The Best Mortgage Rates

Most consumers planning to obtain a home loan are looking around to find the best interest rate possible for their situation. This is an important aspect to financing because a small fluctuation in your mortgage rate can mean tens of thousands of dollars difference over the life of your loan.

Here are some important tips to use so you can minimize your mortgage interest rate and maximize the use of your money:

Raise your credit score:

Lenders will look at your credit score to determine whether they will continue looking at your mortgage application or reject it immediately. The best mortgage rates are generally obtained by consumers with a FICO credit score of 740 and up.

Achieving a 740+ credit score requires attention to the factors that make up your credit score, and how much impact they have: payment history (35%), credit utilization ratio (30%), length of account history (15%), recent credit inquiries (10%), and the types of credit you use (10%).

Make your payments on time and keep your balances as low as possible, while still using at least 1% of your credit limit. Using a small portion of your credit limit keeps your credit cards active in the FICO formula and maximizes the impact of the credit utilization portion of your FICO score.

Improve your debt-to-income ratio:

First, consider your “front-end” debt ratio, this is the amount of your pre-tax monthly income that goes toward your mortgage payment, this should not exceed 28%. Develop a detailed budget before applying for a loan so you understand what you can afford on a monthly basis.

Second, your “back-end” debt ratio, or the portion of your monthly income that goes toward all forms of debt pay off including; mortgage, student loans, car loans, etc. should not exceed 36%.

To appear as a lower-risk borrower, take care of your “back-end” ratio to improve your debt-to-income ratio, while also improving your credit utilization.

Consider short-term fixed-rate mortgage:

You have a good chance of getting the best mortgage rate possible by choosing a 15 year fixed-rate mortgage over a 30 year fixed-rate mortgage. This option can improve your interest rate by as much as 0.8% compared to a 30 year loan.

However one of the risks of utilizing a 15 year mortgage may outweigh the reward for many buyers. Having a much higher monthly payment will put strains on your budget and may cause late payments. Choosing a 30 year loan and paying it off sooner won’t give you a lower interest rate, but it will allow you to pay your debt more according to your own terms, avoiding potentially being strapped for cash when you run into an unforeseen hardship.

Larger down payment:

Lenders can give you lower mortgage rates for the life of the loan if they can get more money upfront. This is called paying for points. A point is 1% of the borrowed amount, the more points you can buy, the lower your interest rate will be. The longer you plan to hold the loan, the more it makes sense to pay for the points that will save you money.

No matter what course of action you take to lower your mortgage interest rates, utilizing a combination of all these methods will surely provide the best results. Get creative in your efforts and remember the end result – saving money!

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Each person’s credit situation is unique. Results may vary, and CreditServices.com makes no guarantee of any particular result. The information in this site is intended for general informational purposes only, and is not to be construed as legal, tax, accounting, or other professional advice.  As such, it should not be used as, or relied upon, as a substitute for seeking professional legal, tax, accounting, or other advice. All information in this site is provided “as-is”, with no guarantee of completeness, accuracy, timeliness, or other results obtained from its use. In no event is CreditServices.com, its Affiliates, or their agents or employees liable to you or anyone else for any decision made or action taken in reliance on the information in this site. “Affiliate” means any entity that directly or indirectly owns or controls, is owned or controlled by, or is under common ownership or common control of the party in question.

Are You Hurting Your Credit Profile?

Credit scores have a large impact on our financial success. Having a strong score means you have the opportunity to take advantage of the best available interest rates on mortgages, auto loans, refinancing student loans, even cheaper auto insurance. To get good interest rates, you typically need to have a score above 700, but the best deals will go to consumers with scores above 750.

Credit scores reward responsible behavior, if you live within your means and pay your bills on time you should have a good score. However, being responsible does not always mean that you will have a strong credit score.

Here are three common mistakes that responsible people make, costing them points on their credit score, and money in the long run.

  1. Having only one credit card, and using it for everything.

Many consumers limit themselves to one credit card and pay their balance in full every month. This is a great practice as you avoid getting charged interest on the account. However, using only one card could harm your credit score by driving up your credit utilization ratio, an important part of how your score is calculated.

Your credit utilization is the percentage of available credit that is being used. If you have a credit limit of $1,000 and a balance of $200, your utilization would be 20%. This is calculated for each individual credit card and across all credit card accounts. High utilization can have a significant negative impact on your score. Keep utilization below 20%, but if you want the biggest positive effect on your score, keep it between 1-3%.

Utilization is important to lenders for two reasons. First, high utilization shows them you can’t control your spending. If you consistently max out your credit cards, you appear to be very risky to lend to. Second, credit limits are calculated based on your income, so when you use too much of the credit available to you, banks will think you have too much debt relative to your income, whether you pay them off in full or not.

You can lower your utilization in two ways. First, you can make your credit card payments more frequently. Your goal is to keep your balances low, but still more than zero. Paying down your balance in the middle of the month will reduce your statement balance and your utilization. Second, you can ask your bank for a credit limit increase, which will increase your available credit, making your statement balance have a lower effect on your utilization.

  1. Not knowing what is on your credit report.

Strange things often appear on credit reports. Check your credit reports once a year to make sure that all accounts are accurate and up to date. If you see any incorrect information on your credit report, you need to take action. CreditServices.com is an industry-leading credit repair company, our Attorney-Reviewed service levels can help you get negative remarks removed from your credit report.

  1. Paying collection items first.

Every once in awhile, you may run into unforeseen problems and miss payments. Responsible consumers work hard to pay back all of the money they have borrowed. However, when it comes to your credit score, keeping active accounts current is more important than paying on a collection item.

Once a collection item appears on your credit report, the damage has been done. So skipping credit card payments to pay the collection will negatively impact your credit score even more.

Collections should be dealt with only after your obligation to active creditors has been fulfilled in order to maintain your credit score and avoid further damage. Also consider working with our Debt Settlement department to settle your collections and save yourself money.

Credit scores are complex.

Making the most of your credit score, and protecting your financial future is not easy. A lot of information goes into calculating your credit score, which can get overwhelming at times. Since credit is such an important factor in so many purchasing situations, you need to have a firm grasp on where your credit profile stands. CreditServices.com can help repair negative items on your credit report, while also teaching you how to better manage the accounts you have, and inform you as to if you should open or close any other accounts based on your current profile. Our Credit Advisors are experts on the FICO formula and can help you develop a better understanding of how to manage your accounts now and in the future.

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Each person’s credit situation is unique. Results may vary, and CreditServices.com makes no guarantee of any particular result. The information in this site is intended for general informational purposes only, and is not to be construed as legal, tax, accounting, or other professional advice.  As such, it should not be used as, or relied upon, as a substitute for seeking professional legal, tax, accounting, or other advice. All information in this site is provided “as-is”, with no guarantee of completeness, accuracy, timeliness, or other results obtained from its use. In no event is CreditServices.com, its Affiliates, or their agents or employees liable to you or anyone else for any decision made or action taken in reliance on the information in this site. “Affiliate” means any entity that directly or indirectly owns or controls, is owned or controlled by, or is under common ownership or common control of the party in question.

Your Credit Reports

A credit report is a record of your credit history which includes information such as:

-Your identity: name, address, date of birth, Social Security Number, and potentially employment information.

-Your existing credit: information pertaining to your credit history including revolving (credit cards) and installment accounts (student loans, car loans, mortgages…), how much you owe, and your payment history.

-Public records: Information regarding any judgments, tax liens, or bankruptcy in your credit history.

-Credit inquiries: List of companies or parties that recently requested a copy of your credit report for the purpose of lending.

Your credit report is used by lenders, insurers, employers, and others to assess your management of financial responsibilities.

-Lenders will use your reports to determine whether you will qualify for a loan, and what interest rate you will receive.

-Insurers can use them to approve or deny you for insurance coverage and to set your rates.

-Utility companies may use your credit report to determine whether they should provide you with their services.

-Employers, if given permission, may use credit reports in their hiring decision.

-Landlords may use the information on your credit report to determine whether they will rent to you or someone else.

Your information is collected by three major credit bureaus; Equifax, Experian, and Transunion. They gather the information that is contained in your credit reports, then provide the information to companies that request it to make the decision on whether to do business with you.

The credit bureaus have to manage all of this information on millions of Americans, so how accurate do you think all of the information is? Credit bureaus are not responsible for the accuracy of the information that they supply to lenders, that is your job!

Check your credit reports if you haven’t in awhile to make sure they are accurate, if they aren’t, contact us and we can get you started on the right path to achieve your goals.

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Each person’s credit situation is unique. Results may vary, and CreditServices.com makes no guarantee of any particular result. The information in this site is intended for general informational purposes only, and is not to be construed as legal, tax, accounting, or other professional advice.  As such, it should not be used as, or relied upon, as a substitute for seeking professional legal, tax, accounting, or other advice. All information in this site is provided “as-is”, with no guarantee of completeness, accuracy, timeliness, or other results obtained from its use. In no event is CreditServices.com, its Affiliates, or their agents or employees liable to you or anyone else for any decision made or action taken in reliance on the information in this site. “Affiliate” means any entity that directly or indirectly owns or controls, is owned or controlled by, or is under common ownership or common control of the party in question.

Negative Items On Your Credit?

Many of your neighbors, friends, and coworkers are unable to take advantage of the best, or even average interest rates on credit cards, auto loans, and mortgages. The best interest rates are only for those with excellent credit. So if you want to take advantage of historically low interest rates before they rise, you need to take a look at your credit, and get active improving your profile.

Most Americans are also unaware of what makes up their credit score, including what will make it subprime, and how long these negative items stick to your credit profile. So how long do some of these negative items impact your financial situation?

Bankruptcy:

One of the most negative items you can have on your profile is a bankruptcy. Chapter 13 bankruptcies will stay on your credit report for 7 years, while a Chapter 7 bankruptcy will impact your credit score for 10 years from the date that you filed for the paperwork. If your bankruptcy was dismissed and your debts weren’t discharged, then it will stay on your report for 10 years from the date it was dismissed. If you had a strong credit score in the past and you declare bankruptcy, you will see a large impact on your credit score. If you previously had subprime or bad credit, then the impact of bankruptcy won’t be as great. If your bankruptcy included numerous accounts, the impact can be serious.

Lawsuits and Judgments:

If you have been sued, or had a judgment against you, it will also stay on your credit report for up to 7 years from the date it was filed, made against you, or until the statute of limitations has expired. Once you have paid off the judgment against you, even though paid off, it will impact your credit score for 7 years.

Tax Liens:

Even when you pay them off as soon as possible, the tax lien will stay on your credit report for 7 years.

Delinquent Accounts:

A delinquent account will also affect your credit profile for 7 years from the date that the account was declared delinquent. If you catch up on your payments, and maintain a good payment history, the negative mark will still remain for 7 years. Payment history makes up 35% of your FICO score. This, combined with the fact that the negative mark will stay on your report for 7 years is why on-time payments are crucial to having a good credit score.

Repossessions and Collections:

Any time that you have an account referred to a collection agency, or have something like a car or major appliance repossessed, it will have an impact on your credit score. These marks will stay on your credit report for 7 years plus 6 months after the first missed payment. If there is a charge-off marked on your report, that means that after the 6 months of non-payment, the company has removed it from their balance sheet, but you still owe the debt. Unpaid debts on your credit profile will make it difficult to get any credit in the future. Take care of your debts on time unless you want them to stick with you for 7 years or more.

Child Support:

Just like any other legally binding debt such as credit card payments, mortgage payments, or student loans, if you get behind, or make late payments, they will remain on your credit report for 7 years. Treat them like any other account, and make the payments on time.

Student Loans:

Student loan debt is guaranteed or insured by the federal government, so they carry much more serious consequences than other types of debt. You cannot discharge student loans by declaring bankruptcy, and defaulting on your student loans will stay on your credit report for much longer than 7 years.

Credit Inquiries:

Inquiries will show up on your credit any time that you apply for a new form of credit. They can stay on your report for 2 years, but only impact your score for the first 12 months. This will not have a disastrous impact on your score, however, they cost you 5-15 points each, so too many inquiries can significantly lower your credit score.

What you can do to clean up your credit profile:

While it is not an easy process, disputing the accounts on your profile can help you get rid of some of the negative remarks on your profile. Aside from challenging your negative accounts, CreditServices.com will teach you how to build positive accounts on your credit profile to counteract any negatives that might remain, speeding up the process of improving your financial situation.

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Each person’s credit situation is unique. Results may vary, and CreditServices.com makes no guarantee of any particular result. The information in this site is intended for general informational purposes only, and is not to be construed as legal, tax, accounting, or other professional advice.  As such, it should not be used as, or relied upon, as a substitute for seeking professional legal, tax, accounting, or other advice. All information in this site is provided “as-is”, with no guarantee of completeness, accuracy, timeliness, or other results obtained from its use. In no event is CreditServices.com, its Affiliates, or their agents or employees liable to you or anyone else for any decision made or action taken in reliance on the information in this site. “Affiliate” means any entity that directly or indirectly owns or controls, is owned or controlled by, or is under common ownership or common control of the party in question.

7 Ways Credit Helps You

By now, you are well aware that credit plays a significant role in your financial success. But are you aware of how widespread the influence of your credit is?

Most consumers know that credit scores are important, but usually don’t know how often their credit makes an impact on their life. Credit scores mostly come into play when applying for some form of new lending, which is why it is very important to check your credit reports before applying for a loan or credit card. There are plenty of occasions when a good credit score will help you save money or reach your personal and financial goals, which is why you should regularly check your reports.

Paying by credit card is easy and comfortable

Here are a few ways your credit can help you:

  1. Apartment Hunting:

Rent payments generally are not reported to the credit bureaus, but having a strong credit profile shows your ability and willingness to pay your bills in a timely manner and can help you get into your apartment. In a competitive rental market, which currently exists, a better credit score will make your search quicker and easier.

  1. Setting Up Utilities:

If your utility provider notices that your credit profile has signs of late payments, you may be required to put down a deposit, or a higher than normal deposit when you sign up. These deposits are usually refunded or credited back to your account, but nonetheless, it is better to not have to put down a deposit in the first place.

  1. Car Shopping:

Unless you’re planning to pay cash, you will need an auto loan. The better your credit score is, the lower your interest rates will be. Lower interest rates can also be obtained with a larger down payment, but a higher credit score will be a benefit in any scenario.

  1. Insuring Your New Car:

Insurance underwriters can use your credit score while determining your auto insurance premium, and in some states your credit score will have a significant impact on what you pay. According to industry experts, a credit score can be a better predictor than your driving record.

  1. Buying a home:

Mortgages are huge loans spread over many years, so a few credit score points can translate into tens of thousands of dollars of savings. If buying a home is not on your immediate radar, you should still be monitoring your credit and trying to improve your profile, so when you’re ready to buy, your credit score gets you the most value for your money.

  1. Emergencies:

If you don’t have the savings to cover an emergency, you will likely need some sort of financing. Great credit will give you access to a variety of lending options from low-interest credit cards to personal loans. A stressful situation will only gets worse when you start missing payments because you can’t get a loan.

  1. Repaying Student Loans:

Depending on your current student loan rates, you could stand to save a lot of money by exploring refinancing options. A lower interest rate requires a good credit score, the longer it takes to improve your credit, the more money you will lose in interest.

Your credit profile will determine a variety of aspects of your life, adding up to have a very significant impact on your financial life in the long run. Make sure your profile will help you.

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Each person’s credit situation is unique. Results may vary, and CreditServices.com makes no guarantee of any particular result. The information in this site is intended for general informational purposes only, and is not to be construed as legal, tax, accounting, or other professional advice.  As such, it should not be used as, or relied upon, as a substitute for seeking professional legal, tax, accounting, or other advice. All information in this site is provided “as-is”, with no guarantee of completeness, accuracy, timeliness, or other results obtained from its use. In no event is CreditServices.com, its Affiliates, or their agents or employees liable to you or anyone else for any decision made or action taken in reliance on the information in this site. “Affiliate” means any entity that directly or indirectly owns or controls, is owned or controlled by, or is under common ownership or common control of the party in question.

When Do Your Balances Report?

It is important to have as long of a credit history as possible, do not cancel credit cards just because they are older. Hold onto them and use them from time to time. Keep the balance low, and make the payments on time. Keeping reporting balances low means you need to know when your balance is reported.

pay

The balances appearing on your credit reports are usually based on the balance remaining at the end of your billing cycle, not on the payment due date. Go online to make a payment a few days before the end of the billing cycle so the balance reported to the credit bureaus is lower.

This is one tactic we can utilize when building your credit profile. A significant part of the value we offer at CreditServices.com is the education and knowledge that comes with having your own personal credit analyst. We also maintain a database of information that can be put to use when executing your personal Credit Guide. Our advisors know which tactics to use and when to use them, and will coach you throughout the process.

A staggering number of consumers carry high balances on high interest credit cards when they could be saving thousands on interest by keeping balances low and paying before the billing cycle end date. Those credit card users carrying higher balances however, may lack the resources to use this technique just yet. The solution: low-interest rate personal loans. Qualified borrowers are able to get easier access to competitive rates on personal loans for a variety of reasons, including refinancing high interest rate credit card debt.

Don’t Make Any More Mistakes!

You’re trying to build your credit, don’t dig yourself a deeper hole. One of the most common mistakes is making a late payment. Set up auto-pay on your credit cards for the minimum payment so you don’t forget, and make sure to set the payment before your billing cycle end date. You can always pay more, and missing a payment can be devastating.

Personal loans can be a great alternative to credit cards for two key reasons. First, it ends the debilitating cycle of credit card debt, because the loan has a finite term. In contrast, when you transfer credit card debt from one card to another, you have the temptation to keep racking up the charges. The second reason is that it can save you a lot of cash.

Just remember, once you have lowered your credit card balances, you will need to acquire new cards, or continue to use the ones you have. Be certain to use them wisely and pay at the right time to ensure your credit score is in the best possible position.

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Each person’s credit situation is unique. Results may vary, and CreditServices.com makes no guarantee of any particular result. The information in this site is intended for general informational purposes only, and is not to be construed as legal, tax, accounting, or other professional advice.  As such, it should not be used as, or relied upon, as a substitute for seeking professional legal, tax, accounting, or other advice. All information in this site is provided “as-is”, with no guarantee of completeness, accuracy, timeliness, or other results obtained from its use. In no event is CreditServices.com, its Affiliates, or their agents or employees liable to you or anyone else for any decision made or action taken in reliance on the information in this site. “Affiliate” means any entity that directly or indirectly owns or controls, is owned or controlled by, or is under common ownership or common control of the party in question.

Millennials: Build Credit Now

Many millennials saw their parents hit a very rocky financial situation during the Great Recession, creating a fear of credit among the generation. Understanding the difference between credit and debt is the most important aspect of getting over this fear. Credit is a financial tool, that when used correctly can provide you with valuable purchasing power. Debt is a problem caused by the misuse of credit.

millennials credit cards

Using credit wisely is an incredibly important aspect of becoming financially successful now and in the future.

 

Your credit history is everything you have done in the past with regards to using credit. Credit history includes the amount of credit you have used, your payment habits, and if creditors have had to resort to using collections agencies or the legal system to get you to repay your debts.

When considering whether or not to lend you money, a lender will attempt to determine what the odds are that you will repay a debt. Your credit history is the best indicator they have of your credit risk. They assume that you will continue to behave in the future as you have in the past. But if you have no past use of credit, they will view you as risky because they have no record of you being willing and able to manage debt.

After establishing a credit history, you will want to make sure that your reports are reflecting accurate information to ensure that you aren’t being judged unfairly. Lenders look to your credit profile as a record of your credit history and they will likely assume that the accounts listed in your credit reports are accurate. The problem is that very often these items are inaccurate or untimely, misleading, incomplete, unverifiable, biased or unclear.

If your credit reports contain questionable negative items, you have the right to dispute them in an effort to get them corrected or removed entirely. CreditServices.com will help you make sure your profile is reporting accurately, and teach you how to build your credit. We have helped thousands of people with unfair credit reports, and we can help you too!

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Each person’s credit situation is unique. Results may vary, and CreditServices.com makes no guarantee of any particular result. The information in this site is intended for general informational purposes only, and is not to be construed as legal, tax, accounting, or other professional advice.  As such, it should not be used as, or relied upon, as a substitute for seeking professional legal, tax, accounting, or other advice. All information in this site is provided “as-is”, with no guarantee of completeness, accuracy, timeliness, or other results obtained from its use. In no event is CreditServices.com, its Affiliates, or their agents or employees liable to you or anyone else for any decision made or action taken in reliance on the information in this site. “Affiliate” means any entity that directly or indirectly owns or controls, is owned or controlled by, or is under common ownership or common control of the party in question.

Credit Monitoring: The Benefits

Many consumers think credit monitoring services are only necessary for those with a troubled credit history, but that is not the case. In fact, it is just as important to use a credit monitoring service to maintain an excellent credit rating as it is to improve a poor one.

When you sign up for a credit monitoring service, you will receive important information from your major credit reports through Equifax, Experian and TransUnion. You will be able to track all of them and make sure that any information reported is accurate.

In addition to avoiding inaccurate marks on your file, you can figure out where the weak points in your profile exist and improve them going forward. Most credit monitoring services show the major factors in calculating your credit score and grade you on each of them. As a result, you can determine how to adjust your financial approach to improve your credit rating. This will impact your chances of obtaining important financing options like a car or home loan.

Credit Protection

Credit monitoring services can also help protect you from identity theft, which is increasingly important because so much of our information is stored online. Unfortunately, credit card fraud and identity theft are commonplace these days. Cyber criminals are able to hack the databases of major companies obtaining credit card information, so nobody’s information is entirely safe.

Information is power when it comes to improving your personal finances. Monitor your credit use on a regular basis and ensure that your reports are reflecting accurate information. Catching inaccuracies early allows you time to correct them, meaning they are not there to prevent you from being approved!

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Each person’s credit situation is unique. Results may vary, and CreditServices.com makes no guarantee of any particular result. The information in this site is intended for general informational purposes only, and is not to be construed as legal, tax, accounting, or other professional advice.  As such, it should not be used as, or relied upon, as a substitute for seeking professional legal, tax, accounting, or other advice. All information in this site is provided “as-is”, with no guarantee of completeness, accuracy, timeliness, or other results obtained from its use. In no event is CreditServices.com, its Affiliates, or their agents or employees liable to you or anyone else for any decision made or action taken in reliance on the information in this site. “Affiliate” means any entity that directly or indirectly owns or controls, is owned or controlled by, or is under common ownership or common control of the party in question.

Master Credit Card Use: 3 Tips

  1. Pay Mid-Cycle

The balances appearing on your credit reports are usually based on the balance at the end of your billing cycle. Go online to make a payment a few days before the end of the billing cycle so the balance that gets reported to the credit bureaus is lower.

shopper

  1. Avoid Paying Interest

Credit Card users who do not carry balances every month and have signed up with a credit card that offers a grace period have at least 21 days from the time of purchase to pay the charge in full without accruing interest. Grace periods will not be included for balance transfers or cash advances.

  1. Increase Your Limit

Request a higher limit on your credit card to protect your credit rating. Raising the gap between your balance and limit will give you a better credit utilization ratio, which will be favorable for your credit score. Be careful with this tip though, just because the money is available doesn’t mean you should use it, simply use it as a credit building technique.

CreditServices.com credit advisors will walk you through the credit repair process, coaching you on valuable credit building techniques like these. These tips are very effective, and when advised on exactly what time to utilize these tactics in your personal Credit Guide, you will see the best results. That is why we are here, we are specialists in credit repair, and we can help you!

See what our customers have to say about us and then contact us for a free consultation today!

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Each person’s credit situation is unique. Results may vary, and CreditServices.com makes no guarantee of any particular result. The information in this site is intended for general informational purposes only, and is not to be construed as legal, tax, accounting, or other professional advice.  As such, it should not be used as, or relied upon, as a substitute for seeking professional legal, tax, accounting, or other advice. All information in this site is provided “as-is”, with no guarantee of completeness, accuracy, timeliness, or other results obtained from its use. In no event is CreditServices.com, its Affiliates, or their agents or employees liable to you or anyone else for any decision made or action taken in reliance on the information in this site. “Affiliate” means any entity that directly or indirectly owns or controls, is owned or controlled by, or is under common ownership or common control of the party in question.

Simple Credit Building Technique

It can be difficult to build credit once you have a negative credit history. Most banks won’t approve you for a loan, and creditors don’t want to give you a credit card because you are “high risk”.

One way to begin building your credit is by obtaining a secured credit card. Secured cards require a deposit, usually around $200-$300 to open. This deposit will act as your credit limit, and is a form of insurance for the bank, knowing that they at least have that amount of money in case you go delinquent on the account.

Once you have your secured card, you will need to keep your balance low to maximize the credit building power. Set your card to take auto payments from a debit account so that you will not have to think about it, and won’t risk any late payments, lowering your score even more. This tactic will build your profile in two ways: payment history, and balance to limit ratio.

This is one of many tactics that we can use to guide you to your Path To Credit Recovery. CreditServices.com is here to help motivated individuals put their bad credit in the past and get their purchasing power back!

Get motivated, set your goals, and take action!

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Each person’s credit situation is unique. Results may vary, and CreditServices.com makes no guarantee of any particular result. The information in this site is intended for general informational purposes only, and is not to be construed as legal, tax, accounting, or other professional advice.  As such, it should not be used as, or relied upon, as a substitute for seeking professional legal, tax, accounting, or other advice. All information in this site is provided “as-is”, with no guarantee of completeness, accuracy, timeliness, or other results obtained from its use. In no event is CreditServices.com, its Affiliates, or their agents or employees liable to you or anyone else for any decision made or action taken in reliance on the information in this site. “Affiliate” means any entity that directly or indirectly owns or controls, is owned or controlled by, or is under common ownership or common control of the party in question.