Experian / 6 posts found
What Is A Good Credit Score- 4 Tips to Determine A Good Credit Score
In this video I provide 4 tips to help you determine What Is A Good Credit score. Tip#1 Know what you are looking to obtain the credit for. If you are a first time home buyer the minimum score to have to purchase a home is 620. Between 620 and 640 allows you to obtain small lines of credit under 3,000 dollars. A score of 580-620 gets you into a car in a number of cases. So again know what you are looking to obtain the credit for is tip#1 Tip#2 Know the scoring model used by the creditors you […]
Fix My Credit -5 Tips On How To Fix Bad Credit…
In this video I provide 5 tips on how to fix bad credit. Tip#1 Find out what’s exactly on all 3 of your credit reports by going to www.annualcreditreport.com. There you can get all 3 of your official credit reports and compare the information. Tip# 2 Obtain a secured credit card. The object is to use the secured account and keep a revolving balance of 31% of the credit limit. Essentially if the secured account has 200 dollars as the credit limit your goal would be to keep a balance of 62.00 dollars. Tip #3 Become an authorized user. Essentially […]
Myths about Your Credit Report
In this video I debunk 3 Myths about your credit report. Myth #1 Someone can take something off your credit report. Myth #2 Having no credit or 0 balance on all your credit cards is a good thing. Myth #3 Once your credit report is in a negative standing there is nothing you can do about it. These myths need to be debunked and this video explains why.
Updates about Credit Karma
In this video gives you 2 updates about Credit Karma Credit Karma now provides the Experian Credit Report. As you may know Experian utilizes the Fico score. However its important to note Credit Karma does not provide your Fico Score even though they provide the Experian and Transunion reports. Secondly you need to be mindful of the dates for Experian and Transunion reports when the alarms go off about a negative action. I have found in a number of occasions as a credit counselor clients who called in about debts seen on Credit Karma that were over 7 years old. In most […]
Why Is It Best To Use Annual Credit Report to Obtain Your Credit Report
In this video I go over 4 distinct reasons why you should use annual credit report dot com over Credit Karma #1 The official place to get all 3 of your credit reports. # 2 The official place to get your true credit score. #3 You can dispute any item and all inaccuracies on your credit reports. #4 Government regulated and the official place to obtain all your reports.