Although the term “charge-off” sounds good, in reality, charge offs are devastating to your credit report and score. Having an account report in charge off status can bring your score down hundreds of points and may even put that account into collections.
What is a Charge-Off?
An account can get changed into charge off status once a consumer is late 6 months or more. The creditor assumes the debt will not be paid and “charges off” the account. At this time, the entire balance becomes due and the account may be purchased by a 3rd party collector.
How Do I Handle a Charge-Off?
Charge-offs can be considered a serious derogatory account and may hinder you from getting future credit. If you have a charge-off on your credit report, the first thing you should do it contact the original creditor. The charge-off will still need to be paid so try to negotiate with them for a payment you can afford. Creditors will usually be willing to make a settlement for less than the amount owed. However, making a settlement can cause the derogatory account information to remain on your credit report for years to come. Your best option is to see if the creditor is willing to do a pay for deletion.
Send a Pay for Deletion Request Letter
Ask the creditor if you can do a pay for deletion. You may have to pay more than the average settlement amount, but your account will get removed from your credit report, which will increase your score and be beneficial to you in the long term (use this guide to create a pay for deletion letter here.) If the creditor agrees to a pay for deletion, make sure you get the agreement in writing so you can take it to the credit bureaus to ensure the account gets removed.
If the creditor refuses to budge on a pay for deletion, see if you can get them to change the status to “closed” rather than charge-off, as that will also affect your score. Make sure you satisfy the debt regardless of the outcome. If the debt remains unpaid, your account could fall victim to a collection account, or even worse, a judgment.
Removing the Account
If the account remains on your credit report after the debt is settled, you will want to dispute your account. Disputing your account with the bureaus can get your account removed much sooner than its 7 year lifespan. You can dispute your account online with the bureau’s website, by mail or by calling a credit repair company like Better Qualified.
Get a Free Consultation
click on the link below for your free credit consultation with a credit analyst.
What’s your favorite day of the month? Most people will agree, it’s payday. For some consumers though, paycheck to paycheck is a way of life (albeit not a very financially smart way of life.) “Where did all my money go??” If you ask yourself this question on a consistent basis, then it’s time to create a budget and find out exactly why your finances are so depleted. Read along and follow these steps to help get a better understanding of your spending habits.
Step 1: Calculate
First, let’s get a rough overview of your budget. Open up an excel doc or grab a pen and paper because we’re going to determine just how much you’re taking in vs how much you’re spending.
Calculate all sources of income. Make sure to include part-time work and side jobs you have or any real estate income you may collect. If you have a spouse or significant other you are living with, it will be easier to combine income and make a shared budget.
After you calculate your total income for the month, start listing all of the expenses you have. This includes EVERYTHING you are currently paying for monthly. When making your list, start with your necessities and work your way down. Top of the list should include:
Now subtract your expenses from your income. If you get a negative number, then start looking to get rid of some expenses or take up a part-time job to help pay for them. Ask yourself if you really need the expense when looking to penny pinch. Is that magazine subscription or Netflix account really doing you justice? Or is it just another account adding to your growing expense list? Leave yourself a little bit of “entertainment money,” but use it sparingly. A budget with absolutely no fun is a budget that is doomed to fail.
Step 2: Track
Now that your budget is planned out, it’s time to track it. Mark down every bill you pay and purchase you make. Do this step for 1 month to get a general view of where everything is going. Based upon your spending habits, make changes to where you see fit. For example: if you see that ordering out for lunch is becoming too costly, you may want to start bringing a bagged lunch to work.
You can use an excel spreadsheet to keep track of your expenses or use a free program such as mint.com. Using an app like mint can make budget planning easy. Most budget apps will connect to your banking account and automatically categorize your spending. Now you can physically see where everything is going and adjust your budget to fit your needs. If you don’t have a bank yet, try finding a brand in the Business Savings Account industry.
Step 3: Agree on a Budget and Stick to It
You’ve planned, you’ve tracked, now it’s time to maintain! Take that planned budget from step one and the results from step 2 and make adjustments. Add any category you may have forgotten and start setting financial goals. If you have a joint budget with a spouse or significant other, make sure you’re both on the same page.
Make sure you’re also giving your savings account the love it deserves too. When it comes to saving, most financial advisers will tell you to put away 10% of your paycheck. The best way to do this is have it automatically come out on payday, and then go to a check cashing store near you to encash the rest of your check. Money that goes unseen will not be missed. Set up an automatic savings deposit and then leave the account alone so it can grow and flourish.
Just like savings, the same can be said for that family vacation or big purchases you’re planning to make in the future. Everyone needs time to get away and relax. When planning for a vacation, set up a separate account to which money will automatically get deposited into every paycheck. Map out how long it will take before accumulating your goal amount and adjust that into your monthly budget. If your dream vacation is looking to be too costly, then start looking at cheaper options. Maybe you should only go away for 5 days instead of 7? Or maybe you could get just as much enjoyment driving to a closer vaca spot rather than traveling across the country. Use this same method when looking to make a big purchase such as a new appliance.
Good credit is not a commodity to be bought or sold; it’s something which has to be cultivated with time. All it takes is the right strategies and financial moves to acquire a good credit rating and its associated perks.
Your credit score falls anywhere between 300 and 850. The higher your score, the lower risk you are in the eyes of credit reporting agencies and lenders. Similarly, the lower the score, the riskier you are. While a good credit score can be considered anything over 720, a low credit score is permanent and can be changed with some hard work and good tactics. What are these tactics? Here are some financial moves people with good credit consistently make:
Use Available Credit Sparingly
The amount of money you owe in relation to your credit limits helps determine your FICO score. This is known as ‘credit utilization’ and people with good credit don’t usually max it out. In fact, they keep their utilization limits rather low.
People with good credit make it a point to pay their bills on time every month. FICO credit scoring scale considers your payment history to be 35% in determining your score. Pay your bills on time before your due date to improve your score.
Stable Credit History
People with good credit have a long history of taking their debts seriously. They have proof of paying their bills in full and on time and are never on the lookout for how to make $5000 fast for some unexpected expense. Patience is key to build a positive credit history. The longer accounts are open and in good standing, the more positive weight they will hold on your credit.
A Mix of Credit
FICO considers your mix of company accounts, credit cards, mortgage loans and installment loans while determining your credit score. Those with various types of open credit like car loans, credit cards and mortgages have the best scores. So diversifying the type of credit you use proves helpful to you.
No Frequent Opening or Closing of Accounts
Frequently opening and closing accounts will cause your credit utilization ratio to change and almost always bring down your score. Every time you open a new account, your credit will automatically drop. The credit bureaus are unsure of how the new account will be used. After several months of on tie payments you will see your score bounce back.
Closing old accounts will also drop your score because your utilization and credit history are changing. Often times those old accounts in good standing are your super star accounts, giving you the best positive credit. You should only consider closing old accounts if your card has outrageous annual fees or interest rates.
Remember, you can’t get a good credit score overnight. No matter what your financial situation may be, you need time to prove your creditworthiness. Patience and good practice will increase your score on your journey to the 700 club.
Consumers who have no credit often have a hard time getting approved for loans. If you are one of these individuals then you probably already know this. Normally you’ll need a credit card or loan in order to establish credit, yet you need established credit in order to get approved for a credit card or a loan. Sounds almost like a catch 22.
Credit can be tricky, but never fear! There are ways to build your credit from the ground up without hopelessly applying for credit cards only to keep getting declined. First, let’s take a gander at the credit score influences to better understand what makes up your score.
How are Credit Scores Generated?
What Determines your credit score? (Source myfico.com)
A couple of months ago we wrote an article (and released a video): What Makes Up Your Credit Score. In the article, we went over the 5 main factors that are responsible for generating your credit score. They are as follows:
Payment History (35%): Make your Payments on time. Just one late payment will bring your score down drastically and can go against your credit score for up to 7 years!
Amounts Owed (30%): Credit utilization plays a big factor when it comes to determining your score. Best practices say you should use your cards regularly, but never go over 20%-30% of your credit limit.
Length of Credit History (15%): Try your best to keep cards open for as long as possible. Closing old accounts will cause your utilization to rise and credit history to shorten.
Variety of Credit (10%): Having a variety of credit shows the credit bureaus that you can handle different types of credit. This is something that should be obtained over time.
New Credit (10%): Any new credit account will drop your score simply because the bureaus aren’t sure of how well it will be maintained yet.
Now that you understand the basics of scoring your credit, let’s start focusing on what we can do to build your score.
Check your Credit Report
In 2013, a study by the FTC found that 1 in 5 consumers had errors in their credit report. Your credit report should be checked on a regular basis. Every consumer has a right to a free credit report from all 3 bureaus. Go to annualcreditreport.com and check to make sure everything is reporting correctly. These reports won’t give you a credit score, just the history (that’s alright though, if you have no established credit you won’t be able to generate a score yet anyway.)
Apply for Cards
Without any established credit, chances are you’ll get declined for most credit cards. Luckily, there are other options for people with no credit.
Secured Credit Cards: Secured credit cards are credit cards that are backed by a cash deposit. The credit limits are usually low (only a few hundred dollars) and you’ll get the deposit back once you close the card. Once backing your secured card, you’ll use it just like a regular credit card. Pay of the account each month, don’t max it out and make sure you make on time payments.
After a couple months of use, the secured card should generate you positive lines of credit. At this time you can graduate to a regular unsecured credit card. You can obtain secured credit cards from your bank or our website here.
Become an Authorized User: You know that family member or friend you have with immaculate credit? If it’s okay with them, you can become an authorized user on their account. After becoming an authorized user, your credit report will start show the said account, helping you generate some positive credit!
Student Credit Cards: Student credit cards are great options for a young person looking to start building their credit. Although the credit limits are usually low with a high interest rate, the acceptance rates are high, allowing you to build credit at a young age.
Retail Cards: Retail store cards can help consumers save money at their favorite stores and are pretty easy to get approved for. There are some drawbacks to retail store cards though. Aside from the fact that you’ll have to go shopping regularly, they usually have a small limit with above average interest rates.
Get a Cosigner: If you don’t like the previous options, you can still obtain a regular credit card with the help of a cosigner. Just know you will be partially responsible for the fate of your cosigner’s credit. Any derogatory remarks you make on the cosigned account will also appear on your cosigner’s credit report, so make sure you always pay on time and keep your utilization low.
Use Best Practices
After getting your card, make it a point to use it correctly with these best practices:
Use your card regularly: The credit bureaus want to see you use your card (just make sure don’t live beyond your means and charge what you can’t afford.) If you don’t use the card the lender may close it due to inactivity, which will cause a drop in your score.
ALWAYS Pay On Time: Late payments are the #1 reason for declines in credit scores. They’ll drop your score and go against your credit for years. Make sure you always pay on or before the due date each month.
Pay Off the Balance Every Month: Pay off the balance so you don’t get killed with interest. Doing so over a period of time will also generate you a good credit score.
Keep Your Balances Low: Consumers with the best scores have them because they keep their balances between 1%-10% every month. Try to replicate their practices and give yourself a limit of 30% or lower of your high credit limit and NEVER max out!
Keep Accounts Open: Old credit cards aren’t like old appliances. The older they get the more beneficial they are to your credit. Try to keep your old accounts open as they are helping your credit the most.
Monitor Your Progress
You’ve educated yourself, you’ve gotten your first card and you’ve learned the best practices, now’s the time to watch your score go sky high. Watching your credit score rise from scratch can be fun and exciting. Enroll with a credit monitoring program to ensure everything is still reporting correctly and make sure you make good use of the best practices above in your journey to the 700 club (or higher!)
Summer is coming to a close and for college students, that means it’s time to head back to school (or start school for you freshmen out there.) Everyone knows college is expensive, and the price only seems to be increasing every year. In fact, the average 2015 graduate with student-loan debt will have to pay upwards of $35,000 making them the most indebted class ever.
Student loans go hand and hand with your personal finances and credit report. One of the critical factors which is considered by financial institutions before they had out a loan to any borrower, is their credit report. And having bad credit can reject any person’s application. This is one of the main reasons why many personal financial institutions have begun to offer a loan for veteran even if they have bad credit. When you or your kids apply for student loans, make sure they’re taking the right steps to applying for student loans to avoid crippling debt come post-graduation. If you have already graduated and are struggling with your student loans, check out our blog post: Game of Loans – A Guide to Defeating Student Loan Interest.
Step 1: Apply For Scholarships
There are millions of scholarships out there just waiting to be awarded to students like you (assuming you are a student.) There’s just about a scholarship for everything, whether you’re artistic, intelligent, athletic or speak Klingon (yes you read that right, there IS a scholarship based on the Star Trek language.)
Find out if you are eligible for a scholarship that’s right for you. Use this free search from Discover.
Step 2: Compare Financial Aid Offers
I’m sure the financial aid offers will be rolling in. Make sure you read the fine print and compare all of the financial aid packages you may receive. It’s always good to have options, so choose the offer that you believe is the best fit for your situation.
Step 3: Plan a Budget
Having a good budget in mind will help when determining how much you need to borrow. Always take into consideration the college cost, your cost of living, your contribution, financial aid & scholarships. Crunch the numbers and see how large of a loan you’ll need.
Step 4: Only Borrow What You Need
Just because Sallie Mae is offering you more than you expected doesn’t mean you have to accept it. Only borrow what you need based upon the budget you came up with in step 3. Doing so will mean less money to pay off after you graduate and also less money you’ll be paying in interest.
Step 5: Talk with Your Financial Aid Officer
Your financial aid officer is there to help you. If you see something you don’t understand, ask questions and ask for their advice. If you think you may need to borrow more, you might want to look into Private Loans. Just so you know, if you are planning to take out private loans you will need a cosigner with good credit.
Step 6: Know your Loans Before you Sign
You’re finally ready to sign for your student loans! Make sure your know everything about them before doing so. Read the fine print. Know specifics like: How much is the total amount of the loan? Can you get a lower interest rate? What will the monthly payments be? How long before you will have to start paying? Are any fees involved?
Ask your student loan officer if you have any questions and make sure you know your loan through and through before signing away.
Step 7: Get a Part-Time Job
Securing a part-time job while away at school can help you cover your living expenses, giving you more money to put towards the loan. You may even want to consider a work-study program at your college.
Step 8: Start Making Payments While in College
Just because your payments don’t start until after you graduate, doesn’t mean you have to wait to pay. You’d be surprised how big of a chunk you can take out of your loans within the 4 years you are in school. You don’t have to pay a ton of money either. Pay what excess money you can afford, every bit counts!
So you’re getting ready to show off some properties to your new clients. You map out where you’re going and pile into your trusty, but dated, automobile.
It’s about that time you realize the “old girl” isn’t what she used to be. Perhaps a new car would look a bit more professional, but you’re not ready for a new car loan. Maybe business credit is right for you.
With Summer coming to a close, many consumers take this time to relocate. The kids move away to college, thousands of families are leaving their summer getaways and people are ready to settle into their new spot before the winter months arrive. As exciting as moving is, it does bring its share of stress to the table. Although most moves go smooth, there are still some scammers out there looking to swindle you out of your money when you are most vulnerable. Watch for these moving scams before you begin to pack. You’re going to want to be aware of the latest scams of the moment, Shravan Gupta scam is one of them.
Moving Companies
If you’re lacking the manpower or vehicles needed to move all that big stuff, you may consider hiring a moving company. With the help of the moving company, you can finish your move within a fraction of the time. When picking a moving company, you’re going to want to go with someone reputable (something we touched upon in an article earlier this summer.) So before you put your belongings in the hands of strangers, watch out for these red flags:
Deals Too Good To Be True
As the old saying goes “if it’s too good to be true, it probably is.” The same implies with moving companies. If they are giving you an estimate or a flat rate without taking a look at what they’re going to be hauling, then expect to pay more later down the road. Most moving scams will come from movers offering unbelievable rates, only to hold your stuff hostage for more money once it’s on their truck.
Do your research and make sure there are no additional fees later on. If signing a contract, make sure you read the fine print, and question anything that seems suspicious.
A Security Deposit
Always question companies that require you to pay a security deposit before any actual service. You don’t want to pay a deposit, only to find out the company doesn’t show up on the day of the move.
No Website or Listings
In today’s world every company should have some sort of website. If the moving company you’re trying to make a deal with isn’t showing up online or under any type of listing, you should look elsewhere. Some moving scammers will haul away your stuff, then change their name to avoid detection, leaving you left with nothing. Make sure the moving company you choose has a reliable website with positive feedback.
Bad Reviews
This goes hand in hand with website. Find out what others thought of the experience with the moving company. If you see a laundry list of bad reviews, chances are your experience is going to add to that list.
Fraudulent Moving Ads (Criagstlist)
Whenever looking for something on Cragislist, you should ALWAYS approach with caution. Craigslist’s scams are very high in volume and people are getting swindled right now as you read this. In teams of moving, the most common fraudulent ads appear in the hopes to attract college students to awesome off-campus housing at unbelievable prices. Lookout for these red flags, and NEVER give money to someone before meeting with them first at the location of the property.
Deposits Without Meeting
The most common message you’ll get when talking with a scammer is something along the lines of “the family who’s renting the house is out of town for a week. Just wire the deposit and the rental will be all yours!” Sounds sketchy right? That’s because it is. Fraudulent ad scammers also go as far as finding houses that are actually listed for rent/sale on other reputable sites and then post the listings to Craiglist in hopes of getting your deposit without ever meeting.
The best way to avoid this is to go through a Realtor or call the number on the for rent sign. Never give any money before looking at the property.
Is it possible to have too many credit cards? Having a large amount of credit cards isn’t always a bad thing. If maintained well, having tons of credit cards can be beneficial to your credit score. When it comes to your credit score, it’s all about managing your credit cards correctly. If you are unable to keep track of your balance, then chances are you might have too many cards to handle.
When the credit bureaus factor your credit score, they will take a look at your credit utilization. What this means is they look at how much borrowing ability you have and how much you are actually using. For Example: If you have a combined credit limit of $50,000 and you’re only using $5,000 your utilization is 10% which is great! Now lets say you close most of those cards and your credit limit drops to $10,000. Your utilization ratio just went from 10% to 50% and your score probably took a nosedive. Not everyone can manage this much credit in good fashion. Here’s 5 signs your credit cards may be getting out of hand:
1. Can’t Remember Which Cards are Which?
I’m sure you’ve seen it before or maybe it’s happened to you. You’re at the outlets purchasing next season’s wardrobe when your card gets declined. You think to yourself “Oh that’s the “bad” card, let’s try this one. I think this one has some credit on it.” Sound familiar? If you said yes then this is a sign you may be spending beyond your means. Always try to keep track of which cards carry what balance. Doing so will allow you to better maintain your accounts and let you focus more on paying down that “bad card.”
2. Opening New Cards because the Old Ones are Maxed Out
Probably the biggest red flag to having too many credit cards. If all of your cards are maxed out, the last thing you need is another credit card to add to you maxed out list. Adding a new card to your already monstrous debt will only cause more problems. Adjust your budget and attempt to be more frugal with your spending money. Try to focus on paying the maxed out cards off. If possible apply for 0% balance transfer cards to help pay accounts off. 0% balance transfer cards will allow you to pay off your balance with no interest for a set amount of time. You’d be surprised how quickly you can pay down accounts when not paying interest.
3. Getting Denied for Additional Credit Cards
If you already have a decent amount of credit cards and you’re getting denied new credit, chances are you have too many cards in derogatory standing. There are a few reasons why you would get denied new credit. As stated previously, your cards may be maxed out and therefore the creditor assumes you aren’t capable of taking on new debt. Another reason may be that you have too many late payments on your report and the creditor doesn’t believe you will pay on time. Remember, late payments can remain on your credit for up to 7 years, even after current or satisfied.
4. Those Damned Late Fees!
Late fees are always a pain in the rear end and getting hit with them every month is a good indicator you have too many cards. Even if you are capable of paying on time, some cards might slip through the cracks simply because you forgot about them. Late fees cost you money and if 30 days past due, will destroy your credit score.
5. That Mountain of Unused Credit Cards
Closing old credit cards can hurt your credit score, this goes back to the credit utilization we talked about in reason 1. That being said, if you are already using a bunch of cards and have a plethora of old cards just taking up space in your wallet, you probably have too many cards. If these old, unused cards still carry balances on them, make your best effort to pay them off. After these accounts are paid you can close them to help manage your debt. Just be aware, if the accounts your looking to close make up the majority of your credit limit, your score will suffer. Of course if you are not struggling to pay off accounts and you have a good credit utilization ratio, then you may want to leave them open until they go inactive. As long as you make payments on time and keep a low credit utilization ratio, you will see a positive reflection in your credit score.
Contact us For a Free Credit Consultation
If you’re having credit troubles contact us for a free consultation. We’ll go over your credit report with you and point you in the right direction. Just fill out the form below.
With 56% of Americans having poor or bad credit, good credit can be hard to come by… But what is a good credit score exactly? Different lenders may have different definitions of what a “good” credit score is. One lender may approve clients with a 640 credit score or higher while another might approve clients at 720. The higher your credit score is, the more likely you are to get approved and the better your rate will be.
Score Range
FICO score is the most commonly used credit scoring model. FICO scores ranges from 300-850 and can differ depending on what credit application you’re pulling for. If you are applying for a mortgage your score will be different than applying for a new car, and both of those scores will be different than a score applying for a credit card, and so on. Here is the considered scoring range for FICO scores:
FICO Scoring Model:
Excellent Credit: 781-850
Good Credit: 661-780
Fair Credit: 601-60
Poor Credit: 501-600
Bad Credit: Below 500
Why it’s Important to Have a Good Credit Score
While you may be able to get approved from some lenders with a 640, you’ll be missing out on premium rates which can mean you’ll be paying more money in the long run. Someone with a 780 may wind up paying close to $100,000 less on a mortgage compared to someone in the mid 600s. Good credit will also allow you to get better credit cards with lower interest rates as well. It’s no joke, people with bad credit will always wind up paying more. Read our blog on how bad credit will control your life for a better understanding of this.
What is your Credit Score?
Don’t just assume you have good credit. If you plan on applying for a loan in the not too distant future, you may want to figure out where your scores are at right now. Find out your scores and make sure there are no errors reporting on them. Fill out the form below and Better Qualified will give you a free credit consultation with a credit analyst.
Why do we have credit scores? What makes up your credit score? Did you know 56% of Americans have bad credit?
Credit scores were implemented to determine the creditworthiness of a borrower. The higher the credit score, the more likely the consumer will pay his or her bills on time. While the most important piece of your credit score can be paying on time, there are several other factors that play a role in determining your score as well.
Payment History 35%
When it comes to determining your credit score, the biggest piece of the puzzle is your payment history. What this means is you have to stay current on your accounts and pay on time. If your forgetting to make payments, set reminders for yourself or enroll in autopay. Just 1 missed payment can drop your credit score 100 points or more and take a long time to recover.
If you’re having trouble making payments, consider contacting the lender or switching to 0% balance transfer cards. 0% balance transfer cards will transfer your balance and allow you to make payments with no interest for a set period of time. You’ll be surprised how quickly you can pay off accounts when interest isn’t accruing.
Amounts Owed 30%
Don’t max out! Maxing out your credit cards is not good for a number of reasons. Maxed out cards with ensure that you are paying the maximum amount of interest possible. When you get to this point, climbing out of debt can feel like climbing Mt Everest. Making minimum payments will only pay off the interest, leaving you in limbo. It’s also noteworthy to say that consumers with maxed out cards have an average credit score of 563.
On the flipside, not using your credit cards will also hurt your credit score. You want to use them, but not overuse them. Pay your accounts down to 20% of the credit limit or lower. Doing so will give you a quick boost in score. Always try to remain below 20% of your limit. Once you pass the 20% threshold your score will start to decline.
Another method to raise your credit score would be to ask the creditor for an increase in your credit line. Increasing your credit line will see the utilization ratio drop, bringing your closer to 20% or lower and increasing your credit score.
Length of Credit History 15%
I see it all the time, clients call in wondering why their credit score had dropped. They just got a new credit card and closed their old one. Not a good idea. Old credit cards are not like old appliances. The older your card, the more impact it has on your score. Closing old accounts will almost always bring your score down.
If your old card has outrageous annual fees or super high interest rates, then you may want to think about closing them up. Before you do, call your credit card company and ask if they can waive the fee or reduce your interest rate. If they refuse to budge, then you may want to make the moves to close your account.
Variety of Credit 10%
Consumers with the highest credit scores have them because they have a variety of credit. There are 2 types of credit: Installment loans set at a fixed rate which are your mortgages, auto loans and student loans to name a few, and revolving credit which are your credit cards.
It’s always a good idea to have a few different accounts open on your credit report, including a few different credit cards. Doing so will spread out your utilization and make it easier to maintain a good score.
New Credit 10%
New credit can happen any time you apply for a new loan or account. When your credit score is pulled an inquiry is created. Inquiries will shave off a few points from your score and affect your credit for about 1 year (although they can report for 2 years.) Inquiries have strength in numbers and can really bring your score down if you’re constantly pulling your credit throughout the year. So make sure to keep a watchful eye on your inquiries.
If you are struggling with bad credit and would like a free consultation with an expect, please fill out the form below and we’ll be happy to point your credit in the right direction (up!)
