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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IMPORTANCE OF AN ANNUAL CREDIT FILE REVIEW - PROTECT YOURSELF

Staying on top of your very personal credit situation is a critical component of any kind of recovery effort. Many times in my conversations with my clients, it is often revealed they have no idea what is happening with their credit files. It's daunting to live your life every day and make an appointment to see the dentist, a medical professional, your kids school teacher, and even your Tax Advisor; but have no idea what is going on with your credit files! In today's article, I will outline 5 reasons to monitor your credit situation and those that have access to your information.

 Your ability to stay off any foul play, misuse or representation based on illegal access to your personal credit information can only be further progressed if you bother to manage your credit files to begin with. Waiting until your car breaks down is a terrible time to discover you need to buy a new one and learn after an application for a loan has been submitted that you can only buy an older car and not a one based on your credit score. What a way to find out, your credit is in the toilet! So, reason #1 is monitoring your credit files and scores.

1. A credit file monitoring service like Credit Check Total or Score Watch are great programs as they send you an email when someone access your credit files to review almost immediately if not within 24 hours. Know sooner than later what is likely to impact a critical decision that involves your credit scores. The other benefit some companies actually provide insurance to help you restore problems when there has been some kind of breach involving large companies.

2. Identity Theft is simply the ugliest thing that ever reared its head with life changing
consequences. It happens in such a way that people spend years cleaning it up and restoring order to their lives. I have personally used a website called, http://www.idwatchdog.com/. They have some amazing services where it will often be revealed the source of the abuser. I found the person who used my information on their website!

3. Unintentional merging of family files can sometimes reveal problems that are in fact not your because you shared a residence with someone and their debt landed on your credit files. Perhaps your named after someone and you need to know if issues arise in your name and identification.

4. Job hunting is harder now than ever because credit is used to lock out or even create a cloud of confusion that is not helpful when you are recovering from a hardship and old debts could not be paid. Potential employers are sometimes unforgiving and forget in these times, your credit may be a target and used to judge you moving forward.

5. Moving and change of addresses is the last reason you want to manage your credit files. This is important because the access that someone can get from your old mail about your lifestyle, interests and activies is revealed in mail that is delivered to you. Moving can lead to access to your information when a change a address is not recorded by the post office.  Be mindful of this. It's important to know what you behind when you leave a residence.

I hope you find this article very helpful. Please leave a comment and let us know how we can help you more. Cheers to a smarter 2015!

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