5 Reasons To Get Prequalified Before Shopping For A Home

In my 19 years originating home loans in the state of Alaska, I’ve met a lot of people with a lot of different home shopping situations. Most people know that getting prequalified for the mortgage is an important step in the process, but really don’t know when they should start. Should they find the home they want and then come to me to get the details on the down payment and monthly payments? Should they get prequalified well in advance of house hunting? If they have a house to sell or rent, does that change when prequalifying should happen?

In my experience the answer is always get prequalified as soon as you think you might be moving into another home. Here are some reasons why…

1. You need the knowledge of monthly payments before you shop. Finding the perfect home and then finding out the payments are much higher than you can comfortably afford or qualify for isn’t a pleasant way to go through this process. You’re not going to want to be house poor, so confirm the range you can shop in before you tease yourself with properties that have payments beyond your comfort.

2. Getting prequalified improves your position as a buyer in the marketplace. Sometimes homes are in high demand with multiple offers – buyers with their prequalification letter from a trusted local lender in hand have a leg up on buyers who do not. Many sellers also do not want to show their homes to buyers who are not prequalified – be the person who is ready to go and improve your power in the market.

3. Sometimes issues arise on a credit report that need fixing before the best loan terms can be achieved. With enough lead time, credit repair services can be used when needed, or paying down debts can improve credit scores and loan terms. These issues that can make or break your ability to purchase or get you a better interest rate, and it’s much nicer to have time to pave the way to home ownership in the best way possible instead of under duress when you’ve already found your dream home.

4. Down payment requirements are important to know up front. You’re going to want to have enough to close on the house and maintain a buffer for repairs or emergencies. Knowing what you need ahead of time gives you time to plan and prepare to buy when you are actually ready financially. The source of funds can also require some planning ahead to avoid delays in closing a home – it’s good to know these things up front.

5. The most important reason to get prequalified? Knowing that your finances are in shape when you are out shopping in the marketplace. Shopping for a home with the confidence that you can afford what you’re doing is such a better way to go through this experience, so why would you want to do it any other way?

Please give me a call if I can help you with this next big step in your life. There’s no charge to get prequalified, it will make your experience so much better, and I would love an opportunity to help you make this part of the process as pleasant as possible.

Click here to prequalify. Its free.

Free genealogy class helps people learn family history

Bingo games for veterans

Veterans Northeast Outreach Center in Haverhill welcomes all veterans for bingo games.

The games are held on the last Wednesday of each month at 6 pm atVeterans Northeast Outreach Center,10 Reed St. The next game is Feb. 22.

The games are sponsored by VFW Ladies Auxiliary and outreach centerand are open to veterans only.

Game cards are free and small prizes of gift cards are awarded for each game. If you are not enrolled with Veterans Northeast Outreach, please bring identification of veteran status. More information is available by calling 978-372-3626.

Financial education classes offered

Sue Katz of American Consumer Credit Counseling will conduct a free Financial Education Classon the third Wednesday of every month at 5 pm at Veterans Northeast Outreach Center, 10 Reed St.

Each class lasts about twohours. Topics include budgeting, credit repair, building credit, tax information and investing.This is a group class with individual counseling afterwards. Classes are open to the public as well as to veterans. Katz has specific experience with veteran issues. Classes are ongoing and available on a drop-in basis. More information is available by calling 978-372-3626.

Boys amp; Girls Club to hold annual celebration

The Boys amp; Girls Club of Greater Haverhill will hold its annual celebration on March 4 at DiBurros function hall in Ward Hill.

Cocktail hour is at 6 pm, followed by dinner and a silent and live auction.

Special guest is New England Patriots Super Bowl Champion and 96.9 radio host Jermaine Wiggins.

Can’t be there on March 4 but want to take part in the action? Register and bid remotely on silent auction items via qtego.net/qlink/bgcofgreaterhaverhill2017annualcelebration. Auction items include concert tickets to Billy Joel at Fenway Park and Coldplay at Gillette Stadium, New England Patriots Tickets (four), Boston Celtics tickets (four), Renaissance Golf Club foursome package with dinner and overnight accommodations, and other items. All proceeds support the Boys amp; Girls Club of Greater Haverhill.

Tickets are $110 per person.

One Call to City Hall

Residents looking to connect with a particular department in City Hall, or who would like to request snow plowing, sanding, pothole repairs or any other city service can now dial 311 and a trained representative will respond.

In the event of an emergency requiring the response of police, firefighters or an ambulance, callers are advised to dial 911.

The citys new 311 service is available weekdays from 8 am to 4 pm, during normal City Hall business hours, however, in certain situations those hours could be extended by the mayor.

Callers from outside the city need to use the area code and regular numbers — 978-358-1311.

How to improving your credit rating: Credit Repair Companies

If you’ve been experiencing some financial challenges, chances are that your credit record (or credit history) has taken a bit of a battering. If you’ve been been unsuccessfully applying for lines of credit from finance providers, or if you’ve been having difficulty in meeting all of your bill payments, then this will be all form part of your credit history – and most likely will have an impact on your ability to obtain finance or credit in the future.

Getting the facts is important. If you’re worried about your credit record or history, there are a number of ways in which you can obtain a report that shows what will be revealed to any credit providers that you might be applying to in the future.

There’s a range of steps that you can take to improve your credit record and make you a more attractive proposition to potential lenders or credit providers.

One of the services that is regularly advertised or promoted is that of Credit Repair Companies. Credit Repair Companies will charge you money up-front and offer to remove negative information from your credit record -negative information such as bankruptcy or judgment.

However the benefits of using a Credit Repair Company may be extremely limited -if what is recorded in your credit history is accurate, then it can’t be removed. It stays on there. The only way to improve your credit record or credit history is to build a solid track record of consistently paying your debts and meeting your obligations -that takes time and effort. Past indiscretions lose their negative impact on your credit history as they fade with time and you consistently demonstrate your financial stability and credit worthiness.

While it varies a little depending on where you live, generally you will find that negative credit information will remain on your credit history for at least seven years, a bankruptcy will remain for at least ten years, and criminal convictions will permanently remain on your credit record.

If you are considering the services of a Credit Repair Company, here are some warning signs that will help you to find legitimate credit repair services. If a Credit Repair Company is asking for any of the following, then they are best avoided:

  • An upfront payment is required
  • Your legal rights are not disclosed -most jurisdictions will have detailed regulations about the disclosures required
  • You are discouraged from directly contacting the credit bureau
  • The steps that they are advising seem to be dishonest -for example, you can be charged with fraud if you try to create a new credit identity, or if you give false information when applying for credit.

Credit Repair Companies can have a positive impact in helping you to remove incorrect information that is recorded on your credit history, but you don’t actually need to pay anyone for that service – it’s something that you can do yourself. Generally you’ll find that if you’ve been denied credit due to concerns over your credit history, you’re entitled to request a copy of your credit record. If you identify any errors or outdated items, then you can raise these concerns with the credit bureau – you may need to support your claims with documentation.

The most important step that you can take in seeking to improve your credit history or credit record is to get back on track with paying your debts and financial obligations. Consistently managing your finances soundly is the first step in rebuilding your reputation as someone who is credit-worthy.

A Des Moines’ family’s dream home has turned into a legal nightmare

Towers, meanwhile,has had a litany of financial difficulty and is facing allegations of investmentfraud, Polk County court records show.

A breach of contract and fraud case pending in Polk County alleges that Towers, as owner of MTM investments and another company called Knight Watch Intelligence Agency operating from the same Merle Hay Road address, entered into contracts with a friend from Nevada, Denise Wayne, in 2015.

Under the contracts signed by both women, Wayne loaned MTM and Knight Watch money to invest in real estate and process diamonds. Wayne said she wired at least $231,000 to Towers and received none of her loan or the investment returns promisedunder the contracts.

Interviewed from Las Vegas, Wayne saidshe taught Towers in an online credit-repair course and the two became friends. After she received a settlement from an injury, she said, Towers persuaded her to wire investment money for real estate and took some of the money to buy diamonds instead.

Court records show 51-year-old Towers has been sued severaltimes in civil court for failing to payothers.

She and her husbandalso filed bankruptcy in 2011 and, in November 2016, were subjects of an IRS lien filed against them for nonpayment of $58,200 in taxes, Polk County records show.

The two have bought and sold dozens of properties around Des Moines under different company names and rounded up investment income for others in real estate. Some properties were transferred to Towers fathers church before being transferred into Karen and Steve Towers names, according to the Polk County Treasurers Office.

The Towerses also listed having a church of their own, Living Truth Church, at the same Merle Hay Road address and suite where they housed businesses.

House flipper: Willing to deal

Thomas Dean, a former pharmacist turned real estate developer, told Watchdog he has used Towers on deals to find buyers for homes he renovates and sells.

He said he doesnt try to meet those to whom he sells homes. Instead, he tries to assure they come to him with at least $10,000 to assure they can afford the houses he sells on contract.

As far as Im concerned, if they come in with the money, thats qualified for me.

Dean said hes never found Towers to be dishonest to him or to customers. But, he said, he has no idea what she might have told the couple or how they interpreted what she said.

I have never even talked to these buyers. Im a mortgage broker, he said. The middle man usually takes care of these things. What Karen did or did not say I dont know. My contract says what it says. They knew what they were signing.

He said the money the Hardings gave Towers for the down payment, monthly payments and taxes was given to him. He said he paid Towers a commission.

The monthly payments made up front, he said, take the Hardings to June and are as safe as a bird in a nest, Dean said. The taxes they gave him will be paid in March and September, he said.

The second water heater installed at the house was a 40-gallon unit used in many homes and is in great shape, he said.

Dean said he might be able to work out a deal if the Hardings determine they cannot afford the house. If a new buyer is found quickly, he said, there may be something he could do regarding the down payment they put toward buying it.

To me, thats the best way to find a solution over the next three months we have together, Dean said.

The Hardings have tried to get legal guidance and have been referred to Iowas Volunteer Lawyer Project.

Last week, Dean sent a colleague to the Hardings house to see if they wanted to put the house back up for sale.

But until the Hardings have legal representation, they said, they are not going to make any new deals.

Lee Roods Readers Watchdog column helps Iowans get answers and accountability from public officials, the justice system, businesses and nonprofits. Contact her atlrood@dmreg.com, 515-284-8549, on Twitter@leeroodor atFacebook.com/readerswatchdog.

Credit Guide Publishes New Reviews Of Lexington Law And Sky Blue Credit Repair Services

Having a good credit score can make a huge difference to people’s lives, enabling them to get better interest rates on loans and credit cards, as well as allowing them to borrow greater amounts with longer term repayment plans. Credit Guide is an online resource center offering independent consultation to readers, describing how they can check, repair and improve their credit score in a variety of ways. The site also regularly publishes reviews of credit repair services, and has started 2017 with a review of two of the best: Lexington Law and Sky Blue.

The Lexington Law Credit Repair review opens with an introduction to the company and their background, followed by an assessment of when professional intervention might be needed. It then covers the cost of the packages, together with any available discounts, before concluding with the advantages, an average timeline for credit repair, and next steps.

The Sky Blue Credit Repair review follows a similar format, highlighting the unique advantages of the company, including its A+ BBB rating and 90 day refund policy, while also offering insight into their costs and timeline. Both reviews are designed to be directly compared and contrasted, so individuals can make their own decisions on which provider will best meet their needs.

A spokesperson for Credit Guide explained, ,,Credit Guide is pleased to be able to have updated with two new credit repair company reviews. These reviews will help more people than ever find the kind of high quality credit repair services they need without burdening themselves with punishing costs that could do even more damage in the long term. These are reliable, affordable and authenticated credit repair companies, and we hope more people can repair their credit scores as a result of reading these new pieces.”

About Credit Guide: Credit Guide is an online resource center committed to helping people get the information they need to improve, maintain or repair their credit score. The site is regularly updated by a committed team of writers and researchers, who offer honest, insightful and actionable reviews of credit repair services. The site also has comprehensive information on how to check credit scores, dispute credit rating errors and more.

Contact Info:
Name: Andy White
Email: contact@creditguide.io
Organization: CreditGuide.io

Source URL: http://marketersmedia.com/credit-guide-publishes-new-reviews-of-lexington-law-and-sky-blue-credit-repair-services/169165

For more information, please visit https://creditguide.io/

Source: MarketersMedia

Release ID: 169165

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02/20: Institute of Electrical & Electronic Engineers, The Society for Technical Communication and more

SCORE Orlando-Small Business Mentors:Building Your Financial Plan, 6-9 pm Feb. 22, $35; Rollins – Starting a Nonprofit, 6-9 pm Feb. 23, $45; You, Your Business Idea, How SCORE Can Help, 9:30 am-12:30 pm Feb. 25, free; Effectively Managing Your Business with QuickBooks, 6-9 pm Feb. 28, $35; all classes at Orlando Fashion Square Mall, 3201 E. Colonial Drive. Details: scoreorlando.org or 407-420-4843.

Florida SBDC at Seminole State College of Florida: Business Startup Basics. Where do I Start?, 10 am-noon March 1, free; Credit Repair – Myth and Reality, 10 am-noon March 15, free; Business Plans, 10 am-noon March 21, free; all classes at Small Business Incubation Center, 1445 Dolgner Place, Sanford. Details and registration: 407-321-3495 or seminoleSBDC.org.

Small-business seminars: Business Startup 101 which covers the fundamentals of starting a small business in Seminole County, 6-8 pm March 28, west branch of the Seminole County Public Library, 245 N. Hunt Club Blvd., Longwood; 10-11:30 am April 12, central branch of the Seminole County Public Library, 215 N. Oxford Road, Casselberry; Business Plans 101 which covers the essentials for creating a blueprint for new business success, 6-7:30 pm Feb. 22, north branch of the Seminole County Public Library, 150 N. Palmetto Ave., Sanford; 6-7:30 pm April 4, west branch of the Seminole County Public Library, 245 N. Hunt Club Blvd., Longwood; 10-11:30 am April 19, central branch of the Seminole County Public Library, 215 N. Oxford Road, Casselberry. Presented by the Seminole County Public Library System, in a joint venture with the Florida Small Business Development Center at Seminole State College of Florida. Cost: free. Details and registration: 407-321-3495.


Institute of Electrical amp; Electronic Engineers, Orlando Section Executive meeting and Computer Society presentation, 6-8 pm Feb. 21, University of Central Florida, HEC building, Room 101, Orlando. Cost: free. Parking is $3. Details: Ravi Rajaravivarma, ravi.shrees@gmail.com, 860-967-4845 or ieee.org/orlando.

Association for the Advancement of Cost Engineering International, Orlando-based North Florida section, AACE International Program Update, with speaker Charity Quick, executive director, AACE International, 6:30 pm March 9, Canaveral Council of Technical Societies, Cape Royal Office Center, 1980 N. Atlantic Ave., Suite 401, Cocoa Beach. Meeting is free, optional dinners $10 with advance reservation by March 8. Details and registration: nflaace.org or e-mail meetings@nflaace.org.


Florida State Massage Therapy Association, Central Florida Chapter, 4-7:45 pm Feb. 20, Marks Street Senior Recreation Center, 99 E. Marks St., Orlando. Brian Boyd will present Laws and Rules for Florida LMTs (a FL required class for LMTs). Doors open at 4 pm for networking; announcements are at 5:30 pm; presentation begins at 5:45 pm Cost: Free to all FSMTA members, $20 for nonmembers. Details: fsmta-cfl.com.


The Society for Technical Communication, Orlando Central Florida Chapter, 6:30 pm networking, 7 pm program Feb. 23, IHOP Restaurant, 11571 University Blvd., Orlando. Paul Dombrowski will discuss ethics and the Challenger disaster. New member orientation at 6:15 pm There is no charge to attend this meeting. Register at stcorlando.eventbrite.com. Details: WC Wiese at 407-356-4792.


50PlusFYI Resource Network, Grow Your Business networking meeting for agencies and businesses serving older adults of Central Florida, 11 am-1:30 pm, third Friday of the month, Oakmonte Village, 1001 Royal Gardens Circle, Lake Mary. Details: 407-265-0534 or ReachUs@50PlusFYI.org.

Orlando Network Exchange, 11:30 am-1 pm Thursdays, Mitchells Fish Market Restaurant (Winter Park Village), 460 N. Orlando Ave., Suite 122, Winter Park. $15 meal charge. Details: orlandonetworkexchange.net.

Central Florida Business Forum, Business to Business Referral Network, 7:30 to 9 am Wednesdays, cfbf.net.

Dr. Phillips Connections, 11:30 am-1 pm every 1st and 3rd Wednesdays of the month; OCharleys, 8081 Turkey Lake Road. Cost: free. Details: 407-758-3809.

Restaurant Sales Vendor Professionals, bi-monthly meetings 11:30 am Wednesdays, rsvp@cfl.rr.com or 407-403-4455 for dates and locations.

Connections Groups, Motivational Mondays Leads Group, 6-7:30 pm first Monday of the month, Altamonte Springs Hilton Hotel, 350 Northlake Blvd., Altamonte Springs; free; 321-229-4413 or ts@connectionsgroups.com.

Orlando Business Referral Network, 7 am Thursdays, Panera Bread, Sand Lake Road, 1117 Florida Mall Ave., Orlando; 407-758-4382 or brnorlando.org.

Dating Someone with Bad Credit? Here’s How to Protect Your Score

Building a strong credit score can take years of paying your bills on time, spending wisely and avoiding too much debt. If you’ve spent a lot of time and effort building a great credit score, you may be very protective of your credit.

But if you’re in a relationship with someone who has poor credit and you’re at a point that you’re moving in together or otherwise sharing expenses, your credit score could be in jeopardy. Not because your Valentine’s bad credit will directly impact yours:Credit reports don’t get merged, even afteryou’re married. But a person’s poor money habits can have an indirect effect of your financial standing and any joint accounts you decide to sign up for will appear on your credit file.

In other words, if your beloved has bad credit, you’ll want to take stepsto avoid damaging yourown. Here’s howyou can safeguard your credit score from your partner’s bad credit.

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1. Consider Keeping Your Funds Separate …

There are a number of reasons your partner could have poor credit, including unexpected financial hardship or identity theft.

“Someone with a low credit score could still be responsible with money and pay all the bills on time, but may just have some unexpected medical debt,” says Matt Gulbransen, owner of Callahan Financial Planning Corporation. But your partner could also have poor money-management skills. And, if that’s the reason for their credit score woes, you may want to keep your bank accounts separate for awhile. You can still split expenses while restricting access to your personal bank account.

2. … the Same Goes for Other Accounts

You can apply the same strategy to other accounts, including credit cards, loans and any accounts with monthly payments. Missed payments on shared accounts will inflict mutual damage to both of your credit scores. Your partner’s poor credit could be due to a history of late payments or accounts in collections, so think twice before sharing. (And, if you do decide to share, keep a close eye on those accounts.)

“I suggest you don’t join credit cards until you build the credit of the other party,” says Gulbransen.

It’s also risky to co-sign a loan, which can have the same impact on your credit as sharing a joint account.

3. Avoid Applying for Credit Together

If you want to apply for a credit card or loan, you may be better off doing so independently. If you apply together, your partner’s poor credit could result in higher interest rates, poor loan terms or even an outright rejection. You should use your own good credit to negotiate the best terms.

“Banks remain wary of making loans to borrowers with tarnished scores,” says Gulbransen. “And low scores can deny one access to a mortgage.”

Even adding your partner as an authorized user on your credit cards can be risky if your partner runs up your credit card balances. That’s because the amount of debt you owe can directly impact your credit scores. (Plus, the primary accountholder is the one responsible for actually paying the bills.)

4. Work on a Credit Improvement Plan

Poor credit doesn’t have to doom a relationship. It can be challenging, butyou can help your partner by understanding their situation and working together to create a credit improvement plan.

If you’re both committed to the relationship, you may want to merge finances and share financial decisions in the future. The best way forward is to openly discuss what led to your partner’s poor credit, and come up with a plan to improve it together.

The details of the plan will depend on the factors contributing to your partner’s poor credit score. Improving their credit scorefor your partner could require monitoring his or hercredit report, building a solid history of timely payments and paying down debt. There are also a number of tools, such as secured credit cards that are ideal for people who have struggled with managing their credit. And, if your beloved discovers their credit is being affected by a boatload of errors, credit repair could be an option.

Bottomline: By working to improve your partner’s credit, you can both move toward a greater financial future together.

Image: g-stockstudio

The Right Financial Decisions Can Improve Credit Scores

To our readers: Today GoodCall examines credit. First, Terri Williams outlines the right financial decisions to make to improve your credit score. In our next post, Courtney Price Davis takes a look at whether moving affects your credit score.

Millennials typically experience a lot of firsts before the age of 30. From their first post-graduate jobs to the first time they’re solely responsible for rent or mortgage payments, millennials wade through a lot of major financial decisions. Like every generation, sometimes they may not make good choices.

A recent survey revealed that most millennials made at least one major financial mistake before the age of 30. These blunders include maxing out credit cards, missing payments, defaulting on loans, and/or having accounts sent to collections. These financial decisions can affect credit scores, which in turn, can affect just about everything from the ability to purchase a car or house to the interest rate charged for products and services.

Don’t despair. Here are steps that can be taken to repair a bad credit score:

Check/verify your credit score

The very first step before making any financial decisions is to ensure that your credit score is accurate. You may have an excellent score with one reporting agency and a poor score with another agency.

Kevin Gallegos, vice president of Phoenix operations for Freedom Financial Network, tells GoodCall, “A credit score actually involves three scores from the three major credit reporting agencies: Equifax, Experian, and TransUnion.” Every year, each agency is required to provide consumers with a free credit report, Gallegos says. Reports can be accessed at www.annualcreditreport.com or by calling 877-322-8228.

Your score may be different at each agency because of different – potentially wrong information. Carefully review each report, looking for inconsistencies in your address, balances, and even creditor. If you locate an error, Gallegos recommends following the specific instructions listed on each bureau’s website as the best and the quickest way to resolve these issues. “Under terms of the Fair Credit Reporting Act, the credit bureaus must investigate any disputed items and remove them from the credit report if they cannot be verified,” Gallegos says.

Understand credit percentage utilization

This is a central part of your credit score. “If you have a credit card with a limit of $10,000, and you owe $3,500 on it, that’s 35 percent utilization” Gallegos explains. However, if you go over 35 percent, he says that high amount could negatively impact your score. “Over 50 percent will have a definite negative impact on a credit score, and a maxed-out card will very negatively impact the score,” Gallegos says. Bottom line: If you pay down your debt so it’s below 35 percent, it will help to improve your score.

However, there’s another tactic that you can use. Kelley Long, CPA/PFS and member of the AICPA’s Consumer Financial Advocates Group, agrees that millennials should pay down cards with high limits. “But also consider asking for a limit increase – some lenders will do this without a hard inquiry and the decrease in credit utilization will boost your score,” Long says. Warning: If you’re the type of person who would continue charging and eventually max out the new limit, don’t dig yourself deeper into a debt hole.

So what is this hard inquiry that Long mentioned? It occurs when you apply for credit, or other types of situations in which a company would need to check your credit score to determine if they will allow you to rent a car, purchase a cellphone, etc. However, when you check your own credit score, it’s considered a soft inquiry, and does not negatively impact your score.

Financial decisions: Should you stop using your credit card?

While a maxxed out credit card can negatively impact your credit score, don’t make the mistake of thinking that the solution is to never borrow or use your credit card. Gallegos explains, “Credit agencies rely on past payment history to gauge how borrowers will do in the future, and if you don’t borrow, they have no information to rely on.” However, he recommends that millennials choose one card to use. Also, evaluate the use of your card. For example, a recent survey revealed that some people use credit cards to pay tuition. That’s among the worst financial decisions since it involves not only high credit card interest rates but also 3rd party transaction fees at an average of 2.62 percent.

Pay your bills on time

It sounds like the simplest of financial decisions, but it’s the best way to improve your credit score – or keep your pristine score intact. “Make all payments on time all the time,” Long says. “That’s the number one thing you can do.” You’ll see faster results if you start paying down the bills with the largest interest rates first, since a lot of your money is being eaten up in interest.

Make and stick to a budget

While budgeting isn’t usually listed among ways to improve your credit score, there is a direct link between the two. According to Leonard Wright, CPA/PFS and member of the AICPA’s Consumer Financial Advocates Group, budgeting may not directly impact your score, but if you don’t do it, your score will be affected.

“Always budget: by staying on top of random and unexpected bills through budgeting, you will be less likely to overspend, which results in credit cards near their limit and a lower credit card score,” Wright says. For millennials who need help in this area, Wright recommends such resources as 360finlit.org and feedthepig.org.

Don’t use credit repair companies

Don’t be fooled by those credit repair service ads promising to quickly improve your credit score. Gallegos says these companies dispute items on your credit report – which temporarily improves the score while the lenders are researching the charge. Simply put, this is not among the wisest financial decisions: “There is nothing that a credit repair service can do that consumers can’t do themselves.”

Also, you may end up spending a lot of money without seeing any lasting results. Gallegos explains, “Once a dispute has been filed, the onus is on the credit reporting agency to remove or suspend that account from the consumer’s record until the dispute has been resolved one way or the other.”

Quality Credit Repair: Helping People Reclaim Financial Freedom in 2017

This press release was orginally distributed by SBWire

Philadelphia, PA — (SBWIRE) — 11/22/2016 — As the holiday season quickly approaches, everyone should be reminded about how they should set a strict spending limit and be extra careful about not going over that number. Of course, its easy to splurge on family and close friends during this time of the year, but its important that people dont spend more than they can afford to; otherwise, theyll find that theyre simply burying themselves deeper in debt. Instead, they should practice effective budgeting strategies and healthy spending habits, so they may enter into the new year with a full head of steam in the direction of a more financially sound lifestyle.

If someone is already struggling with bad credit or debilitating debt, the professionals at Quality Credit Repair are available to help them reclaim their financial freedom early on in 2017. During a free consultation, the experts will perform a comprehensive credit review and listen closely to each of their clients to understand the challenges they face because of their poor credit score. They will then help them determine whether or not any of the inquiries are false or erroneous; if so, they will contact credit reporting services and provide them with the necessary documents proving that the information had been recorded incorrectly.

Clients will also be advised about debt settlement, negotiation and consolidation depending on the circumstances. In addition, they will be provided with advice, information and resources on how to rebuilt their credit scores and make intelligent financial decisions on a regular basis in the future. Anyone whos searching, how to restore your credit rating, will certainly be relieved after speaking with a professional at Quality Credit Repair. Instead of feeling helpless and boxed in, people are encouraged to roll into the new year with more freedom, greater confidence about their current financial standing, and a rejuvenated credit score.

Receive a free consultation with the experts at Quality Credit Repair by calling 888-399-3898 or by visiting their website today.

About Quality Credit Repair
Quality Credit Repair works to help clients better their credit score and ensure they receive the most accurate credit reports. Their dedicated and highly trained consultants have over 15 years of experience resolving credit related issues. They will review a clients credit report and highlight areas that are harming the scores. The consultant will also layout changes the individual can make to better their credit. The company helps build credit by recommending the opening of secured accounts with certain, trusted lenders. Their services are available to clients anywhere in the country.

For more information, please visit http://www.qualitycreditrepair.com.

For more information on this press release visit: http://www.sbwire.com/press-releases/quality-credit-repair-helping-people-reclaim-financial-freedom-in-2017-744800.htm