Posts Tagged ‘cards’

Debt collectors describe how they do their jobs–and why they prefer calling your relatives and neighbors!

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http://debtrelief911.com – Learn How to Eliminate Your Credit Card Debts in 90 Days Without Debt Consolidation or Bankruptcy!

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Got Debt? In Trouble? Don’t Know What To Do? Here is a straightforward…

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Financial advice from a Christian viewpoint from expert Steve Diggs of No Debt No Sweat Ministries. He helps people get out of debt.

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http://www.CSBCards.com ———

Rebuild Credit: Insider Credit Repair Techniques to Improve Credit Score Fast!

What’s the fastest way to raise your credit score? To quote the classic magazine salesman from the movie Office Space “That all depends”…

While the removal of negative items from your credit report will almost always result in an increase in your credit score, there is a method that works better.

Here’s why. Adding positive accounts is actually more effective at improving your credit score (in the short term) than removing negative one. Unfortunately, few consumers or credit repair companies know this.

One of the biggest problems with trying to get approved for new credit is that you need to “have” credit in order to be approved. This causes a sort of catch 22.

How does one “get” credit if no one will give them credit because they don’t have any credit to begin with? A vicious cycle indeed, but a real one. However, if you have someone you can use a cosigner this is NOT a problem. Simply have them cosign on the new credit application for you. If you don’t have a cosigner, read on.

Contrary to popular belief (or what myfico and credit repair companies would like you to believe), the largest factor in building a solid foundation for your credit score comes down to two credit scoring factors:

1.) The “High Credit Limit”

and

2.) Your “Debt to Credit” Ratio

Your high credit limit is simply the total amount of primary unsecured revolving credit lines you have (i.e. three credit cards at $5,000 each equals a high credit limit of $15,000).

Get it? Good.

Your debt to credit ratio is simply the amount owed on these cards in relation to your high credit limit (i.e. if your high credit limit was $15,000 and you owed $7500 your debt to credit ratio would be %50).

Keep in mind, your high credit limit is comprise ONLY of your total amount of unsecured revolving lines of credit. Home mortgages, auto loans, student loans, equipment leases and debit cards do NOT count towards your high credit limit.

A debt to credit ratio of 25% or less is ideal. Of course, there are many other factors which come into play, but keeping it simple, how does one improve credit score via increasing their high credit limit and lowering their debt to credit ratio?

That is the question….

The fastest way we have found is by adding primary user unsecured revolving lines of credit which are guaranteed approval (note: these are NOT authorized user accounts!).
These are unsecured lines of credit which appear on your report just like a visa card, mastercard or department store card etc.

We have found that while unsecured credit is the most difficult to obtain, it has proven to be the highest scoring on ones credit report. To find out the fastest we’ve found to add primary unsecured revolving lines of credit to your credit report, please visit:

http://www.CSBCards.com

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http://www.paxfinancialgroup.com (210) 881-5700

PAX FINANCIAL Group, LLC

Our focus is helping you improve your quality of life through strategies for financial peace of mind. We offer a wide variety of products and services to help you solve today’s personal and business financial problems and to prepare for the future.

Products & Services

* Non-Qualified Retirement Programs
* Financial Resource Analysis
* Life & Disability Income Insurance Needs
* Retirement Income Needs
* Budgeting and Cash Flow Study
* Retirement Products
* Individual Retirement Accounts (IRAs)
* Retirement Needs Analysis
* Tailored Retirement Programs
* Long Term Care Insurance
* Tuition Funding Programs
* College Costs Analysis
* Estate Planning *
* Tax Reduction Strategies
* Charitable Giving
* Business Solutions
* Business Continuation Planning
* Buy – Sell Strategies
* Family Business Succession Planning
* Key Person Insurance Executive Fringe Benefits
* Executive Bonus
* Deferred Compensation
* Employee Benefit Program
* Pension, Profit Sharing and 401(k) Plans
* Payroll Deduction Plans
* SIMPLE IRAs
* Estate Planning is accomplished by working in conjunction with the client’s tax and legal advisors.

LICENSING: We are licensed to sell insurance in the following jurisdictions: TX. We are licensed to sell securities* in the following jurisdictions: TX. We cannot communicate with, nor respond to requests from, users who reside in jurisdictions where we are not licensed to conduct insurance/securities business.

*Darryl Lyons, Joseph Schuetze, and Andres Gutierrez are Registered Representatives of and offer securities and investment advisory services through LPL Financial. A registered investment advisor. Member FINRA & SIPC.

Supervisory office: 400 N. Loop 1604 E Ste 330, San Antonio, TX 78232, (210) 881-5700.

PAX Financial Group is not an affiliate or subsidiary of LPL Financial

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