Ready For Car Shopping?

Your credit score influences the rates that are available to you. Most lenders will not fully review your credit profile, instead they rely mostly on your credit score and some application information.

customer and salesman with car key
transportation and ownership concept – customer and salesman with car key outside

If you have a 750+ credit score, you will receive the best interest rates available, which can sometimes be as low as 0%! However, people with major credit problems can usually be approved for auto loans, but at very high rates. The best auto loan rates are generally offered by credit unions, and online lenders, not at the dealership.

When shopping for your loans, remember that you have a 30 day window where similar inquiries will be counted as one and only drop your score 5-15 points rather than multiple inquiries that will be 5-15 points each.

Educate yourself, monitor your credit, and stay within your means to get the most out of your auto loan.

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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.

Avoiding Bankruptcy

Life and finances can be very unexpected and difficult to manage, you may find yourself getting deeper and deeper in debt, sometimes to the point where it is impossible to meet all of your financial obligations. Debt settlement allows you an option other than declaring bankruptcy.

The goal of Debt Settlement is to get creditors to mark your debt as completely satisfied in exchange for a partial payment.

Many of our clients have seen success with our preferred debt settlement affiliate, DebtServices.com, their experienced negotiators understand lenders, and the policies and procedures that they follow. Lenders would rather receive a partial payment than none at all, which is very possible if you declare bankruptcy.

As debt negotiation specialists, DebtServices.com will work on your behalf to save you the most possible money in your debt settlement. This will allow you to get your finances back on track, improve your profile, and move toward living your life the way you want to live it.

Don’t let debt weigh you down. Take action now!

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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.

Avoid These Common Credit Card Mistakes

  1. Getting too many credit cards:

While having a good debt-available credit ratio will build your credit and look favorable to lenders, if you have too much available credit, a lender may think: “What if they decide to max out all of these cards, what would the debt-income ratio be?” Not to mention that multiple credit inquiries will lower your credit score and may lead a lender to believe you are desperate for more money.

  1. Paying your bill late:

Not only will you face a late payment charge that may be higher than your minimum payment, this will show up on your credit report and lower your credit score.

  1. Ignoring your monthly statement:

Avoid late payments by checking your monthly credit card statements. Checking your monthly credit card statements will also allow you to make sure charges are correct, and catch identity theft, if you wait too long it may show up on your credit report.

  1. Exceeding your credit limit:

If you are approaching the top of your credit limit, try to use cash for subsequent purchases. If you don’t, your purchase may be rejected, unless you have authorized your card company to charge hefty over-the-limit fees.

  1. Misunderstanding introductory rates:

With introductory rates, often offered on big-ticket items, interest accumulates from the day of purchase. If you don’t pay off the debt during the introductory period, the interest will be charged retroactively, more than likely at a very high rate.

 

These are common mistakes made with credit cards that can damage your credit and hinder your ability to qualify for lending opportunities. The more you can learn about the terms of the credit cards you utilize, and credit card use in general, the better you will be able to manage your debt and position yourself for a strong credit score and financial life!

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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.

Our Offering

CreditServices.com™ Service Levels have one of the Nation’s highest success rates among Credit Service Organizations. Specific services include validation through our meticulous bureau discovery process, credit rebuilding strategies and options, credit education on profile management, coaching on the FICO™ and Consumer scoring formulas, and continued support with advising and consulting throughout your specific credit service process.

We are an award winning consumer-oriented company and love to deliver the results that our clients deserve! Whether your goal is obtaining a mortgage, auto loan, or general credit improvement for purchasing power, we have a program for 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.

Fixing Your Credit Problems

Recognizing that a problem exists is the first step in solving any problem. With your credit, as with anything in life, it pays to call in a professional.

By taking a two-pronged approach to improving your credit through ongoing management of your credit and fixing the errors in your credit reports, you can see dramatic results in a much shorter period of time than simply doing one or the other. If you sit back and wait for your credit score to improve, it may be a number of years before you see a significant shift. By proactively working to fix your credit, you may see noticeable improvement in your credit score in only a matter of months.

When your credit is broken to begin with because of an imperfect credit system, you shouldn’t wait for years for the problem to fix itself. Take advantage of your right to a fair and accurate credit score by working to fix your credit reports.

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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.