5 Tips to Rebuild from Bankruptcy

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.

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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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