Are you making your holiday gift list and checking it twice? Consider giving your loved one (or yourself!) the gift of a credit expert’s guidance. Call Phoenix Credit today (314) 429-2040. We will get a gift card to you in plenty of time for holiday delivery.
Are you one of the many people who will begin their holiday shopping this week? If so, look for our new blog post this week about how to avoid damage to your credit score while purchasing gifts for your loved ones.
A significantly higher percentage of women face credit challenges than the percentage of men who do.
Phoenix Credit Consultants was excited for the opportunity to attend the World Women’s Summit at the Clinton Presidential Library in Little Rock to discuss how women can be empowered by better credit.
The road to better credit can be filled with twists and turns. Make sure that you’re being guided by an expert that knows the rules of the road. Call Phoenix Credit Consultants (314) 429-2040. They will help to get you where you want to be.
Are you ready to make 2020 the year that you provide answers about your financial future? Building your credit is one of the best places to start that process! Call Phoenix Credit today. (314) 429-2040.
Is your family growing? Is it time to think about adding another bedroom and maybe a nice yard for the kids? If so, your first step should be to make certain that your credit is in good shape. Why shop for a house if you’re not sure you’re going to qualify for a mortgage? Text “NEWHOME” to 314-954-7429. Let’s start the conversation about your credit.
Hello September! Is one of your goals to be a home buyer next year? If so, now is the time to take a look at your credit to see if it needs work! Give us a call 314-429-2040. We can help you access your report and identify any problems that are lowering your scores.
A medical crisis or illness is one of the most common causes of a damaged credit score. If you’re fighting cancer, some help may be available to you.
Congress passed a law about a year ago that may entitle you to hit the pause button on repaying your student loans.
The Department of Education has finally released the forms you need to apply for that relief.
You can find the forms here:
New credit, or more specifically applying for additional credit, is the fourth factor included in your credit score. It makes up about ten percent of your score. When and how you apply for new credit can impact your scores. #creditscore#freecreditguide#mortgageready#creditrepair
Not knowing the statute of limitations applicable to the type of debt that they are dealing with on their credit report is another common mistake that we see people make when attempting to repair their own credit.
A statute of limitations is a state law that governs the time period during which you can be sued by a creditor. It varies from state to state, and can also vary in a state for different types of accounts. (In one state the period of limitations on credit card accounts is only 3 years!)
The fact that a creditor cannot legally collect on an account offers you tremendous leverage in getting that account settled for far less than full value.
The worst thing you can do is to enter into a payment plan with a creditor or a collection agency on these accounts. Doing so could actually “retrigger” the statute of limitations for that debt.
And yes, accounts can be reported on your credit after the statute of limitations has expired. The Fair Credit Reporting Act allows accounts to be reported, generally, for seven years. If your applicable statute of limitations is less than seven years, it can still be reported, even if legally uncollectable. #freecreditguide#creditrepair#creditscore#ficoscore#mortgage#mortgageready#creditexpert#realestate#realtor#mortgagebroker#mortgageloanofficer#finance#homeloan#fixmycredit#wealth#phoenixcreditconsultants#creditlaws