are counseled not to apply to elite colleges unless they have very high grades, there is no sense in applying for a credit card that requires an excellent credit history unless you have one. In general, different credit cards are ... #credithistory
credithistory


9 steps to building a $10000 emergency fund

1:40 PM Alexis P. Jones, The Credit DIVA

Building up your savings isn't easy. After all, a whopping 62 percent of Americans have under $1,000 in savings, found a GOBankingRates survey. #debitcardsandhotels
debitcardsandhotels


#bankruptcyisnotforever - means getting your business in order to buy your home

1:30 PM Alexis P. Jones, The Credit DIVA

Taking the measures by making the commitment to get the help you need.


Investing the 'Beyonce way'

9:20 PM Alexis P. Jones, The Credit DIVA

Some women hesitate to invest for years. That can be extremely harmful to investment performance, notes Krawcheck. 3. Women let their partners (often men) control the money. It's more important than ever for women to take charge of their investing ... #womenwithmoneysuccess
womenwithmoneysuccess


10 Tips to Owning Your Financial Future

7:00 PM Alexis P. Jones, The Credit DIVA

ESSENCE.com asked 10 successful business women in diverse fields to share what they think is needed to achieve financial success and stability. We wanted the inside track on what they share with their family and friends when speaking by phone. #financialsuccess
financialsuccess


To love, honor and share a credit card statement: Study finds financial infidelity on the rise

3:31 PM Alexis P. Jones, The Credit DIVA

A study by Harris Poll for the National Endowment for Financial Education finds that two in five Americans who have combined finances admit to lying to their partner or hiding information about money matters. And it's on the rise - 42 percent of those ... #whycreditmatters
whycreditmatters


Good health, savings contribute to happiness

12:10 PM Alexis P. Jones, The Credit DIVA

In the classic financial book “The Millionaire Next Door,” Thomas Stanley researched the common traits of millionaires during the 1990s. ... Tell them stories from your childhood, including lessons you have learned from your experience with money. This ... #moneylessonsfrommillionaires
moneylessonsfrommillionaires


Americans are most anxious over unexpected expenses, survey shows

11:00 AM Alexis P. Jones, The Credit DIVA

... 9 percent opted for that) or even to stop working altogether (although 15 percent did say they'd do that if they could). Instead, they opted for buying a home (34 percent) and leaving money to loved ones so that they would feel financially secure ... #feelingfinanciallysecure
feelingfinanciallysecure


What Women Must Know About Money and Divorce

4:49 PM Alexis P. Jones, The Credit DIVA

“Studies reveal that in the first year after divorce, the wife's standard of living may drop almost 27%, while the husband's may increase by as much as 10%,” says Carla Dearing, CEO of SUM180, an online financial planning service created by women for ... #becomingfinanciallysecure
becomingfinanciallysecure


Parents Take Note: There is More To Success Than The Money You Make For Your Kids

5:34 PM Alexis P. Jones, The Credit DIVA

Any parent would agree that if asked the question if they want their kids to be successful the answer would be a resounding yes. #moneysuccess
moneysuccess


Happy Friday! #TGIF

2:34 PM Alexis P. Jones, The Credit DIVA

Happy Friday! #TGIF
TGIF


3 Reasons Why Planning for Retirement (Post Bankruptcy) is Crucial

9:45 PM Alexis P. Jones, The Credit DIVA

control.

Your wake up and wonder how did it get this crazy? Your mind keeps telling you that you can work it out, and every day it is not getting worked out because maybe the money wasn't coming in fast enough or there was a great deal of oversight and surprises that kept money management very difficult to get a handle on. It happens to more families and singles as well. The time passes so fast when your going through some tough times.

Making a comeback is important and needs to be addressed sooner than later when the income situation is stable again. You must have the ability to set aside some cash to put the foundation for your life back on it's feet. Planning for retirement may seem like no big deal, but when you've lost time and earning power, it is crucial to put it back in motion. The 3 Reasons Why Planning For Your Retirement Post Bankruptcy is Crucial is because,

1. You cannot always make up for time in the physical sense. Money leverage can be achieved with the right investment strategy and a clear layout of where you are.



2. They say it's not what you make, but what you save that matters. This is key because saving is how you can protect yourself as your life and needs evolve. We are entering to a new economic chapter in the U.S., a new President is on the way and you have to be smart about your money choices.




3. Retirement costs are rising for even the 40 to 50 year olds because, we are living longer lives and it costs a lot to live longer with good health. Cost of living, food, shelter and a good quality of life requires better planning. 



Setting a goal to strategically put your money to work for you and your future is the next step. Bankruptcy can give you a fresh start and allow four a newer, better, and stronger foundation to develop. Everyone sleeps better when they have finally taken the steps to plan and invest.

If your retirement planning is not on path and you would like a needs analysis and consultation, we have a knowledgeable team of advisors that can help you achieve your financial goals for retirement.
Get Help!

Are you still struggling to correct past problem credit issues?
We are knowledgeable and have an entire system of services, tools and resources to help you get your credit back on track! Book a strategic credit consultation today.  Get Help!




What is the single best piece of financial advice you can give?

7:20 PM Alexis P. Jones, The Credit DIVA

The single best piece of advice is to diversify, diversify, diversify. Investors should firstly diversify by asset class. We use eight asset classes in client portfolios: cash, domestic fixed income, international fixed income, property, defensive ... #personalgrowthandmoney
personalgrowthandmoney


Millennials challenged by funding modern retirement

2:51 PM Alexis P. Jones, The Credit DIVA

Indeed, financial advisors see more young adults - compared to previous generations at their age - making their personal and social life a high priority instead of focusing solely on work, buying a house and raising a family. #personalgrowthandmoney
personalgrowthandmoney


The Difference Between a Debt's “Statute of Limitations” and Your Credit History

10:32 PM Alexis P. Jones, The Credit DIVA

The Difference Between a Debt's “Statute of Limitations” and Your Credit History You have to be careful with debt collectors because dealing with them can affect your finances in some unexpected ways. For instance, agreeing to repay a debt can restart your debt's “statute of limitations. #confusionaboutcredit
confusionaboutcredit


5 Tips to Rebuild from Bankruptcy

10:15 PM Alexis P. Jones, The Credit DIVA

Bankruptcy has become one of the most used legal decisions to financially recover for many families. The stress, anguish, embarassment and the out of control feeling that comes with the process doesn't make the situation any easier to bear especially when an employer is involved in some way.

The court system is daunting because of the paperwork, the filings, the record keeping and all the while you may began to wonder, "what do I do now?" The entire process must be handled with care and great detail all the while, your hoping to not have to give up everything to the court system.

Rebuilding your credit file should begin right after the bankruptcy is discharged. The longer you wait, the more time you must commit to restoring your credit worthiness. By federal law, a bankruptcy can remain on your credit reports for up to 10 years. It does not have to and you can began building using these 5 Tips to Start Rebuilding Your Credit.

1. Open a new bank account with a credit union preferably.
The reason for this, is because anything old from your bankruptcy attached to an existing bank account will not benefit you. Additionally, you want to start fresh.




2. Open a credit monitoring account to keep a close eye on your credit reports and scores. This service we have found offers some of the greatest protection for credit files as well as personal identifying information. All 3 credit reports from the big 3 credit bureaus included with the scores. 
Manage your credit files

3. Check out your credit reports, examine where you are and if your scores are still too low and the old derogatory accounts is still reporting, you need Credit Clean-up. Acquiring new credit will be challenging if there is not enough positive credit history to start fresh. A true fresh start means, cleaning up the old and building new clean credit.


4. 35% of your credit scores are based on positive payment history, therefore whatever you open that requires a credit check, i.e. Cellular phone service, utilities; will reflect on your credit reports and you must start off your new credit life with on-time payments.  To begin rebuilding, open a jewelry account where you can get instant credit. This is a small but crucial step to help you began building new accounts that will help boost your credit. SUPER CREDIT TIP: Add credit boosting accounts, download our FREE REPORT

5. Establish alerts for your new bank account. The purpose of this is to maintain absolute 100% order in when, how, why, what is attached to transactions flowing through your new account. This will go a long way in rebuilding your credit. It's pretty tough to move forward with strong credit files and scores when there are banking issues arising. 
SUPER CREDIT TIP: MINT is a smarter way to maintain control of your money, consider this as an easy way to stay on task 



Looking for a competent, knowledgeable and professional credit professional? We are long-time advocates and educators of credit repair and restoration. We have a full-service suite of credit repair and rebuilding resources. Get help from industry insiders today! Book a consultation either via the web or by phone. Get credit help! or 888-503-3382.