Full Sail Mortgage a division of Network Funding LP presents tips to help you increase your credit scores. This will help you get lower interest rates on mortgages, car loans and insurance premiums.
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Improve your credit score
Posted by admin | Under Increase Credit Score Saturday Aug 28, 2010How To Improve Your Credit Score in 24 Hours
Posted by admin | Under Increase Credit Score Tuesday Aug 3, 2010
Free tips on how to improve your credit score in a hurry.
Go to http://www.improveyourcreditscorein24hours.com for more information.
Duration : 0:3:49
Increase Your Credit Score – Credit Repair Helped Rohan Dalal Improve His Credit Score
Posted by admin | Under Increase Credit Score Saturday Jul 31, 2010
http://www.ScoreMoreCredit.com – Hear Rohan Dalal explain how we increased his credit score. Learn how credit repair can help you quickly and legally increase your credit score as much as 249 points in as little as 45 days!
Duration : 0:0:55
Credit Repair Exposed – Improve Your Credit
Posted by admin | Under Increase Credit Score Wednesday Jul 28, 2010
http://www.ScoreMoreCredit.com – Credit expert, Brian Diez, reveals how your credit score effects where you live, where you’ll work, what you drive, and when you’ll retire.
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Credit Card Application Tips – Guarantee Approval
Posted by admin | Under Increase Credit Score Monday Jul 19, 2010
http://InstantApprovalCreditCard.Info/2008/07/26/credit-card-application-tips/
Get the best credit card application tips and guarantee approval. Apply for card offers with low APR and get approved.
Duration : 0:4:26
Tradelines can increase your Fico Score 25-75Point on Average! Call to get Urs!
Posted by admin | Under Increase Credit Score Saturday Jul 17, 2010
Pleae RATE & SUBSCRIBE: Before you call me go to www.guillermocervano.com Financial Chemotherapy now offers Credit Enhancement services. Credit Enhancement is for people who want to maximize their time and increase their FICO Score to purchase Life Insurance , Home, Auto Loans in 30 to 45 days. Each trade line can increase your Fico Score by 25-75 Points on Average.
Trade Lines are not for everyone….ONLY THE SERIOUS PERSON WHO WANTS TO GET THINGS DONE!
Take advantage of this product and at the same time fix your credit. We have seasoned/Primary trade lines from 1 to 15 year from sophisticated investors that will permanently stay on your credit report.
Just like there are no UGLY girls out there…there just girls who don’t know how to put make-up on….NOW, THERE ARE NO UGLY CREDIT REPORTS….THERE’S JUST CREDIT REPORTS WITHOUT NO POSITIVE TRADE LINES FROM FINANCIAL CHEMOTHERAPY. Its like putting make-up on but the make-up will stay forever! Oh…that Credit Report looks soo good!
Attentions Future client: Please go first to http://www.guillermocervano.com
Contact Financial Chemotherapy at 973-440-8661
Duration : 0:7:14
How To Raise Your Credit Score – Peg Maloney Re/Max
Posted by admin | Under Increase Credit Score Wednesday Jul 14, 2010
Pay Off YOUR Debt, NOW!
The only way to raise a credit score is to pay off your debt or at least reduce it to an acceptable level! I recommend paying off high interest rate credit card debt first.They can suck the life out of your finances! As for those, “magic cure” credit repair commercials you hear and see promising a quick fix, their scam is even greater than high interest rate scam your credit card company is charging you!
What steps do you need to take to build your credit score to the highest level possible? How can you secure a mortgage with a lower interest rate? Use my common sense guidelines provided below to get rid of the debts that have reeked havoc on your chances for a lower-interest mortgage on your dream home.
1.) Pay Your Bills on Time — All the Time!
I know, I know — this isn’t always easy. But, lenders of all kinds look for reliability on your part. Since loaning money is a risk for them, they look for signs that you have a reliable income and the discipline to pay your bills over time. When they see those signs, they say to themselves, “Hmmm, this person looks like a good risk to me; therefore, he or she deserves a lower interest rate.”
2.) Do Not — I Repeat! — Do Not Open Unnecessary Credit Cards!
People sometimes open credit card accounts in order to increase their available credit. Absolutely avoid this temptation! It’s simply too darned easy to charge for items you don’t really need, and, before you know it, you’re back in debt or have increased it to an unreasonable degree.
3.) Budget, Budget, Budget!
Financially, this is possibly the most “unsexy” task there is, and yet it’s the most vital and important one you can possibly undertake! YOU need to figure out where you stand financially. Budgeting will allow you to get rid of debt, improve your credit score, and shape a low interest rate financial future for you!
4.) How Much Debt is Too Much?
Here’s the first question to ask yourself in terms of budgeting: How much debt is too much?
Actually, there’s a standard financial formula that allows you to answer that question. This formula is called the debt to income ratio, and what it does is measure your net monthly income against your debt.
Here’s an example:
“George” has a net monthly income of $2000 and his monthly debt payments are $500.
So, to get his debt-to-income ratio, George divides $500 by $2000 and gets this ratio:
500รท2000 =.25 (25%)
Is this a good ratio?
Well, financial experts generally agree that debt expenses should be 25% or less of your income. George’s ratio is reasonable but could be better.So, what’s the ratio of your debt to your income? Figure that out by taking the next step.
5.) Calculate Your Debt-to-Income Ratio
You can answer that question by completing the following tasks:
Task 1: Analyze your bills from the last month. Add up all the fixed expense items (rent, mortgage, car payments, child support, loan payments, etc.)
Task 2: Review your credit card bills and add up the minimum payments owed on each card.
Task 3: Figure out your monthly take-home pay (net salary).
Task 4: Divide your monthly fixed expenses by your monthly income to get your debt-to-income ratio.
What percentage did you get? If it’s 25% or greater, then it’s definitely time to budget in order to reduce or eliminate your debt.
I’d be happy to discuss some more in-depth budgeting tips and provide you with information on mortgages at the same time! Go to (insert link) right now so we can get together and have an interest friendly financial chat!
Duration : 0:1:15
Credit Repair Secrets – Proof credit repair works!
Posted by admin | Under How to Repair Credit Saturday Jun 12, 2010
http://www.ScoreMoreCredit.com – Bobby Pinckney was skeptical about credit repair. Especially since a major law firm barely improved his credit report after a year. He asked Score More Credit to repair his credit and his score jumped over 100 points in under 30 days! Let Score More Credit repair your credit score. No results – No charge!
Duration : 0:4:3
(California credit Repair)
Posted by admin | Under How to Repair Credit Thursday Jun 3, 2010
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(Credit Repair) | Credit Fix Now. …. “My wife and I were discharged in January 2001. We lived on a cash-only basis after the …
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Customers who believe they have been victimized by a credit repair service company can file a complaint with the California Attorney General’s Public …
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Credit report problems after bankruptcy? The Southern California credit report repair lawyers at can answer your questions about how to get a …
Credit Repair Scams: How To Spot Them :: California Credit Law Blog
Credit Repair Scams: How To Spot Them :: California Credit Law Blog. … Beware of credit repair organizations that do any of the following: …
(California Credit Repair)
Mar 24, 2008 … California’s proven best credit repair. Delete bad credit from your reports in no time.
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central california legal services – CREDIT REPORTS AND REPAIR
At worst, credit repair companies may illegally offer you a new credit identity. This is done with forged documents. You are breaking the law if you use a …
Credit Repair Firms
The Law Center and The Consumer Law Center, two names under which Walter D. Channels and James Martin Coose, of southern California, have done credit repair …
Credit Repair – Folsom, California
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The Trueblood Law Firm assists California consumers with credit reporting problems, including inaccurate credit reports and identity theft.
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Duration : 0:5:53
ICB Trade Lines – Piggyback Credit Increases FICO Score
Posted by admin | Under Increase Credit Score Monday May 24, 2010
Fair Isaac Corp., the company responsible for FICO credit scores, has decided that when it unveils a new version of its credit score system in September, it will close the loophole that allowed piggybacking.
Angry proponents of piggybacking say they’ll organize a grass-roots campaign to fight against the change.
With piggybacking, a consumer with poor credit is placed as authorized user on the credit card of a person with a stellar credit history. Authorized users benefit from having the payment history of the primary cardholders show up on their credit reports, thereby improving their credit scores.
Lenders have complained that it is fraud and distorts the credit score system.
Internet companies have created an industry by playing middleman — paying a small sum to those with good credit to take on those with bad credit as authorized users, then collecting healthy fees from those consumers.
Now one of those Web-based firms has threatened to organize an effort to expose problems in the credit scoring system.
“Our very existence (proves) that the FICO system is so flawed,” says John Coates, spokesman for Instant Credit Builders based in Largo, Fla.
Fair Isaac says that starting in September it will ignore authorized users as it calculates the renowned FICO credit score.
“Fair Isaac has become aware that Web-based services are using authorized trade lines to defraud lenders,” says Craig Watts, spokesman for Fair Isaac. “While we work with the financial services industry on an industry solution, we wanted to protect lenders and FICO scores.”
The FICO credit score is used by lenders to assess risk in lending money. Lenders factor this number, which can range from 300 to 850, in credit decisions. Watts says 90 percent of the largest U.S. banks base their loan decisions on FICO credit scores.
Watts says the change will prevent people from misleading lenders about their true credit risk.
Coates argues the system can’t be easily changed.
“Maybe our system can definitely show you, OK, there seems like there’s a loophole and there are flaws that increase the score. You know what? There are also a zillion flaws that decrease the people’s scores.”
He says Instant Credit Builders plans to bring to light every flaw in the credit scoring system.
“We are building a community of people that are going to stand up. We will petition against it and we are actually going to formulate plans to work together as a grassroots effort to actually create a financial revolution,” he says.
Those who rent credit histories won’t be the only ones suffering a loss. Often parents will attempt to give their children a jump-start on a good or improved credit history, and they’ll be taking a hit as well.
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