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🚀 Exciting News! We're your new go-to for health insurance solutions. Affordable, reliable, and tailored just for you. S...
09/11/2023

🚀 Exciting News! We're your new go-to for health insurance solutions. Affordable, reliable, and tailored just for you. Stay tuned for more updates! "

Happy Wednesday!We're back in action!😁This might answer your question.What Is Consumer Credit?Consumer credit is persona...
10/19/2022

Happy Wednesday!

We're back in action!😁

This might answer your question.

What Is Consumer Credit?

Consumer credit is personal debt taken on to purchase goods and services. A credit card is one form of consumer credit.

Although any type of personal loan could be labeled consumer credit, the term is more often used to describe unsecured debt that is taken on to buy everyday goods and services. However, consumer debt can also include collateralized consumer loans like mortgage and car loans.

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What is Credit Counseling?-Credit counseling helps consumers with consumer credit, money management, debt management, an...
10/12/2022

What is Credit Counseling?

-Credit counseling helps consumers with consumer credit, money management, debt management, and budgeting.
-The purpose of credit counseling is to help a debtor avoid bankruptcy if they are struggling with their debt burdens.
-Counseling services negotiate with creditors on the borrower’s behalf to reduce interest rates and waive fees.
-A credit counselor can also discuss debt repayment strategies to help you choose a method that works best for you.

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Happy Monday!Did you know?-A credit monitoring service guards against identity theft and credit card fraud.-Credit monit...
10/10/2022

Happy Monday!

Did you know?

-A credit monitoring service guards against identity theft and credit card fraud.

-Credit monitoring services also track changes in borrower behavior to notify consumers of potential fraud.

-Without credit monitoring services, if an individual's personal -information is compromised and used without their knowledge, their ability to access credit could be destroyed.

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What Is Debt Consolidation?Debt consolidation refers to the act of taking out a new loan to pay off other liabilities an...
10/07/2022

What Is Debt Consolidation?

Debt consolidation refers to the act of taking out a new loan to pay off other liabilities and consumer debts. Multiple debts are combined into a single, larger debt, such as a loan, usually with more favorable payoff terms—a lower interest rate, lower monthly payment, or both. Debt consolidation can be used as a tool to deal with student loan debt, credit card debt, and other liabilities.

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What are credit disputes?A credit card dispute is when a consumer requests that their credit card company remove an inco...
10/06/2022

What are credit disputes?

A credit card dispute is when a consumer requests that their credit card company remove an incorrect or fraudulent charge from their bill. That might happen if you bought an item online but never got it in the mail, or if a charge appeared on your account that you never made.

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See If You Qualify for a 0% Interest CardSeveral companies offer cards with 0% interest on balances, but there are cavea...
10/04/2022

See If You Qualify for a 0% Interest Card

Several companies offer cards with 0% interest on balances, but there are caveats to this. There can be a fee for transferring the balance and the 0%offer is only good for an introductory period, typically 12-18 months. It usually takes a very good credit score to qualify for one of these.

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Credit Tip Monday!Pay Attention to Credit UtilizationYour credit utilization rate is the amount of revolving credit you’...
10/03/2022

Credit Tip Monday!

Pay Attention to Credit Utilization

Your credit utilization rate is the amount of revolving credit you’re using divided by the amount of revolving credit you have available. It makes up 30% of your credit score and is often the most overlooked method of improving your score. For most people, revolving credit just means credit cards, but it includes personal and home equity lines of credit as well. A good credit utilization rate never exceeds 30%. So, if you have a credit limit of $5,000, you should never use more than $1,500.

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Diversify Your AccountsYour credit mix — mortgage, auto loans, student loans and credit cards — counts for 10% of your c...
09/29/2022

Diversify Your Accounts

Your credit mix — mortgage, auto loans, student loans and credit cards — counts for 10% of your credit score. Adding another element to the current mix helps your score, as long as you make on-time payments.

Do you have questions about your credit? Book a Consultation Today!

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Pay Down “Maxed Out” Cards FirstIf you use multiple credit cards and the amount owed on one or more is close to the cred...
09/27/2022

Pay Down “Maxed Out” Cards First

If you use multiple credit cards and the amount owed on one or more is close to the credit limit, pay that one off first to bring down your credit utilization rate.

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Be Careful Paying Off Old DebtsIf a debt is “charged off” by the creditor, it means they do not expect further payments....
09/23/2022

Be Careful Paying Off Old Debts

If a debt is “charged off” by the creditor, it means they do not expect further payments. If you make a payment on a charged off account, it reactivates the debt and lowers your credit score. This often happens when collection agencies are involved.

Do you have concerns about your Credit?

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Don’t Close Unused Credit Card AccountsThe age of your credit history matters and a longer history is better. If you mus...
09/21/2022

Don’t Close Unused Credit Card Accounts

The age of your credit history matters and a longer history is better. If you must close credit accounts, close newer ones.

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CONSULTATION Now and Learn more!

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