Addicted to Fixing Your Credit, LLC

11/07/2017

What are your goals?

11/05/2017

Credit Bootcamp was amazing! I found some amazing additions for my credit business. Stay tuned for more details!! Now to enjoy the beach with my son Brian O'Leary and family!!

11/04/2017

Day 3 of Credit BootCamp. I love learning news ways to help my clients!!

11/03/2017

Are your credit cards maxed out? If so, that is hurting your score big time!!

11/02/2017

Did you know when you setup those payment plans with a debt collector, you restart your statue of limitations?

11/02/2017

I was walking around at this evening’s meet and greet Credit Repair Boot Camp not knowing anyone and this sweet lady ask me to join her and her sister. Before you know it, we had about 10 Credit Repair Specialists all around the table comparing notes. So great to meet new people and we all have a mission to help others!

11/01/2017

In helping people fix their credit, one of the first things we talk about is budgeting. So many of us do not realize where we are spending all of our money. In trying to help them set up a budget, I have them keep a record of every dollar they spend for a month. Then we categorize them and determine NEEDS versus WANTS. The only way to get out of debt and setup savings is to pair down the money spent on the want to haves or reduce to costs of your needed expenses. I recently counseled a couple that were renting a 3 bedroom apartment for just the 2 of them and were getting coffee and bagels out every morning. They were also maxed out on 3 credit cards. After going through a budget exercise, we found ways to save almost $400 per month to start paying down their credit cards!!! They are understandably nervous, but excited!! Are you looking for help? I am available!!

11/01/2017

Do you have a budget? Well, it is the 1st of the month.... It’s time to write out your budget and bills for the month. 💰An easy way to start is on one side of the paper write your bills and due dates and on the other side your total income. Next look for a bill that you can go without or reduce the cost. Put that extra money in an 🚨 emergency fund!! Having a budget and a goal to build some savings for the month helps control what you spend. Happy November!!! 🍂🍁🍂🍁🍁

06/27/2017

A recent survey from the National Foundation for Credit Counseling indicates that more people would be embarrassed to admit their credit scores (30%) than their weight (12%).

While crash diets don’t usually work and can be unhealthy, it is possible to change your credit score fairly quickly. But just as with weight loss, “quickly” is a relative term. Seeing any improvement could take 30 to 60 days.

If you have had a credit card for at least 6 months to a year and no late payments, ask your credit card provider if they can raise your credit limit. Just remember to only use 30% or less of your limit.

06/23/2017

Why budget? Budgeting is the first step on the road to
financial success. Controlling your day to day finances allows you to do the things you want to do.

06/23/2017

Do you have and meet a budget?

06/23/2017

One percentage point makes a big difference

Monthly principal and interest payments on a 30-year fixed-rate mortgage for $200,000

Interest rate Monthly principal and interest
4% $954.83
5% $1,073.64

The higher your credit score, the lower the interest rate on your mortgage. See how else your credit score affects your mortgage rate.