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I hope your Christmas and Holiday activities are off to a wonderful start. 2014 is about to gone for good in a few more weeks and it’s shocking how fast it went! In today’s post I want to highlight a great way to prevent credit problems while managing your spending this season. It’s widely known that the average consumer will rack up at least $1,000 in additional debt this season. People just go crazy over special incentives, door busters, and mail-in offers. One amazing way to stop over-spending and pushing those credit cards to the limit is shop the CLEARANCE items exclusively!

Credit problems always escalate this time of year. Banks see more NSF’s because people over-draft their accounts buying all over the place, more checks bounce and debit cards are pushed beyond their daily limits because a DEAL makes people crazy! Today’s SMART HOLIDAY CREDIT TIP #2 is shop closeouts and clearance on your favorite websites and during in-store visits If you are watching your spending even a little bit, these areas can save you allot of money and even if you push your giving to include more people, you just may stop yourself from wrecking your finances.
While the deals are appealing I want to include a BONUS recommendation; if you do in fact spend beyond your credit cards approved limit be sure to pay that balance overage by the next billing cycle. The reason is because your lender just might close that account to ensure no additional balances can rack up they feel they may have to collect on.
Keep these points in mind to close your year right:
1) Any credit cards you own right now could be in jeopardy if you have missed payments this year.
2) If you have a habit of not paying before their 10 day grace period ends, expect a late fee for that payment not posting on time to your account.
3) I some instances late fees accrue and can began to hurt your credit scores because they push your credit balances out of whack. BE MINDFUL!
Just some added value for your Holiday season. We want to help in anyway we can!
We hope you enjoy this post today. Please share it and comment if you enjoyed it!

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!

Getting Dialed in to your own credit situation

Nearly 50 millions people in the United States have poor credit and low credit scores according to CNBC. Those are some seriously damaging numbers about our American credit system. If you have been following me for some time, you know I am always working to shed light, information and resources to stop this kind of disparity. It is just simply terrible how people are so trapped by old credit problems. We need to get a grip on things so our families can have a strong future. Borrowing is all that people worry about and credit is so weaved in our lives where we can barely see that more income is needed so we can be less dependent on borrowing so much.

Do you need to increase your credit scores? Are you tired of worrying about your overall financial future? I am always concerned that the goals I set out to achieve could be thwarted by our changing credit economy and our values that govern how we look at money.

In this article, I want to share with you some key areas that can help you get more clear, motivated, action-oriented to restore your credit and repair your credit files. Credit scores make the world go around, and determine accessibility to everything even insurance. With rising housing costs, food and fuel; you have to wrap your head around what that could mean for you and your family.

1) Great credit gives you peace of mind, no late nights when you know that at moments notice you can make a move.

2) Buying real estate is your wealth access, high credit scores makes a huge difference to afford a home where you are not paying hidden interest.

3) Starting a business can be exciting and profitable, but good credit means expansion capital is cheaper to acquire.

Every family has growing costs for food, clothing, activities, travel and community interests. Nothing is free, but a quality of life hinges on the ability to have access to adequate resources that allow for a healthy way of life. Seeing your family become successful because of the right financial decisions that are made when they need to be made, makes all the difference. We are happier when we are not feeling like we are not control of our future.

Many individuals and families are trapped and cannot see their way out of old problems that could have caused credit issues in the present. We have saying here in our offices, a BK is not forever, tax liens are not forever, foreclosure is not forever.

Your future depends on you. Take control and get gr8t credit!

Need help and have questions, email us: info@getgr8tcreditvip.com. We are here for you.

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