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Get GR8T CREDIT is in the business of creating client success. Every opportunity is taken to allow for clear coordination. We are YOUR team for success!.

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Re-building your credit and financial life is all about taking responsibility for TODAY. Your past shapes decisions made in the present. Be a fan of your credit - Get GR8T Credit..

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As a professional in the business space, your identity of often tied to your own outlook on your life and disposition. Happiness is knowing you gave it all to make your life work, your business work, your personal life work. Good credit is not just for the wealthy. Great credit is for anyone willing to build it..

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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..

All About Tradelines – Get the facts!

4:00 AM Alexis P. Jones, The Credit DIVA

In this article I share with you what are the true, real deal facts about Credit Tradelines. Many people may think they know what they are and perhaps have even "heard" about what they are and how they work.  In the line of work of any Credit Professional, this is a topic that will impact your clients success in one way or another. There are so-called outfits that claim they can enhance or augment an individuals credit file with these tools, but often do not adequately explain the facts in a way that is relationary and clear.  I went into my tool box and grabbed this article I had written sometime ago to help my coaching clients understand this tool and in my recent Real Estate teams conversations, we discuss why this still is an arsenal to help people legitimately and legally.  Here are some facts for you to know:

Q: What is a tradeline?
A: A tradeline is an account that has been established in your name is a tradeline.

Q: I heard they were illegal?
A: No, they are not illegal. What was most wide spread in the press and in the media was what was called “Seasoned” Tradelines. Seasoned tradelines are aged credit owned by someone else and your name is added to the account as an authorized user.

Q: How can tradelines help me?
A: Tradelines are an excellent way to speed up the re-building of the tarnished or limited credit history. The tradeline is original, but packs the same punch of the authorized user tradelines and is reported in your name with all three credit bureaus. (Experian, Transunion and Equifax)

Q: What’s an example of a tradeline?
A: Mortgage, Auto, Credit Cards, Computers, and Furniture payments, etc.

Q: How can they raise my credit scores?
A: Tradelines provide a perfect weapon for existing credit cards, installment loans, or even mortgage or auto loans that have had a negative impact on credit scores because of late pays, collections or high balances. The situation is simple, the lower the balances on existing credit commitments the lower the interest rates will be for new credit. High balances on credit cards and installment loans, means lower credit scores. Lower credit scores means HIGH INTEREST RATES! 


If you need to understand more and have additional questions, visit our web page. Join our ezine Real Credit TALK at www.getgr8tcreditvip.com and get to know us and how we can help you achieve your goals and dreams!

Hangout Out Today at 1pm - Taking Control of Your Credit Challenges

11:33 AM Alexis P. Jones, The Credit DIVA

In today's Hangout I share some very important insights that could be the key to designing the goals you may have for 2014. This perspective is a must to get super clear on your credit improvement and recovery plan! 

Tip 1: Credit is needed more now than ever and correcting mistakes of the past puts you in control in ways you may not recognize.

Tip 2: Credit Repair not a MYTH - It works with a plan of action

Tip 3: Being broke is no joke and credit issues magnify cash-flow problems even in your personal finances. Cashflow is not just for business.

Tip 4: Commiting to a budget truly starts the wealth building process even if your un-employed.


 

Top 3 Reasons Why Building Credit and Cashflow in 2014 Should Be Your #1 Priority

2:17 PM Alexis P. Jones, The Credit DIVA

Stop Being behind moving into the next year! That's an order!

I believe that the world would truly be in a better financial situation and families would not to the level they have and still do IF they would simply commit to better credit and finances. The life you want to live is within your reach, grasp and future WHEN you commit to correcting problems that stop progress. Credit is a HUGE factor and progressing stopping for many people. Get a grip and make changes now!





7 TIPS ON PREVENTING IDENTITY THEFT DURING THE HOLIDAY SEASON

4:00 AM Alexis P. Jones, The Credit DIVA

In the course of the day, you do many activities that put your personal information at risk - from writing a check at the store to charging merchandise in person or over the phone. You may not think twice about these transactions, but others might. Tomorrow is Thanksgiving, and while you are enjoying your Holiday family and wonderful meal; the thieves are busy.

Identity theft continues to be the largest crime across the globe - when a perpetrator assumes someone's identity for personal or financial gain, like stealing a credit card to make financial transactions in the victim's name - is the fastest-growing crime in America.

According to the U.S. Postal Inspection Service, there were almost 10 million cases of identity theft in 2004, which cost consumers $5 billion.

This year alone, identity theft has been responsible for over $21 billion is lost revenue.

Here is how to protect yourself and your personal information this Holiday season:

* Do not give out your personal information unless you initiate the contact or know the person or company with whom you are dealing over the phone. Also, never disclose personal information, such as a Social Security number or bank account number, in response to an email. Legitimate businesses will not ask you to do this.

* Do not disclose your credit card number to an online vendor unless it is encrypted and the site is secure. Look at the first part of the Web address on your browser. It should read "https://." The means the vendor you are exchanging business with as an "SSL" certificate in place on the very same website you are shopping from.

* Do not write your Social Security number or telephone number on checks or credit card receipts.

* Remove all documents with personal information from your hard drive before discarding your computer or sending it in for repair or replacing it this Holiday season. Santa may bring you a new one, so be careful how you discard the old one.

* Shred discarded documents, including pre-approved credit card applications, bank statements, store receipts and utility bills. "Dumpster divers" can gain access to your personal information if such items are thrown in the trash.

* Order your credit report at least twice a year and report any mistakes to the credit reporting agency in writing. Special note: It's not a bad idea to review your credit report before you open any new credit cards! :)

If something should happen and you become a victim of identity theft, contact your local police department as soon as possible. If your identity was stolen in one jurisdiction but used in another, you may have to report the crime in both jurisdictions. Also, filling out an Affidavit is likely to be asked in a situation that involves a bank such as your credit union as well.

Remember, shop smart!

Enjoy the Holidays!

Happy Thanksgiving!



Live the UNLIMITED LIFESTYLE Encore - Google Hangout - October 15, 2013!

9:58 AM Alexis P. Jones, The Credit DIVA

If you have been wondering and wishing and hoping to get a glimpse of the light at the end of tunnel, then you are in for a TREAT early for Halloween - WHY?

The TRICKS that have been played on you, your hard-earned money, your long awaited dreams are DOWN RIGHT DIRTY!

Never before has anyone connected Credit Building (with restoration), and cashflow acquisition together.

Let's face it, if you had good credit, you could start a business you wanted because you could get approved for financing right? TRUE.

You could get out of debt if you had more money right? TRUE.

You could pay your back taxes or current taxes that you owe if you had more money right? TRUE.

You buy a nice car you want and can afford if you had more money, better credit (higher score) and could get a low interest rate right? TRUE.

So, how can you achieve all that? How can you get ahead and stop the bleeding? How can you get more money in your pocket while working on your credit at the same time?

We have the answer - Live the UNLIMITED LIFESTYLE Google Hangout.

Why Unlimited - well again, you are LIMITED now in some aspect, maybe you are making some headway, but if you could do it better, smarter and faster while not working yourself to death and accepting mediocrity as an ok thing....you can do better and YOU deserve better.

Register here www.boldonlinemedia.com

2013 is not over yet!

Invest in yourself, believe in yourself...See you on the hangout! :)


Live the Unlimited Lifestyle - Google Hangout - October 12, 2013! Get YOUR SPOT!

7:45 PM Alexis P. Jones, The Credit DIVA

It's October already! I know it's been a while since we had been in blog communication!

 2013 has kept Get GR8T Credit quite busy in every aspect. The latest news is Get GR8T Credit has been working behind the scenes to develop a position with systems, tools, mentoring and outcomes that would change the way our Country deals with debt and credit problems. We are a nation of spenders, we love to spend money and many times our spending gets us into HOT water!

We have watched our family, friends, colleagues and associates literally drown in the financial crisis that has plagued our economy. But I am here to say - there is a WAY! What if I told you tomomrrow at 12:30pm, you could learn about how to recover from past mistakes. Stop the debt cycle and take a HUGE bite out taxes eating upo your hard earned money.

Would you make a little time to check it out?

 Well I am inviting you to our Google Hangout: Live the Unlimited Lifestyle Build Credit and Cashflow Quickly AND at the same time..All while having a Blast and Travelling like a ROCKSTAR!

Register for our Google hangout - Live the Unlimited Lifestyle at 12pm PST tomorrow, October 12, 2013

 Join us here: http://www.boldonlinemedia.com/

10 Tips To Improved Personal Budgeting

5:00 AM Alexis P. Jones, The Credit DIVA

1) Clip coupons. This is the single most important rule of personal budgeting. Why? Simply because a few minutes spent clipping coupons could end up saving you multiple dollars in the checkout line.

2) Buy in bulk. If your favorite products are on sale, buying in bulk may cost you more at present but could end up saving you a lot in the future. Some good examples are items that do not have an expiration date, such as soap, shampoo, toiletries and other household items. Canned foods, which carry a long expiration date, are also ideal for buying in bulk.

3) Saving your change can be a great help in your quest for personal budgeting. You would be surprised how quickly change can add up and, even if it’s $50 or $100 per month, your coins can add up to some serious cash. Many people discard their coins or simply toss them around without thought, but saving them in a bowl or dish will help a great deal when it comes to personal budgeting.

4) Put a portion of each paycheck into a savings count each week or month. Whether it’s a few dollars or several hundred, always make sure that you are putting aside some amount of money into a savings account. If possible, deposit 10-20% from each paycheck.

5) Avoid impulse shopping. This type of buying is what ultimately leads to buyer’s remorse. In order to avoid it, think about what you want to shop for and make sure that you avoid any last minute additions unless they are absolutely necessary or you can afford them without being in a crunch.

6) Shop the sale racks. Everyone enjoys sprucing up their wardrobe now and then so, when it comes time to add a few new pieces of apparel, stop by the sale rack for big savings. There’s nothing wrong with keeping a few extra dollars in your pocket, which can be later be used for life’s little essentials.

7) Avoid using high-interest credit cards unless you can repay them within six months. Otherwise, you are more likely to get swallowed up with interest and end up paying for the original purchase several times over.

8) If you do use a credit card for purchases, try to use one with an introductory APR or a regularly low interest rate. This could end up saving you big bucks every month and also in the future, which is one of the most important rules to personal budgeting.

9) Request free samples. A number of websites, including StartSampling.com and WalMart.com, offer customers the opportunity to request free product samples of certain items. Everything from skin lotions and shampoo to dog treats and household products are up for grabs to all who ask. In addition, many manufacturers offer free samples of new product releases directly through their own website.

10) If you find yourself in increasing credit card debt, call the creditor and request to be placed on a hardship program. This type of program allows for lower interest and smaller payments for a specified amount of time. Depending on the creditor, it can be in effect for several months or until the balance is paid in full. This method will not only help your immediate personal budgeting, but will also give you additional financial freedom in the future when the debt is paid in full.