🚨DON'T MAX OUT YOUR CREDIT CARDS!🚨 Running up too much debt on your credit cards doesn’t just lead to extra interest payments, it also negatively impacts your credit scores. Under most credit scoring models, including the FICO credit score and the VantageScore, the amount of debt you carry on your credit cards is a big factor in the calculation of your credit score.
To avoid lowering your credit score, never max out your credit cards. If possible, don’t charge more than 25% to 30% of your credit card limits. And to have the highest possible credit scores (i.e. scores of 760 to 850 points), limit your credit card balances to less than 10% of your available credit limits.
Contact me today at 205.260.0844 for more help!
If one ☝🏽of your major goals is to own your own home 🏡, purchase a vehicle 🚗, or get funding to start your own business 🏬, comment "CREDIT" and I will tell YOU how YOU 👈🏽 could use a unique program to REMOVE #negative stuff from your credit report... Inquire About:
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Your Credit Score May Soon Look Better
Starting July 1, the three major credit reporting companies — Equifax, Experian and TransUnion — will enforce stricter rules on the public records they collect, requiring each citation to include the subject’s name, address and either their Social Security number or date of birth. Nearly all civil judgments and at least half of the nation’s tax lien records do not meet the new standards, and will be eliminated from consumer credit reports.
However, if you're in the process or thinking of buying a home please be mindful that a judgement or lien can still be reported and found by a third-party called Lexis Nexis. Lexis Nexis Group is a corporation providing computer-assisted legal research as well as business research and risk management services.
If you're in the market of purchasing a home underwriters may use one of LexisNexis products called RiskView to search judgements and liens – and your mortgage originator may not have access to this product during the pre-qualification process. Make sure to so your own fact-finding, research and keep documentation whether its a letter, email or receipt to show proof of payment and/or release.
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If you want to buy, sell, invest or become a real estate agent... check out @haywoodhomesgroup
If your credit is bad or could be better... fix it yourself or pay someone else to do it?
If you in debt and no you’ll never pay it off and want a fresh start... file for bankruptcy... CALL ME.
If you want to start a business or change your career... do you research, plan & prepare yourself.
Just... Make a move! No more reasons why you can’t - no more excuses! #mondaymotivation
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