Tony Perkins

Helping other people get what they want.

10/08/2026

A budget gives your money a job.
Knowing what’s coming in, what’s going out, and what you’re saving can help you stay in control instead of wondering where your money went.
Small changes in how you manage your money can add up over time.

10/06/2026

Good credit can make a real difference in what you pay—and what you qualify for.
From better loan and mortgage rates to rental approvals, insurance costs, and credit card options, a stronger credit profile can open more doors and save you money.
Your credit affects more than you may realize.

12/08/2024

Your Insider’s Guide to Hiring Credit Repair

What Do Legitimate Credit Repair Companies Do?

If you want to hire a credit repair service, here’s what to look for in a great credit repair business:

1. Realistic Promises - Legitimate credit repair agencies don’t promise you the moon. Instead, they set realistic expectations for customers in need of credit repair.

2. Upfront Pricing - Most reputable credit repair companies will put their pricing in an easy-to-spot section on their website.

3. Extensive Agreement - You should receive a full agreement with transparent details. The contract should include the cost, work to be done, and any other relevant details. Without an agreement, you can’t be sure the company is legitimate.

4. Positive Customer Feedback - A legitimate company should have genuine glowing reviews from real customers.

5. Money-Back Guarantee - If a company is willing to honor a money-back guarantee, it’s likely legit. After all, they believe in their services so much that they are willing to bet on themselves.

When working with a legitimate credit repair company, you can expect the following:

👀 A complete review of your credit reports: A legit credit repair company will examine your credit reports closely to find any errors.

📄 Challenge for Compliance: For your derogatory credit, the best credit repair companies will challenge using Metro 2 Compliance methods for you.

🗓️ Provide ongoing credit monitoring: Excellent credit repair agencies offer an ongoing service to monitor your credit reports for fraud.

09/30/2024

"Busting the Biggest Myths About Buying a Home in 2024

Myth 1: The Housing Market is on the Verge of Crashing, Just Like in 2008
- Back then, a combination of factors led to the housing market collapse: a surplus of new homes, lenient lending practices, and adjustable-rate mortgages that homeowners couldn’t afford once the rates increased. Today, the scenario is quite different.

Myth 2: Owners Will Never Sell Given Their Current Rate
- Life happens, and people will always need to move for various reasons. New job opportunities, growing families, retirees looking to downsize, and seniors moving closer to family or into assisted living are just a few examples.

Myth 3: As Rates Rise, Home Prices Will Drop
- While higher rates can affect affordability, they don’t automatically cause prices to plummet. In reality, home prices are driven more by inventory levels.

Myth 4: Good-Credit Buyers are Subsidizing Buyers with Bad Credit
- With the new fee structure, upfront fees are eliminated for first-time homebuyers. So this change isn’t about credit scores—it’s about supporting first-time buyers who need a leg up. Buyers with poor credit still pay higher interest rates than those with good credit."

05/04/2024

Growing Credit Card Losses Indicate Strain on Consumers
The latest sign that consumers are struggling with debt came from recent figures on the net loss rate among six major credit card issuers. The net loss rate represents the percentage of credit card debts that credit card companies have deemed uncollectable. Net loss rates increased for four of the six major card issuers in March.

- https://www.spglobal.com/marketintelligence/en/news-insights/latest-news-headlines/average-net-loss-rate-up-for-6-major-us-credit-card-issuers-in-march-81278341?fbclid=IwZXh0bgNhZW0CMTAAAR3t2gsBp999Nu9T-vixtx8caOflSdrJK56itUtTIZ_YOLB1KMPLsWL3TL4_aem_AXJkSCx0gJuh0aX5FGdfXwrSDICRgiybyuAAEXzKL2454tW8fCUHhWskw2ZQQlyw7oVj2p_3EyrUU4aNCzzvyPRG

04/24/2024

It's called an investment since it is an investment in yourself.

The good news is that this will actually save you money, so cost is never a problem because it pays for itself.

03/22/2023

When you seek professional credit counseling or credit help, counselors will generally work with you to help you develop a personalized strategy that expressly addresses your credit problems and financial history.

When developing your action plan, know where most of your credit score is coming from:
1) Your credit history (accounts for 35% of your credit score in some cases).
2) Your current debts (accounts for approximately 30% of your credit score in some cases)
3) How long you have had credit (accounts for up to 15% of your credit score in some cases)
4) The types of credit you have (accounts for about 10% of your credit score, in most cases)

keeping these 4 areas in mind and making sure that each is addressed in your
personalized plan will go a long way in making sure that your personalized credit repair plan is comprehensive enough to boost your credit effectively.

11/17/2022

30% of your credit score is based on utilization which is calculated by taking the total amount that you owe on your credit cards and dividing it by the total credit limits on all you credit cards.

For example, if you owe $5000 in credit card debt and have $20,000 in total credit limits on all your credit cards, your utilization would be 25% ($5000/$20,000). It is best to keep this utilization percentage below 30%.

All of the suggestions in this picture, like frequent payments, requesting credit line increases, removing errors, and keeping zero balance credit cards open, helps keep your total credit limits higher. And this will lower your credit utilization percentage which can increase your credit score.

Address

28202 Cabot Road, Ste 300
Laguna Niguel, CA
92677

Website

http://tonyscreditrepair.com/

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