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If your credit rating is faltering or has hit rock bottom this year, there are ways that you can boost your credit scores.  It is important to take an honest look at your immediate circumstances and be real with yourself to move forward. 2015 is right around the corner and if you struggled all year or even over the last few years, these time-tested tips can give you a sense of order to move forward.

  1. Obtain all three copies of your credit report.

There are three main credit reporting agencies and not all companies will report to all three of them.  It is vital that you obtain copies of your credit report from all three agencies.  This way, if you have a problem on one report it may not necessarily show up on the other reports and you can still ward off any mistakes or issues.  Don’t just get a report from one of the major agencies, get all of them.

  1. Check your credit report often.

Experts advise checking your credit report at least once a year.  Some people, however, obtain their reports as often as every quarter.  It really depends on the activity and other factors as to how often you should check.  The common consumer who only has a few lines of credit can probably get away with checking less often.  It is important, though, to check your credit report so that you can ward off any problems, issues or even unauthorized activity.

  1. Delete your negative credit if possible.

If you have any negative credit such as delinquent accounts or slow payment history you need to work to bring it all current.  Credit repair is not as easy as it used to be, but you can pay on delinquent accounts to get them to a current status.  You should also begin to make regular, timely payments on a payment history that is slow or lagging.  If you can pay your delinquent accounts all at one time to bet them to a current status, but if that is not a possibility, you can pay on the accounts in increments and pay it a little at a time until current.

  1. Don’t close old accounts.

While you may be tempted to close old accounts, resist that temptation.  Keeping old accounts open and current will show as current accounts on your report.  This will show that you have active, good credit and will help to boost your rating.  The longer that you have revolving credit accounts with no negative reports, the better it makes your credit appear.  This translates to a better overall credit score.  Many credit experts advise that you keep a balance a balance or 30 percent of your credit limit.

  1. Pay your bills on time – always.

You may think that this tip is rather obvious, but it still stands to be repeated.  Your credit score can begin to decline even if you are only 30 days late in payment.  Even if you pay every month, if you pay late every month, you are still damaging your credit.  Your best bet is to make your payments on time every single month.

  1. Use credit to pay for credit.

This is an old, tried and true technique for credit building.  Get a secured credit card for “x” amount of dollars.  Once you receive your card, get a cash advance of 70 percent of your credit limit.  Do this with a second and third cards as well, using the cash advance from the previous card.  Open a checking account with the cash advance on the third card.  Use this checking account solely for making payments on your three cards.  Pay on time each month and your credit score will increase.  It may drop initially because of the three accounts taken out so quickly in succession, but within 4 months it will have rebounded and your score will be greater.

  1. Maintain different types of credit.

Diversify your credit with revolving accounts, unsecured loans and secured loans.  This shows that you are able to manage several different types of credit at once.  Get a vehicle, mortgage or personal loan so that you can have an installment loan on your credit report and charge cards give you the revolving credit.  This shows that you can handle short term credit, long term credit, fixed payments and variable monthly payments.

  1. Don’t file for bankruptcy.

While bankruptcy may seem like an easy way to get out of debt, resist the temptation.  Don’t file for bankruptcy or foreclosure; they remain on your credit report for 10 years and will cause your credit score to plummet.  However, the older a bankruptcy becomes (as long as it is combined with a credit history that is rebuilt), the less impact it will have on your credit score.

  1. Don’t open new lines of credit.

Do not open new lines of credit unless you absolutely must.  Every time that you apply for credit there is an inquiry that is placed on your report.  This often causes your credit score to drop slightly.  This is more important when you are just starting out or when you are rebuilding credit because you either show no payment history or a negative payment history.  That, combined with a lowered score can show you as a credit risks to creditors.

  1. Stay on top of all credit issues.

As soon as you realize that there is a problem with your credit, you need to take care of it as soon as possible.  When you are staying on top of your credit issues you can ward off problems that will destroy your credit score.  This strategy will also help you ward off fraudulent activity that may occur on your account due to thieves and identity theft.

When you use these tips to boost your credit rating you will see great results.  Your credit rating will improve with the structure you establish and you will have better access to credit if you never need it for emergencies. Emergencies can come at any time as we all know and your ability to some form of credit can truly help in a time of need.

Merry Christmas and Happy Holidays!


Staying on top of your very personal credit situation is a critical component of any kind of recovery effort. Many times in my conversations with my clients, it is often revealed they have no idea what is happening with their credit files. It’s daunting to live your life every day and make an appointment to see the dentist, a medical professional, your kids school teacher, and even your Tax Advisor; but have no idea what is going on with your credit files! In today’s article, I will outline 5 reasons to monitor your credit situation and those that have access to your information.

Your ability to stay off any foul play, misuse or representation based on illegal access to your personal credit information can only be further progressed if you bother to manage your credit files to begin with. Waiting until your car breaks down is a terrible time to discover you need to buy a new one and learn after an application for a loan has been submitted that you can only buy an older car and not a one based on your credit score. What a way to find out, your credit is in the toilet! So, reason #1 is monitoring your credit files and scores.

1. A credit file monitoring service like Credit Check Total or Score Watch are great programs as they send you an email when someone access your credit files to review almost immediately if not within 24 hours. Know sooner than later what is likely to impact a critical decision that involves your credit scores. The other benefit some companies actually provide insurance to help you restore problems when there has been some kind of breach involving large companies.

2. Identity Theft is simply the ugliest thing that ever reared its head with life changing
consequences. It happens in such a way that people spend years cleaning it up and restoring order to their lives. I have personally used a website called, http://www.idwatchdog.com/. They have some amazing services where it will often be revealed the source of the abuser. I found the person who used my information on their website!

3. Unintentional merging of family files can sometimes reveal problems that are in fact not your because you shared a residence with someone and their debt landed on your credit files. Perhaps your named after someone and you need to know if issues arise in your name and identification.

4. Job hunting is harder now than ever because credit is used to lock out or even create a cloud of confusion that is not helpful when you are recovering from a hardship and old debts could not be paid. Potential employers are sometimes unforgiving and forget in these times, your credit may be a target and used to judge you moving forward.

5. Moving and change of addresses is the last reason you want to manage your credit files. This is important because the access that someone can get from your old mail about your lifestyle, interests and activies is revealed in mail that is delivered to you. Moving can lead to access to your information when a change a address is not recorded by the post office.  Be mindful of this. It’s important to know what you behind when you leave a residence.

I hope you find this article very helpful. Please leave a comment and let us know how we can help you more. Cheers to a smarter 2015!

How Pre-Approved Credit Offers Are Sent To You

In today’s post, I intend to shed some light on what goes on with someone’s personal identifying information and the relationship to “Pre-Approved or Pre-Screened Credit Offers”. While many times a credit offer coming in the mail seems like a cool thing; it is often the result of soft inquiries or screenings from various banks, marketing and/or lending institutions whom have an interest in promoting to the general public.  A lot of data, research and sometimes even your spending habits attract certain types of mail you may receive that has been prompted by a recent purchase, a survey, an online movie, a visit to the mall and even those easy breezy credit applications for a weekend jewelry store counter visit. So many things are captured in the way you may use your current personal information to go about your daily life.

Now this post is not intended to create fear in what you have experienced for a long time, but awareness is important because of the new ways of manipulation that do in fact affect your understanding of how and why you may notice a company that has gathered some data on you. The action of pre-screening you generates those mailed offers and in some instances, the knowledge of your credit potential is revealed. If you have good credit and want some low-interest rate credit or loans; this action could be appealing.  If your credit is going through a patch and you are sensitive to what and whom can see your reports than that is something you can control.

Junk mail is the leading annoying factor in those special sale opportunities for potential credit promotions designed to get your attention and consider the offer.  Bad credit promotions are even more aggressive as the interest rates on those offers are generally so high and outrageous, many people get in a bad situation with funky fees and auto-billings.  In an earlier post, you can check out how and why ordering your Annual Credit Report is the beginning of tracking these types of activities. If you haven’t done so, take the time to order your reports. You should know what and who is checking up on you. You can do so for free at www.annualcreditreport.com. This website does not provide credit scores for free.

There was a time when having a bad or challenged credit history could save you from pirates and thieves, but all that has gone away with Cyber activity and the use of stolen data. Even in situation where your credit score is not directly impacted by some kind of breach, your “liking or personal details” are in fact on the hook. A new persona can be created without your social security number. Be your champion this year and get your mind on your credit business. Your future does depend on it. I hope you enjoyed this post. Let us know how we can help you with your goals.

Credit Scores – Recognizing Their Impact and Leverage Part 2

I hope you have enjoyed the great content as you shape your goals for 2015. If you have been following our Facebook Fan page, you can often find some great primer’s on the direction things are going in the marketplace and insight to personal development. In today’s article I want to share why credit repair can be the strongest tool when carefully designed and structured with a credit building system. All credit repair is not created equal. Results, timing and clear understanding of all things driving the infrastructure of our financial back-drop makes a huge difference for any client.
For many years when I started this company, I saw that education was lacking for many families and even professionals seeking to broaden their advancement. Life is only as opportunistic as your prepared to move in any direction that requires money. Cash will always be king because its liquid for the most part. However, credit instruments will allow for a greater advantage when investing and even for simpler things like emergencies.
My ideas about family help, knowledge, generational preparedness, education for children and all of that shaping our economic advances for home ownership. I believe every family should become homeowners, its how wealth can even begin to show up and progress in some one’s life. The information I share on this site is always more cutting edge than anyplace else on the web because of it’s roots in caring about the successes for our clients. We not only service clients who seek help, but we also service other advisers in the credit, banking and financial industries. I learned early that helping them made for better service, understanding and smarter tools for our clients and theirs.
One thing that continues to plague credit challenged individuals and families is how to make credit repair work, how to restore leverage and what is the true impact of credit scores. So how can you make credit repair work? The answer is multifaceted and complex but I share some ways my team and I have found what makes the difference. First, credit repair in most cases is the strongest agent to restore problems with credit history.
As a full-service company; our clients are brought through allot of situations that often begin personally and play out financially. We coach them, encourage them and identify their triggers. Money is a magnet and triggers help us see what keeps them in their situation. Credit repair in the scientific sense is the mastery of the academics of what the credit bureaus capture, the lending climate expects and recognizes; the economic activities and long range leverage planning. Every person needs to understand that our world is driven by these factors. Credit repair is a simple way we explain the initial system at work. It can rectify changes needed by someone in trouble. Credit repair is not a scam nor a one-sized solution for anyone. It’s real and works; but not everyone can make it work and help people achieve their goals. No one starts credit repair without some kind of goal.
Attracting the credit leverage you seek takes some clear core competencies on the behalf of the professional you may be working with. Credit repair now is harder because many of the clients I work with have been in some serious trouble and have owned real estate previously. Credit repair alone for them is not the answer. They are often coming back from some hard hits! So what makes what I do and that of my team different? We build custom products and services for our clients. We have mastered some things that this market simply doesn’t have figured out. We love to see our clients get that dream house, finance that business and go on to build successful lives. It’s because of that kind of commitment, we see great things happen.
I hope you find this article helpful. I encourage you to commit to your goals and not let credit problems of the past stop you. It’s a new year and time waits for no one!
We are here to help!
Cheers to your 2015 Life!
Alexis – The Credit DIVA!

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