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THE CREDIT PROS
The Credit Pros -Top rated credit repair company. Call 800-411-3050 for free credit repair consultation! Lifetime credit repair guarantee. WHAT YOU NEED TO KNOW ABOUT ROUND 3 OF THE PAYCHECK As a result, H.R. 266 (otherwise known as the PPP and Health Care Enhancement Act) provisioned $310 billion in funding, was signed into law on April 24, 2020, and expired on August 8 of that year. Round 3, which provisioned $284 billion in additional funding for the PPP, was signed into law on Dec 27 and is set to expire on March 31, 2021. HOW FAR BACK DOES CREDIT REPORT GO? THE 7 YEAR RULE The 7 year rule means that your credit report only reflects payments, balances, and accounts that have been used in the past 7 years. Typically, this affects negative (or derogatory) items on your report. However, some negative items will stay on your credit report for more than 7 years. Got a credit situation and don’t know if it should be HOW DOES MORTGAGE INTEREST WORK? Total mortgage interest – $144,126.57. The monthly $1,577.85 = $ 1,067.02 (principal & interest) + $ 400.00 (property tax) + $ 110.83 (Homeowners Insurance) In the beginning, about 75% of your loan repayment is applied to the interest while 25% goes to the principal. As your interest accrued diminishes, more and more of your monthly feeis
THECREDITPROS
Trusted by over 100,000 clients. A+ Rating with the BBB Artificial Intelligence-powered credit repair. Over 10 years of success DO YOU STILL OWE A CHARGED OFF DEBT? WHAT IS A CHARGE-OFF What Is a Charge-Off? When a creditor classifies your debt as charged-off it signifies that the creditor believes the debt is uncollectable (charged off debt). This usually occurs once a consumer has become 180 days (6 months) past due on an account. Charge-off is chiefly an accounting term which is used by creditors for taxpurposes.
ARE RETAIL STORE CARDS GOOD FOR YOUR CREDIT? In addition to being expensive, retail store credit card accounts have the potential to damage your credit scores in 3 different ways. The Credit Pull – When you apply for a new retail store account the card issuer will access a copy of your credit report from 1 of the 3 major credit reporting agencies (Equifax, TransUnion, or Experian). FICO REASON CODES: DISCOVERING WHY YOUR CREDIT SCORES ARE When a lender accesses your FICO credit scores a set of codes is delivered along with those scores as well. These codes are designed to generate the top reasons (generally the top 4 or sometimes 5) why your credit score is not higher. If you had a perfect credit score of 800 then no reason codes would be delivered with your credit scores. 3 WAYS TO HAVE YOUR COLLECTION ACCOUNT DELETED- THE CREDIT Here are 3 different ways that you might be able to secure the deletion of a collection account. 1. Disputes. The FCRA gives you the right to dispute any account on your credit report if you are unsure that it is being reported 100% accurately.SIGN IN
Please sign in Username Password. Sign in Reset. Forgot password?THE CREDIT PROS
The Credit Pros -Top rated credit repair company. Call 800-411-3050 for free credit repair consultation! Lifetime credit repair guarantee. WHAT YOU NEED TO KNOW ABOUT ROUND 3 OF THE PAYCHECK As a result, H.R. 266 (otherwise known as the PPP and Health Care Enhancement Act) provisioned $310 billion in funding, was signed into law on April 24, 2020, and expired on August 8 of that year. Round 3, which provisioned $284 billion in additional funding for the PPP, was signed into law on Dec 27 and is set to expire on March 31, 2021. HOW FAR BACK DOES CREDIT REPORT GO? THE 7 YEAR RULE The 7 year rule means that your credit report only reflects payments, balances, and accounts that have been used in the past 7 years. Typically, this affects negative (or derogatory) items on your report. However, some negative items will stay on your credit report for more than 7 years. Got a credit situation and don’t know if it should be HOW DOES MORTGAGE INTEREST WORK? Total mortgage interest – $144,126.57. The monthly $1,577.85 = $ 1,067.02 (principal & interest) + $ 400.00 (property tax) + $ 110.83 (Homeowners Insurance) In the beginning, about 75% of your loan repayment is applied to the interest while 25% goes to the principal. As your interest accrued diminishes, more and more of your monthly feeis
THECREDITPROS
Trusted by over 100,000 clients. A+ Rating with the BBB Artificial Intelligence-powered credit repair. Over 10 years of success DO YOU STILL OWE A CHARGED OFF DEBT? WHAT IS A CHARGE-OFF What Is a Charge-Off? When a creditor classifies your debt as charged-off it signifies that the creditor believes the debt is uncollectable (charged off debt). This usually occurs once a consumer has become 180 days (6 months) past due on an account. Charge-off is chiefly an accounting term which is used by creditors for taxpurposes.
ARE RETAIL STORE CARDS GOOD FOR YOUR CREDIT? In addition to being expensive, retail store credit card accounts have the potential to damage your credit scores in 3 different ways. The Credit Pull – When you apply for a new retail store account the card issuer will access a copy of your credit report from 1 of the 3 major credit reporting agencies (Equifax, TransUnion, or Experian). FICO REASON CODES: DISCOVERING WHY YOUR CREDIT SCORES ARE When a lender accesses your FICO credit scores a set of codes is delivered along with those scores as well. These codes are designed to generate the top reasons (generally the top 4 or sometimes 5) why your credit score is not higher. If you had a perfect credit score of 800 then no reason codes would be delivered with your credit scores. 3 WAYS TO HAVE YOUR COLLECTION ACCOUNT DELETED- THE CREDIT Here are 3 different ways that you might be able to secure the deletion of a collection account. 1. Disputes. The FCRA gives you the right to dispute any account on your credit report if you are unsure that it is being reported 100% accurately.SIGN IN
Please sign in Username Password. Sign in Reset. Forgot password? SERVICES OFFERED BY THE CREDIT PROS TO IMPROVE YOUR CREDIT The Credit Pros is committed to providing the best credit repair services to boost your credit score fast. Call @800-411-3050 to get the best credit repair services! BLOG - HELP FIX YOUR CREDIT SCORE - THE CREDIT PROS Many people ask “how can I improve my credit now” looking for tips that will help them put 100 points on their credit score in a month. Now, depending on your credit score situation, you may be able to do this. However, if you’ve got a 680+ credit score, it’s highly unlikely that you’re going April 4, 2021 . Jason M. Kaplan, Esq. SHOULD YOU CLOSE YOUR CREDIT CARD ACCOUNT Having a credit card has made life easier for most people as it frees you from the need to carry cash with you every time. It allows you to go cashless and with the rise of e-commerce, paying for your purchases is now easier than ever.FREE CONSULTATION
2021 The Credit Pros Intl. All Rights Reserved. Do Not Sell My Personal Information ; Privacy Policy; Sitemap; Terms and Conditions CREDIT SCORE HACKS FOR 2021 Credit Score Hacks for 2021. blog. It’s almost time for New Year’s Resolutions, and one of the biggest ones that people have is to get their personal finances in order. One big aspect of one’s overall financial profile is their credit score. Having a good credit score means that you’ll have access to lower interest rate loans. BENEFITS OF A CREDIT FREEZE AND HOW IT KEEP YOU PROTECTED A credit freeze helps prevent a type of identity theft called new account origination identity theft. Many fraudsters will open new loans in someone’s name, run up the balance, and take all the benefits without dealing with any of the consequences. Freezing your credit is an effective way to prevent this, especially if you feelyou’re a target.
THE TRUTH ABOUT THE NEW CREDIT IDENTITY SCAMS There is a Better Way. Instead of trying to create a new credit file there are always better methods of legally working to improve your credit. By establishing solid credit management habits (on-time payments, paying off credit card balances monthly, etc.) and avoiding any new credit mistakes your credit should slowly and organically begin to improve over time. CAN A PREPAID CARD INFLUENCE CREDIT SCORES? However, this idea is 100% incorrect. A prepaid card will never show up on your credit reports. As a result they can never be considered in the calculation of your credit scores. If an account is not reported to the credit bureaus then it cannot hurt or help your credit in any way. Disqus Comments. 3 WAYS TO HAVE YOUR COLLECTION ACCOUNT DELETED- THE CREDIT Here are 3 different ways that you might be able to secure the deletion of a collection account. 1. Disputes. The FCRA gives you the right to dispute any account on your credit report if you are unsure that it is being reported 100% accurately. CREDIT BUREAU SETTLEMENT OVERVIEW: NATIONAL CONSUMER The National Consumer Assistance Plan (NCAP) was birthed out of the multi-state settlement as the credit bureaus’ vehicle to educate consumers and implement the changes agreed to under the settlement. In fact, the changes and new policies set forth in the settlement were so sweeping that the credit bureaus were given nearly 3 and 1/2 yearsTHE CREDIT PROS
The Credit Pros -Top rated credit repair company. Call 800-411-3050 for free credit repair consultation! Lifetime credit repair guarantee. WHAT YOU NEED TO KNOW ABOUT ROUND 3 OF THE PAYCHECK As a result, H.R. 266 (otherwise known as the PPP and Health Care Enhancement Act) provisioned $310 billion in funding, was signed into law on April 24, 2020, and expired on August 8 of that year. Round 3, which provisioned $284 billion in additional funding for the PPP, was signed into law on Dec 27 and is set to expire on March 31, 2021. HOW FAR BACK DOES CREDIT REPORT GO? THE 7 YEAR RULE The 7 year rule means that your credit report only reflects payments, balances, and accounts that have been used in the past 7 years. Typically, this affects negative (or derogatory) items on your report. However, some negative items will stay on your credit report for more than 7 years. Got a credit situation and don’t know if it should be HOW DOES MORTGAGE INTEREST WORK? Total mortgage interest – $144,126.57. The monthly $1,577.85 = $ 1,067.02 (principal & interest) + $ 400.00 (property tax) + $ 110.83 (Homeowners Insurance) In the beginning, about 75% of your loan repayment is applied to the interest while 25% goes to the principal. As your interest accrued diminishes, more and more of your monthly feeis
THECREDITPROS
Trusted by over 100,000 clients. A+ Rating with the BBB Artificial Intelligence-powered credit repair. Over 10 years of success DO YOU STILL OWE A CHARGED OFF DEBT? WHAT IS A CHARGE-OFF What Is a Charge-Off? When a creditor classifies your debt as charged-off it signifies that the creditor believes the debt is uncollectable (charged off debt). This usually occurs once a consumer has become 180 days (6 months) past due on an account. Charge-off is chiefly an accounting term which is used by creditors for taxpurposes.
ARE RETAIL STORE CARDS GOOD FOR YOUR CREDIT? In addition to being expensive, retail store credit card accounts have the potential to damage your credit scores in 3 different ways. The Credit Pull – When you apply for a new retail store account the card issuer will access a copy of your credit report from 1 of the 3 major credit reporting agencies (Equifax, TransUnion, or Experian). FICO REASON CODES: DISCOVERING WHY YOUR CREDIT SCORES ARE When a lender accesses your FICO credit scores a set of codes is delivered along with those scores as well. These codes are designed to generate the top reasons (generally the top 4 or sometimes 5) why your credit score is not higher. If you had a perfect credit score of 800 then no reason codes would be delivered with your credit scores. 3 WAYS TO HAVE YOUR COLLECTION ACCOUNT DELETED- THE CREDIT Here are 3 different ways that you might be able to secure the deletion of a collection account. 1. Disputes. The FCRA gives you the right to dispute any account on your credit report if you are unsure that it is being reported 100% accurately.SIGN IN
Please sign in Username Password. Sign in Reset. Forgot password?THE CREDIT PROS
The Credit Pros -Top rated credit repair company. Call 800-411-3050 for free credit repair consultation! Lifetime credit repair guarantee. WHAT YOU NEED TO KNOW ABOUT ROUND 3 OF THE PAYCHECK As a result, H.R. 266 (otherwise known as the PPP and Health Care Enhancement Act) provisioned $310 billion in funding, was signed into law on April 24, 2020, and expired on August 8 of that year. Round 3, which provisioned $284 billion in additional funding for the PPP, was signed into law on Dec 27 and is set to expire on March 31, 2021. HOW FAR BACK DOES CREDIT REPORT GO? THE 7 YEAR RULE The 7 year rule means that your credit report only reflects payments, balances, and accounts that have been used in the past 7 years. Typically, this affects negative (or derogatory) items on your report. However, some negative items will stay on your credit report for more than 7 years. Got a credit situation and don’t know if it should be HOW DOES MORTGAGE INTEREST WORK? Total mortgage interest – $144,126.57. The monthly $1,577.85 = $ 1,067.02 (principal & interest) + $ 400.00 (property tax) + $ 110.83 (Homeowners Insurance) In the beginning, about 75% of your loan repayment is applied to the interest while 25% goes to the principal. As your interest accrued diminishes, more and more of your monthly feeis
THECREDITPROS
Trusted by over 100,000 clients. A+ Rating with the BBB Artificial Intelligence-powered credit repair. Over 10 years of success DO YOU STILL OWE A CHARGED OFF DEBT? WHAT IS A CHARGE-OFF What Is a Charge-Off? When a creditor classifies your debt as charged-off it signifies that the creditor believes the debt is uncollectable (charged off debt). This usually occurs once a consumer has become 180 days (6 months) past due on an account. Charge-off is chiefly an accounting term which is used by creditors for taxpurposes.
ARE RETAIL STORE CARDS GOOD FOR YOUR CREDIT? In addition to being expensive, retail store credit card accounts have the potential to damage your credit scores in 3 different ways. The Credit Pull – When you apply for a new retail store account the card issuer will access a copy of your credit report from 1 of the 3 major credit reporting agencies (Equifax, TransUnion, or Experian). FICO REASON CODES: DISCOVERING WHY YOUR CREDIT SCORES ARE When a lender accesses your FICO credit scores a set of codes is delivered along with those scores as well. These codes are designed to generate the top reasons (generally the top 4 or sometimes 5) why your credit score is not higher. If you had a perfect credit score of 800 then no reason codes would be delivered with your credit scores. 3 WAYS TO HAVE YOUR COLLECTION ACCOUNT DELETED- THE CREDIT Here are 3 different ways that you might be able to secure the deletion of a collection account. 1. Disputes. The FCRA gives you the right to dispute any account on your credit report if you are unsure that it is being reported 100% accurately.SIGN IN
Please sign in Username Password. Sign in Reset. Forgot password? SERVICES OFFERED BY THE CREDIT PROS TO IMPROVE YOUR CREDIT The Credit Pros is committed to providing the best credit repair services to boost your credit score fast. Call @800-411-3050 to get the best credit repair services! BLOG - HELP FIX YOUR CREDIT SCORE - THE CREDIT PROS Many people ask “how can I improve my credit now” looking for tips that will help them put 100 points on their credit score in a month. Now, depending on your credit score situation, you may be able to do this. However, if you’ve got a 680+ credit score, it’s highly unlikely that you’re going April 4, 2021 . Jason M. Kaplan, Esq. SHOULD YOU CLOSE YOUR CREDIT CARD ACCOUNT Having a credit card has made life easier for most people as it frees you from the need to carry cash with you every time. It allows you to go cashless and with the rise of e-commerce, paying for your purchases is now easier than ever.FREE CONSULTATION
2021 The Credit Pros Intl. All Rights Reserved. Do Not Sell My Personal Information ; Privacy Policy; Sitemap; Terms and Conditions CREDIT SCORE HACKS FOR 2021 Credit Score Hacks for 2021. blog. It’s almost time for New Year’s Resolutions, and one of the biggest ones that people have is to get their personal finances in order. One big aspect of one’s overall financial profile is their credit score. Having a good credit score means that you’ll have access to lower interest rate loans. BENEFITS OF A CREDIT FREEZE AND HOW IT KEEP YOU PROTECTED A credit freeze helps prevent a type of identity theft called new account origination identity theft. Many fraudsters will open new loans in someone’s name, run up the balance, and take all the benefits without dealing with any of the consequences. Freezing your credit is an effective way to prevent this, especially if you feelyou’re a target.
THE TRUTH ABOUT THE NEW CREDIT IDENTITY SCAMS There is a Better Way. Instead of trying to create a new credit file there are always better methods of legally working to improve your credit. By establishing solid credit management habits (on-time payments, paying off credit card balances monthly, etc.) and avoiding any new credit mistakes your credit should slowly and organically begin to improve over time. CAN A PREPAID CARD INFLUENCE CREDIT SCORES? However, this idea is 100% incorrect. A prepaid card will never show up on your credit reports. As a result they can never be considered in the calculation of your credit scores. If an account is not reported to the credit bureaus then it cannot hurt or help your credit in any way. Disqus Comments. 3 WAYS TO HAVE YOUR COLLECTION ACCOUNT DELETED- THE CREDIT Here are 3 different ways that you might be able to secure the deletion of a collection account. 1. Disputes. The FCRA gives you the right to dispute any account on your credit report if you are unsure that it is being reported 100% accurately. CREDIT BUREAU SETTLEMENT OVERVIEW: NATIONAL CONSUMER The National Consumer Assistance Plan (NCAP) was birthed out of the multi-state settlement as the credit bureaus’ vehicle to educate consumers and implement the changes agreed to under the settlement. In fact, the changes and new policies set forth in the settlement were so sweeping that the credit bureaus were given nearly 3 and 1/2 yearsTHE CREDIT PROS
The Credit Pros -Top rated credit repair company. Call 800-411-3050 for free credit repair consultation! Lifetime credit repair guarantee. SERVICES OFFERED BY THE CREDIT PROS TO IMPROVE YOUR CREDIT The Credit Pros is committed to providing the best credit repair services to boost your credit score fast. Call @800-411-3050 to get the best credit repair services! HOW FAR BACK DOES CREDIT REPORT GO? THE 7 YEAR RULE The 7 year rule means that your credit report only reflects payments, balances, and accounts that have been used in the past 7 years. Typically, this affects negative (or derogatory) items on your report. However, some negative items will stay on your credit report for more than 7 years. Got a credit situation and don’t know if it should beTHECREDITPROS
Trusted by over 100,000 clients. A+ Rating with the BBB Artificial Intelligence-powered credit repair. Over 10 years of success BENEFITS OF A CREDIT FREEZE AND HOW IT KEEP YOU PROTECTED A credit freeze helps prevent a type of identity theft called new account origination identity theft. Many fraudsters will open new loans in someone’s name, run up the balance, and take all the benefits without dealing with any of the consequences. Freezing your credit is an effective way to prevent this, especially if you feelyou’re a target.
DO YOU STILL OWE A CHARGED OFF DEBT? WHAT IS A CHARGE-OFF What Is a Charge-Off? When a creditor classifies your debt as charged-off it signifies that the creditor believes the debt is uncollectable (charged off debt). This usually occurs once a consumer has become 180 days (6 months) past due on an account. Charge-off is chiefly an accounting term which is used by creditors for taxpurposes.
HOW MUCH DOES CLOSING A CREDIT CARD HURT YOUR CREDIT SCORE? Credit Card #1: $750 Balance ÷ $1000 Limit = 75% Utilized. Credit Card #2: $500 Balance ÷ $500 Limit = 100% Utilized. Credit Card #3 Closed – No Longer Factored Into Revolving Utilization. Aggregate Revolving Utilization: $1250 Total Balances ÷ $1500 Total Limits = 83% Utilized. As you can see in the example above, closing an unusedcredit
ARE RETAIL STORE CARDS GOOD FOR YOUR CREDIT? In addition to being expensive, retail store credit card accounts have the potential to damage your credit scores in 3 different ways. The Credit Pull – When you apply for a new retail store account the card issuer will access a copy of your credit report from 1 of the 3 major credit reporting agencies (Equifax, TransUnion, or Experian). THE TRUTH ABOUT THE NEW CREDIT IDENTITY SCAMS There is a Better Way. Instead of trying to create a new credit file there are always better methods of legally working to improve your credit. By establishing solid credit management habits (on-time payments, paying off credit card balances monthly, etc.) and avoiding any new credit mistakes your credit should slowly and organically begin to improve over time.SIGN IN
Please sign in Username Password. Sign in Reset. Forgot password?THE CREDIT PROS
The Credit Pros -Top rated credit repair company. Call 800-411-3050 for free credit repair consultation! Lifetime credit repair guarantee. SERVICES OFFERED BY THE CREDIT PROS TO IMPROVE YOUR CREDIT The Credit Pros is committed to providing the best credit repair services to boost your credit score fast. Call @800-411-3050 to get the best credit repair services! HOW FAR BACK DOES CREDIT REPORT GO? THE 7 YEAR RULE The 7 year rule means that your credit report only reflects payments, balances, and accounts that have been used in the past 7 years. Typically, this affects negative (or derogatory) items on your report. However, some negative items will stay on your credit report for more than 7 years. Got a credit situation and don’t know if it should beTHECREDITPROS
Trusted by over 100,000 clients. A+ Rating with the BBB Artificial Intelligence-powered credit repair. Over 10 years of success BENEFITS OF A CREDIT FREEZE AND HOW IT KEEP YOU PROTECTED A credit freeze helps prevent a type of identity theft called new account origination identity theft. Many fraudsters will open new loans in someone’s name, run up the balance, and take all the benefits without dealing with any of the consequences. Freezing your credit is an effective way to prevent this, especially if you feelyou’re a target.
DO YOU STILL OWE A CHARGED OFF DEBT? WHAT IS A CHARGE-OFF What Is a Charge-Off? When a creditor classifies your debt as charged-off it signifies that the creditor believes the debt is uncollectable (charged off debt). This usually occurs once a consumer has become 180 days (6 months) past due on an account. Charge-off is chiefly an accounting term which is used by creditors for taxpurposes.
HOW MUCH DOES CLOSING A CREDIT CARD HURT YOUR CREDIT SCORE? Credit Card #1: $750 Balance ÷ $1000 Limit = 75% Utilized. Credit Card #2: $500 Balance ÷ $500 Limit = 100% Utilized. Credit Card #3 Closed – No Longer Factored Into Revolving Utilization. Aggregate Revolving Utilization: $1250 Total Balances ÷ $1500 Total Limits = 83% Utilized. As you can see in the example above, closing an unusedcredit
ARE RETAIL STORE CARDS GOOD FOR YOUR CREDIT? In addition to being expensive, retail store credit card accounts have the potential to damage your credit scores in 3 different ways. The Credit Pull – When you apply for a new retail store account the card issuer will access a copy of your credit report from 1 of the 3 major credit reporting agencies (Equifax, TransUnion, or Experian). THE TRUTH ABOUT THE NEW CREDIT IDENTITY SCAMS There is a Better Way. Instead of trying to create a new credit file there are always better methods of legally working to improve your credit. By establishing solid credit management habits (on-time payments, paying off credit card balances monthly, etc.) and avoiding any new credit mistakes your credit should slowly and organically begin to improve over time.SIGN IN
Please sign in Username Password. Sign in Reset. Forgot password?FREE CONSULTATION
2021 The Credit Pros Intl. All Rights Reserved. Do Not Sell My Personal Information ; Privacy Policy; Sitemap; Terms and Conditions SHOULD YOU CLOSE YOUR CREDIT CARD ACCOUNT Having a credit card has made life easier for most people as it frees you from the need to carry cash with you every time. It allows you to go cashless and with the rise of e-commerce, paying for your purchases is now easier than ever. CONTACT US FOR INSTANT QUOTE ON CREDIT Contact us today and let’s improve your credit score without much delay. Give us a call now at (800) 411-3050 for an instant quote!UNIVERSAL DEFAULT
This practice of retroactively increasing interest rates, generally to the “default” rate of around 30%, is known as universal default and until 2009 it occurred a lot more frequently and with a lot less provocation. Once upon a time a card issuer could actually increase your interest rate if your missed payments on any of your credit THE TRUTH ABOUT THE NEW CREDIT IDENTITY SCAMS There is a Better Way. Instead of trying to create a new credit file there are always better methods of legally working to improve your credit. By establishing solid credit management habits (on-time payments, paying off credit card balances monthly, etc.) and avoiding any new credit mistakes your credit should slowly and organically begin to improve over time. CREDIT BUREAUS: THEIR PURPOSE AND HOW THEY PROFIT Credit Bureaus: Their Purpose and How They Profit. Credit Repair. There are 3 major credit bureaus in the United States known as Equifax, TransUnion, and Experian. The credit bureaus are also referred to as credit reporting agencies or CRAs for short. Contrary to a popular myth, the credit bureaus are not owned by the government. 850 CREDIT SCORE: WHAT DOES IT GET YOU? Here are the general guidelines from Experian, one of the big three bureaus, for how they consider credit scores: 300 – 579: Very Poor. 580 – 669: Fair. 670 – 739: Good. 740 – 799: Very Good. 800 – 850: Exceptional. If your credit score is below 580, it could be preventing you from numerous opportunities. You may be unable to getmany
THE STATEMENT DATE HACK Happy New Year! Here is a fun little hack that you will want to give to your buyers and borrowers IMMEDIATELY. As we’ve discussed in the past, credit card balances are a super-important factor in your clients’ credit scores. FICO REASON CODES: DISCOVERING WHY YOUR CREDIT SCORES ARE Depending upon type of credit report and score you are viewing (i.e. residential mortgage credit report, consumer disclosure, etc.) you may or may not be able to see the actual reason codes. (Keep in mind, of course, that if you pulled a consumer disclosure yourself then you are probably looking at a VantageScore credit score with its reason codes instead of FICO scores as well.) 3 WAYS TO HAVE YOUR COLLECTION ACCOUNT DELETED- THE CREDIT Here are 3 different ways that you might be able to secure the deletion of a collection account. 1. Disputes. The FCRA gives you the right to dispute any account on your credit report if you are unsure that it is being reported 100% accurately.THE CREDIT PROS
The Credit Pros -Top rated credit repair company. Call 800-411-3050 for free credit repair consultation! Lifetime credit repair guarantee. SERVICES OFFERED BY THE CREDIT PROS TO IMPROVE YOUR CREDIT The Credit Pros is committed to providing the best credit repair services to boost your credit score fast. Call @800-411-3050 to get the best credit repair services! HOW FAR BACK DOES CREDIT REPORT GO? THE 7 YEAR RULE The 7 year rule means that your credit report only reflects payments, balances, and accounts that have been used in the past 7 years. Typically, this affects negative (or derogatory) items on your report. However, some negative items will stay on your credit report for more than 7 years. Got a credit situation and don’t know if it should beTHECREDITPROS
Trusted by over 100,000 clients. A+ Rating with the BBB Artificial Intelligence-powered credit repair. Over 10 years of success BENEFITS OF A CREDIT FREEZE AND HOW IT KEEP YOU PROTECTEDBENEFITS OF FREEZING YOUR CREDITCREDIT FREEZE FOR SENIORSTRANSUNION CREDIT FREEZE FEESCREDIT FREEZE PROS AND CONSEQUIFAX CREDIT FREEZECREDIT FREEZE COSTBY STATE
A credit freeze helps prevent a type of identity theft called new account origination identity theft. Many fraudsters will open new loans in someone’s name, run up the balance, and take all the benefits without dealing with any of the consequences. Freezing your credit is an effective way to prevent this, especially if you feelyou’re a target.
DO YOU STILL OWE A CHARGED OFF DEBT? WHAT IS A CHARGE-OFF What Is a Charge-Off? When a creditor classifies your debt as charged-off it signifies that the creditor believes the debt is uncollectable (charged off debt). This usually occurs once a consumer has become 180 days (6 months) past due on an account. Charge-off is chiefly an accounting term which is used by creditors for taxpurposes.
HOW MUCH DOES CLOSING A CREDIT CARD HURT YOUR CREDIT SCORE?DOES CHECKING CREDIT HURT SCOREDOES CREDIT REPORT HURT SCORERUNNING CREDIT SCORE HURT CREDITCLOSING STORE CREDIT CARDSLOW CREDIT LIMIT HURT SCOREOPENING CREDIT CARDS HURT SCORE Credit Card #1: $750 Balance ÷ $1000 Limit = 75% Utilized. Credit Card #2: $500 Balance ÷ $500 Limit = 100% Utilized. Credit Card #3 Closed – No Longer Factored Into Revolving Utilization. Aggregate Revolving Utilization: $1250 Total Balances ÷ $1500 Total Limits = 83% Utilized. As you can see in the example above, closing an unusedcredit
ARE RETAIL STORE CARDS GOOD FOR YOUR CREDIT? In addition to being expensive, retail store credit card accounts have the potential to damage your credit scores in 3 different ways. The Credit Pull – When you apply for a new retail store account the card issuer will access a copy of your credit report from 1 of the 3 major credit reporting agencies (Equifax, TransUnion, or Experian). THE TRUTH ABOUT THE NEW CREDIT IDENTITY SCAMS There is a Better Way. Instead of trying to create a new credit file there are always better methods of legally working to improve your credit. By establishing solid credit management habits (on-time payments, paying off credit card balances monthly, etc.) and avoiding any new credit mistakes your credit should slowly and organically begin to improve over time.SIGN IN
Please sign in Username Password. Sign in Reset. Forgot password?THE CREDIT PROS
The Credit Pros -Top rated credit repair company. Call 800-411-3050 for free credit repair consultation! Lifetime credit repair guarantee. SERVICES OFFERED BY THE CREDIT PROS TO IMPROVE YOUR CREDIT The Credit Pros is committed to providing the best credit repair services to boost your credit score fast. Call @800-411-3050 to get the best credit repair services! HOW FAR BACK DOES CREDIT REPORT GO? THE 7 YEAR RULE The 7 year rule means that your credit report only reflects payments, balances, and accounts that have been used in the past 7 years. Typically, this affects negative (or derogatory) items on your report. However, some negative items will stay on your credit report for more than 7 years. Got a credit situation and don’t know if it should beTHECREDITPROS
Trusted by over 100,000 clients. A+ Rating with the BBB Artificial Intelligence-powered credit repair. Over 10 years of success BENEFITS OF A CREDIT FREEZE AND HOW IT KEEP YOU PROTECTEDBENEFITS OF FREEZING YOUR CREDITCREDIT FREEZE FOR SENIORSTRANSUNION CREDIT FREEZE FEESCREDIT FREEZE PROS AND CONSEQUIFAX CREDIT FREEZECREDIT FREEZE COSTBY STATE
A credit freeze helps prevent a type of identity theft called new account origination identity theft. Many fraudsters will open new loans in someone’s name, run up the balance, and take all the benefits without dealing with any of the consequences. Freezing your credit is an effective way to prevent this, especially if you feelyou’re a target.
DO YOU STILL OWE A CHARGED OFF DEBT? WHAT IS A CHARGE-OFF What Is a Charge-Off? When a creditor classifies your debt as charged-off it signifies that the creditor believes the debt is uncollectable (charged off debt). This usually occurs once a consumer has become 180 days (6 months) past due on an account. Charge-off is chiefly an accounting term which is used by creditors for taxpurposes.
HOW MUCH DOES CLOSING A CREDIT CARD HURT YOUR CREDIT SCORE?DOES CHECKING CREDIT HURT SCOREDOES CREDIT REPORT HURT SCORERUNNING CREDIT SCORE HURT CREDITCLOSING STORE CREDIT CARDSLOW CREDIT LIMIT HURT SCOREOPENING CREDIT CARDS HURT SCORE Credit Card #1: $750 Balance ÷ $1000 Limit = 75% Utilized. Credit Card #2: $500 Balance ÷ $500 Limit = 100% Utilized. Credit Card #3 Closed – No Longer Factored Into Revolving Utilization. Aggregate Revolving Utilization: $1250 Total Balances ÷ $1500 Total Limits = 83% Utilized. As you can see in the example above, closing an unusedcredit
ARE RETAIL STORE CARDS GOOD FOR YOUR CREDIT? In addition to being expensive, retail store credit card accounts have the potential to damage your credit scores in 3 different ways. The Credit Pull – When you apply for a new retail store account the card issuer will access a copy of your credit report from 1 of the 3 major credit reporting agencies (Equifax, TransUnion, or Experian). THE TRUTH ABOUT THE NEW CREDIT IDENTITY SCAMS There is a Better Way. Instead of trying to create a new credit file there are always better methods of legally working to improve your credit. By establishing solid credit management habits (on-time payments, paying off credit card balances monthly, etc.) and avoiding any new credit mistakes your credit should slowly and organically begin to improve over time.SIGN IN
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2021 The Credit Pros Intl. All Rights Reserved. Do Not Sell My Personal Information ; Privacy Policy; Sitemap; Terms and Conditions SHOULD YOU CLOSE YOUR CREDIT CARD ACCOUNT Having a credit card has made life easier for most people as it frees you from the need to carry cash with you every time. It allows you to go cashless and with the rise of e-commerce, paying for your purchases is now easier than ever. CONTACT US FOR INSTANT QUOTE ON CREDIT Contact us today and let’s improve your credit score without much delay. Give us a call now at (800) 411-3050 for an instant quote!UNIVERSAL DEFAULT
This practice of retroactively increasing interest rates, generally to the “default” rate of around 30%, is known as universal default and until 2009 it occurred a lot more frequently and with a lot less provocation. Once upon a time a card issuer could actually increase your interest rate if your missed payments on any of your credit THE TRUTH ABOUT THE NEW CREDIT IDENTITY SCAMS There is a Better Way. Instead of trying to create a new credit file there are always better methods of legally working to improve your credit. By establishing solid credit management habits (on-time payments, paying off credit card balances monthly, etc.) and avoiding any new credit mistakes your credit should slowly and organically begin to improve over time. CREDIT BUREAUS: THEIR PURPOSE AND HOW THEY PROFIT Credit Bureaus: Their Purpose and How They Profit. Credit Repair. There are 3 major credit bureaus in the United States known as Equifax, TransUnion, and Experian. The credit bureaus are also referred to as credit reporting agencies or CRAs for short. Contrary to a popular myth, the credit bureaus are not owned by the government. 850 CREDIT SCORE: WHAT DOES IT GET YOU? Here are the general guidelines from Experian, one of the big three bureaus, for how they consider credit scores: 300 – 579: Very Poor. 580 – 669: Fair. 670 – 739: Good. 740 – 799: Very Good. 800 – 850: Exceptional. If your credit score is below 580, it could be preventing you from numerous opportunities. You may be unable to getmany
THE STATEMENT DATE HACK Happy New Year! Here is a fun little hack that you will want to give to your buyers and borrowers IMMEDIATELY. As we’ve discussed in the past, credit card balances are a super-important factor in your clients’ credit scores. FICO REASON CODES: DISCOVERING WHY YOUR CREDIT SCORES ARE Depending upon type of credit report and score you are viewing (i.e. residential mortgage credit report, consumer disclosure, etc.) you may or may not be able to see the actual reason codes. (Keep in mind, of course, that if you pulled a consumer disclosure yourself then you are probably looking at a VantageScore credit score with its reason codes instead of FICO scores as well.) 3 WAYS TO HAVE YOUR COLLECTION ACCOUNT DELETED- THE CREDIT Here are 3 different ways that you might be able to secure the deletion of a collection account. 1. Disputes. The FCRA gives you the right to dispute any account on your credit report if you are unsure that it is being reported 100% accurately.* About Us
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