tag:blogger.com,1999:blog-2799207439467848612024-03-08T04:28:24.239-08:00Credit Repair and Consulting AdviseCredit Innovationshttp://www.blogger.com/profile/01716241931739289524noreply@blogger.comBlogger21125tag:blogger.com,1999:blog-279920743946784861.post-73814755080421454842012-08-10T17:03:00.000-07:002012-08-10T17:03:32.752-07:00Credit Repair ServicesWe have now hit elite status. One of the top credit repair companies in the country according to www.top10creditrepair.com and www.top10-houston.com.Credit Innovationshttp://www.blogger.com/profile/01716241931739289524noreply@blogger.com2tag:blogger.com,1999:blog-279920743946784861.post-42029166230855289672012-05-24T14:02:00.002-07:002012-05-24T14:02:28.638-07:00Credit RepairNew lending guidelines for FHA Home buyers. Visit Credit Innovations today for further info. We are the leaders in credit repair. www.cicreditrepair.comCredit Innovationshttp://www.blogger.com/profile/01716241931739289524noreply@blogger.com0tag:blogger.com,1999:blog-279920743946784861.post-88769384697710724532012-01-18T04:38:00.000-08:002012-01-18T04:38:05.042-08:00Credit Repair Tips<span class="entry-title">What factors impact your credit score the most?</span><br />
When you think “credit repair”, you are probably thinking about way that you can raise your credit score so that you can qualify for a loan you want to apply for. In order to understand how to raise your credit score and repair your credit, it is important to understand the factors that go into calculating your credit score. The more you understand the factors that go into calculating your credit score, the easier it is to develop a sensible approach to credit repair. Each credit score model varies but we have a general idea of how FICO and other scoring models work.<br />
<strong>Payment History</strong> – Around 35% of your total credit worthiness is measured by your payment history. This indicates that your past payment history seems to be the strongest indicator of your future ability and willingness to make timely payments to a creditor. The best credit repair companies typically spend most of their efforts helping you improve this part of the credit score equation. They can’t go back in time and help you pay your bills on time, but they can work with credit bureaus and creditors to remove misleading information and negative items that don’t accurately reflect your credit worthiness.<br />
<strong>Credit Utilization</strong> – Credit utilization is measured as a percentage of total revolving debt divided by your total credit lines available. Credit score models weight your existing debt utilization at around 30% of your total score. If you are close to your total credit limit every month that might indicate to a creditor that you are living beyond your means and don’t manage your finances very well. A low credit utilization shows a creditor that you can easily take on more debt and manage it wisely. While some credit repair services may also offer debt consolidation or debt settlement services, credit repair typically happens after the damage has been done and there aren’t any outstanding payment issues.<br />
<strong>Credit Length</strong> – How long you have had credit extended to you makes up about 15% of your credit score. Typically this is measured by the average length of time your various tradelines have been extended to you. That is why closing a credit card account or other tradeline can negatively affect your credit score. This factor in your credit score is a waiting game that may negatively affect the credit score of younger adults or those who use cash for most transactions.<br />
<strong>New Credit</strong> – Ever wonder why applying for new credit can hurt your credit score? It is because applying for new credit and adding additional credit can affect up to 10% of your credit score weighting. The negative impact is more short-term than your payment history or credit utilization, but you might want to think twice before applying for a new credit card if you are thinking about refinancing soon.<br />
<strong>Credit Mix</strong> – 10% of your credit score is also affect by what kind of mix of different credit you are using. Creditors are looking for someone with a balanced credit life. Having revolving credit lines and installment loans may indicate that you are more experienced using credit are have a lower risk of default for the creditor.<br />
The way that your credit score is calculated may be vary depending on the source (FICO, TransRisk, VantageScore) and even these different models change their proprietary formulas from time to time but the above guidelines will continue to hold true as you try to improve your credit score.Credit Innovationshttp://www.blogger.com/profile/01716241931739289524noreply@blogger.com0tag:blogger.com,1999:blog-279920743946784861.post-31646460907695632052012-01-15T14:17:00.000-08:002012-01-15T14:17:13.543-08:00Credit InnovationsOkay folks. Got to leave your credit card balances at 20% and below of your credit limit. Want your score to go up? Then you have to do it!!! You can't leave high balances. Credit Innovationshttp://www.blogger.com/profile/01716241931739289524noreply@blogger.com0tag:blogger.com,1999:blog-279920743946784861.post-10296433184776056842012-01-09T10:47:00.001-08:002012-01-09T10:47:58.859-08:00Top Credit Repair Companies.http://www.funnewjersey.com/upload_user/CREDIT_REPAIR_SERVICES/COMPLETE_LIST_OF_CREDIT_REPAIR_COMPANIES_ONLINE.HTM<br />
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I see us in that list. Not bad. Credit Innovationshttp://www.blogger.com/profile/01716241931739289524noreply@blogger.com0tag:blogger.com,1999:blog-279920743946784861.post-40081955622489083132012-01-05T15:54:00.000-08:002012-01-05T15:54:07.232-08:00What You don't Have to Worry About Affecting Your Credit ScoreThere are a lot of factors that go into making up your credit score, from how often you pay your bills on time to the age of your various accounts. When you’re trying to clean up your credit report, knowing which areas to focus on can make the <a href="http://www.cicreditrepair.com/" target="_blank">credit repair</a> process much easier and go by quicker than you may have initially thought.<br />
This article will focus on the other side of the coin; the stuff you DON’T have to worry about. Because while knowing what you do have to worry about taking care of is important, knowing what doesn’t matter as much to credit repair can free up any additional worries you may have. With that said, here are 5 things you don’t have to worry about ever affecting your credit score.<br />
<ul><li>Your income. You’ll typically find personal information like past addresses and employment info listed in your credit report, but one area of your finances that you don’t have to worry about showing up is your monthly income, both past and present. Creditors and lenders are more interested in what you do with money than how much of it you have.</li>
</ul><ul><li>Your rent. While your credit card and car payments will routinely show up on your credit report, you won’t have to worry about your past rental history coming back to haunt you. Unless you consistently are late on your monthly rent payments and your landlords are trying to evict you, this is another area you don’t need worry about.</li>
</ul><ul><li>Account overdrafts. If your bank account is ever in the red for whatever reason, you can rest a little easier knowing it won’t show up in your credit history. While overdrafts are generally something you want to avoid anyway (those fees are a real pain), your bank won’t typically take the time to beat you while you’re down and report the overdraft to the credit bureaus.</li>
</ul><ul><li>Your utilities. Just like your past rental history, you won’t have to worry about utility bills showing up on your credit report, either. Anything from electric and cell phone bills to insurance accounts generally stays off your report unless they fall into collections.</li>
</ul><ul><li>Any type of credit counseling or <a href="http://www.cicreditrepair.com/" target="_blank">credit repair services</a>. Some people are afraid to seek any type of credit counseling or credit repair service because they’re afraid it might show up on their credit reports. You can rest easy knowing that no one reports your use of a credit counseling service to the credit bureaus; you’re allowed a cheat sheet on this exam.</li>
</ul>Credit Innovationshttp://www.blogger.com/profile/01716241931739289524noreply@blogger.com0tag:blogger.com,1999:blog-279920743946784861.post-59834923082074334972011-09-24T17:05:00.000-07:002011-09-24T17:05:33.893-07:00The Debt-Free Movement and Credit RepairOn August 4, 2011, the national debt was reportedly soaring at <a href="http://www.treasurydirect.gov/NP/BPDLogin?application=np">$14.34 trillion dollars</a>. Fortunately, U.S. consumers are not following suit. Despite the government’s declining financial status, households across the country are taking a closer look at their own creditworthiness and, where applicable, their <a href="http://www.cicreditrepair.com/">credit repair</a> as well. As of 2011, the average credit score rose for the fourth consecutive year, totaling just under 700 points. Not only does this trend promise a brighter future for individuals, it could help jump-start the economy as well.Credit Innovationshttp://www.blogger.com/profile/01716241931739289524noreply@blogger.com0tag:blogger.com,1999:blog-279920743946784861.post-69283609816933827332011-09-19T09:12:00.001-07:002011-09-19T09:12:21.879-07:00#1 Credit Repair Company.http://www.report-online-scams.com/credit-repair-scams.phpCredit Innovationshttp://www.blogger.com/profile/01716241931739289524noreply@blogger.com0tag:blogger.com,1999:blog-279920743946784861.post-28458095522948972432011-09-12T11:09:00.001-07:002011-09-12T11:09:25.543-07:00Credit Reports<h3 class="post-title"> Three Credit Bureaus Means Repairing Three Credit Reports </h3>How many credit reports do you have? It would make sense to most of us to only have one. Right? Somewhere in the credit industry somebody came up with the great idea to have more than one credit report. Why?<br />
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As it has worked out over the years there has become three major credit bureaus and each one of them keep records on consumer credit. When a consumer inquires about credit at a bank, (that is they submitted an application to get a loan) the bank will then run a credit check. This is how the credit bureaus make their money. The information sent from the credit bureau to the bank called a credit report or credit file is paid for by the bank or financial institution. The credit check/credit report fees are many times then passed down and paid for by you, the consumer.<br />
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Anyway, three Credit Bureaus means three different yet similar credit reports to keep track of and repair. That means that you may have accounts on one credit report that is not on the other two.<br />
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I highly recommend obtaining all three credit reports if you are going to do credit repair on your credit.Credit Innovationshttp://www.blogger.com/profile/01716241931739289524noreply@blogger.com0tag:blogger.com,1999:blog-279920743946784861.post-56505545272729334092011-09-02T07:31:00.001-07:002011-09-02T07:31:33.231-07:00Credit Repair TipsAt Credit Innovations, we always try to hammer home one major point to our <a href="http://www.mycreditgroup.com/services/credit-repair/">credit repair services</a> clients, and that’s how important it is to regularly check your credit reports; not only for possible account errors, but also to help fight against identity theft.<br />
But what is it exactly you should be looking for on your report when you check it? What are the signs that point out something may be amiss, and how can you root them out before they become a major issue? Well, look no further than the list below…<br />
<strong>How to spot inaccurate account information</strong><br />
One of the first things our credit coaches will check on a consumer’s credit report is name, address, and social security variations (if any) listed in the personal information section. While having the wrong address on your report won’t trip up your credit score, having the wrong name or SS number can really cause a problem.<br />
If you see your name misspelled on your report, or a wrong SS number – even if they’re only off by a letter or number – make sure you bring it to the credit bureau’s attention as soon as you can.<br />
As to the actual accounts listed in your report, you’ll want to make sure the account history matches your own records, that all of your open credit accounts are listed as open (having them reporting closed can affect your score), and that any negative information that may have shown up in your credit history is being reported within the Federal and State statute of limitations. If they’re reporting past the 7 year timeframe, they can be disputed.<br />
<strong>Rooting out identity theft</strong><br />
Always make sure to check your credit report for accounts that aren’t your own. When you pull a fresh copy of your report, check each of your credit accounts thoroughly to make sure they’re not only reporting accurately, but that they’re yours to begin with. Any accounts that don’t look familiar at all should be disputed with the credit bureaus.<br />
Another good way to nip any attempt at identity theft in the bud is to check over your recent credit inquiries. If you see inquiries from companies that you didn’t authorize to check your credit report, or that you never applied with, it may be time to consider putting a hold on any credit applications and inquiries unless expressly authorized by you and only you. No sense in having to go through <a href="http://www.mycreditgroup.com/services/debt-settlement/">debt settlement</a> for an account you never knew you had to begin with.Credit Innovationshttp://www.blogger.com/profile/01716241931739289524noreply@blogger.com1tag:blogger.com,1999:blog-279920743946784861.post-23113594560096707962011-08-31T17:44:00.000-07:002011-08-31T17:44:10.387-07:00Credit Repair<b>Credit Repair for Everyone</b><br />
Everyone wants their credit score to be as high as possible. Not everyone is a candidate for credit repair, but most people can utilize these score raising techniques to one degree or another. For some it is a matter of recovering after a period of financial difficulty, others may only need a little tune-up. Here are the best ways to <a href="http://www.skybluecredit.com/blog/credit-repair-powerhouse-score-booster">improve your credit scores</a>, and keep them up!<br />
<b>Positive and Negative Issues</b><br />
There are two areas that must be addressed as part of any credit repair effort, the positive and the negative. Without positive credit your scores will go nowhere regardless of any progress you make removing erroneous derogatory information. And unless you clean up the negative errors that are weighing down your scores you will be handicapped without the presence of positive credit on your report.<br />
<b>Open and Active Accounts</b><br />
Building positive data on your report for credit repair purposes does not have to be difficult. Secured credit cards are the perfect way to develop positive history even if your current scores make it impossible for you to qualify for regular unsecured accounts. If your scores are not too bad you may be able to obtain regular cards. Either way, make sure that you have open active accounts showing on your report.<br />
<b>Managing Open Accounts</b><br />
Before we discuss credit repair techniques for dealing with the negative issues on your report it is important to touch on the ways to manage your open active accounts. It is common sense that you must make your payments on time; a late payment can be a terrible setback. But if you really want the best scores it is critical that you maintain your balances properly.<br />
<b>Using Your Balances Properly</b><br />
High revolving balances will hurt your credit scores. Conversely, low balances will help. The extent to which this factor can impact your results is very dramatic. There are certain percentage breakpoints that you can focus on: 20, 40, 60, and 80 percent limit usage. If you run a balance up over 80 percent your scores could fall by 100 points. The best credit repair results will come from bringing your balances under the 20 percent mark.<br />
<b>Finding the Errors Can Be Hard</b><br />
The negative information on your report presents a different set of challenges. Most people these days are aware of the prevalence of reporting errors. What most people are not cognizant of is how subtle some of these issues can be. It is not always easy to find errors. It is not just a matter of looking for late payments you do not recognize. Many errors are hard-to-spot legal violations by collectors and other participants in the system.Credit Innovationshttp://www.blogger.com/profile/01716241931739289524noreply@blogger.com0tag:blogger.com,1999:blog-279920743946784861.post-74815369386177042382011-08-22T09:15:00.000-07:002011-08-22T09:15:02.195-07:00Credit card tips. Help your credit out.Leave your balances at 30% and below of your credit limit. Simple as that. You want your score to go up every month? Then, do it. Any open balances higher than that will drop your credit score. <br />
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Have a great day folks!!<br />
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www.cicreditrepair.com <br />
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Credit Innovationshttp://www.blogger.com/profile/01716241931739289524noreply@blogger.com0tag:blogger.com,1999:blog-279920743946784861.post-22131935686012440602011-08-21T13:21:00.001-07:002011-08-21T13:21:47.305-07:00Credit InnovationsI hope everyone is having a great weekend!! It's back to school time. <br />
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<a href="http://www.cicreditrepair.com/">www.cicreditrepair.com</a><br />
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Credit Innovationshttp://www.blogger.com/profile/01716241931739289524noreply@blogger.com0tag:blogger.com,1999:blog-279920743946784861.post-45394796767827521652011-08-16T10:34:00.001-07:002011-08-16T10:34:58.260-07:00Everyone is approved!!!<a href="http://www.usgtrack.info/click.track?CID=136876&AFID=186150&ADID=378375&SID=" id="ctl00_ContentPlaceHolder1_gvCreatives_ctl02_lnkTrackingLink" style="color: blue; font-size: 7pt; text-decoration: underline;" target="_blank">http://www.usgtrack.info/click.track?CID=136876&AFID=186150&ADID=378375&SID=</a><br />
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Click the above link. Everyone is approved!!! Start rebuilding your credit now!!<br />
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Credit Innovationshttp://www.blogger.com/profile/01716241931739289524noreply@blogger.com0tag:blogger.com,1999:blog-279920743946784861.post-41644503079323159502011-08-13T07:28:00.001-07:002011-08-13T07:28:26.872-07:00Helpful credit tips.<div class="mbl notesBlogText clearfix"><div><strong>Be Punctual</strong> - Pay your bills on time each month. Late payments, Collection, and bankruptcies have the greatest negative effect on your credit scores.<br />
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<strong>Check your credit reports regularly and take the necessary steps to remove inaccuracies </strong>- Don't let your credit health suffer due to inaccurate information.<br />
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<strong>Manage your debts</strong> - Keep your credit account balances low.<br />
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<strong>Give yourself time</strong> - Time is one of the most significant factors that can build healthy credit. establish a long history of paying your bills on time using credit responsibly. You may also want to keep the oldest account on your credit report open in order to lengthen your period of active credit use.<br />
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<strong>Avoid excessive inquiries</strong> - A large number of inquires occurred over a short period of time may be interpreted as a sign that you are opening numerous credit account due to financial difficulties or overextending yourself by taking on more debt than you can easily repay. Apply for new credit in moderation.<br />
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www.cicreditrepair.com </div></div>Credit Innovationshttp://www.blogger.com/profile/01716241931739289524noreply@blogger.com0tag:blogger.com,1999:blog-279920743946784861.post-69835019936599191062011-08-10T16:16:00.000-07:002011-08-10T16:16:23.850-07:00Credit InnovationsIf you are in the market to purchase a new home, we can help get you qualified. We partner up with numerous lenders and agents across the country to help our clients mortgage process an easy one. Contact us for further details.<br />
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www.cicreditrepair.comCredit Innovationshttp://www.blogger.com/profile/01716241931739289524noreply@blogger.com0tag:blogger.com,1999:blog-279920743946784861.post-54278742429098887822011-08-09T12:49:00.001-07:002011-08-09T12:49:00.826-07:00Credit Repair, Credit Repair ServicesWe are doing big things here at Credit Innovations. Call us at 888-498-3426 for further information. We are averaging a 100 point credit score increases for our clients!!Credit Innovationshttp://www.blogger.com/profile/01716241931739289524noreply@blogger.com0tag:blogger.com,1999:blog-279920743946784861.post-82137913064977270252011-08-08T08:57:00.000-07:002011-08-08T08:57:16.975-07:00www.cicreditrepair.comGood morning everyone.<br />
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We will be offering discounts during the Month of August. Please contact us via our website for further information.<br />
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Thank you.<br />
Scott.<br />
www.cicreditrepair.com<br />
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Credit Innovationshttp://www.blogger.com/profile/01716241931739289524noreply@blogger.com0tag:blogger.com,1999:blog-279920743946784861.post-78817321639995739182011-08-03T12:33:00.000-07:002011-08-03T12:33:00.584-07:00Good Wednesday to everyone.I am trying my best to make sure I do a daily blog. Yes, I'm 35yrs old and am just now learning this stuff. Anyhow, just a normal day as usual. If you have any questions about our services, feel free to contact us. 888-498-3426. www.cicreditrepair.comCredit Innovationshttp://www.blogger.com/profile/01716241931739289524noreply@blogger.com0tag:blogger.com,1999:blog-279920743946784861.post-28919986274430783352011-08-02T10:38:00.000-07:002011-08-02T10:38:03.286-07:00Rebuilding your credit.There is a myth out there that most of our customers believe in, so let me clear up a few things. We can clean up your credit reports. That is the easy part. The leg work belongs to you. Having open and current trade lines is a HUGE part of building back up your credit score. We can help. We offer a variety of unsecured and secured credit cards to our clients. We even have a new Mastercard that we now offer that offers a $2500-$10,000 credit limit that reports a 0 balance every month. Now that my friends, is how you get things moving!!Credit Innovationshttp://www.blogger.com/profile/01716241931739289524noreply@blogger.com0tag:blogger.com,1999:blog-279920743946784861.post-65748432873735307882011-06-23T19:57:00.000-07:002011-06-23T19:57:50.672-07:00Credit Repair and Consulting<span style="font-family: Times,"Times New Roman",serif;"><span style="font-size: x-small;">Good evening to my blog followers.</span></span><br />
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<span style="font-family: Times,"Times New Roman",serif;"><span style="font-size: x-small;">www.cicreditrepair.com has now started into the blog world. We will be posting client results and advise in the near future. If you have any questions for us, don't hesitate to ask. We are here to help you with your credit file and get you back on the right track to credit freedom!! </span></span>Credit Innovationshttp://www.blogger.com/profile/01716241931739289524noreply@blogger.com0