Know your report inside and out
Credit repair is a great tool . . .if you know how to use it. You must have a watchful eye on your report. Question everything on your report. It is your responsibility to ensure a healthy credit report, no one else is going to have as much interest in your credit than you. The entire credit reporting system, with its many participants, is prone to error. And these errors have the tendancy to lower your credit score and ultimately cost you dollars. Take your time, find every error, and get ready to fight. Griffin Credit can help.
Dispute Collections
Give special attention to collections. Collectors buy and sell debt every day. If your account does not pay off the collector will package it up and sell it to another collector who will try their luck. And each collector in turn will report your collection to the credit bureau. By law, when a collector sells a debt they must withdraw the account from your credit report. Unfortunately, there is no real motivation for them to do so and these erroneous accounts can linger needlessly for years. Griffin Credit removes such accounts from the report.
Think before you act
dispute letters are the back bone of credit repair. It is not hard to write a dispute letter, but it is very difficult to make the letter effective. When it comes to credit repair you take a chance if you dont have the proper angles to dispute. It may be tempting to tell your whole life story in your dispute letter, but your heartfelt tale will fall on deaf ears. The goal of a dispute clerk is to translate your letter as quickly as possible into a two digit code summarizing your concern. For best results, you must know that codes that the bureaus use to dispute, it makes it much more effective.
Build New Credit Today
As important as the dispute process is, it is even more essential to your credit repair that you have open positive accounts. Your credit scores are based on everything on your report, both the negative and positive. Removing the negative will eliminate the burden on your scores. But your scores will not automatically rise. You need something good on your reports for your scores to improve. If you cannot get regular credit cards, get secured cards. They are the perfect credit repair tool and can improve your scores over 100 points within six months, if managed right.
Manage Revolving Debt Right
Your credit scores are very sensitive to the balances. Many people working hard at credit repair are discouraged when their scores continue to fall in spite of perfect on-time payments. For the best credit repair results you should only use 30 percent of the amount available on your cards. To underline the importance of this matter it is worth noting that your revolving balances can move your scores over 100 points. A maxed out credit card will have a devastating effect on your scores. Watch your balances!
Budget and Save
For long term credit repair success you need to make sure that new problems do not arise. A fresh late payment will be a major setback. The best way to avoid the kind of financial stress that can lead to late payments is to have a financial buffer in the form of a savings account. When unplanned expenses arise they will not become unmanageable. If you do not seem to be able to save money you should start by creating a written budget. Examine all of your expenses and make sure that there is room for savings each month. Even a small contribution will do the trick.
Get Credit Repair Help
Professional credit repair help is very affordable! Griffin Credit can help with all of your credit repair needs and bring you effective results, we are here to fight for your credit and we guarantee results.
Tuesday, September 1, 2009
Friday, August 21, 2009
Integrity
A few words on integrity.
In a world of high-tech, instant emails and instant gratification, there seems to be an ever growing sense of impersonality within our midst. We overhear personal conversations at the deli counter. We see people waiting in offices, enveloped in their mobile laptop and blackberrry. We seldom know our postal carrier, and we don’t even have a milkman or butcher anymore.
We’ve become unaccountable; hiding behind electronic doodads so we don’t have to face each other eye to eye in total honesty.
It used to be a handshake was all it took to confirm in stone our business intentions. Now, we have to engrave our signatures in blue ink, notarized with seals of approval. We simply do not do what we say we will do… we lack integrity.
What ever happened to integrity? Whether you define it as a core value system, or being honest, you’re only half right. Those are some components of integrity…but it is so much more.
Integrity in whole, respects a unity a completeness of consistent principles and ethics – which comprise a value system that never sways, never erodes. It is committed to authenticity– direct accountability. It doesn’t concede to infallibility, but rather is a refusal to engage in incorrect behavior and instead embraces the ethics of correcting fallibilities under a moral guideline.
According to famed law professor, Stephen Carter, integrity imposes three distinct steps as such: 1. The discernment of what is right and wrong. 2. Acting on what one discerns as right and wrong even at a personal cost. And 3. Stating you are acting on your discernment of right from wrong.
In this model, integrity isn’t honesty. It is an act of thinking and taking action on what is right and remaining accountable for those actions regardless of its outcome.
What we need more than ever is to remember that behind every keystroke is a person who needs to remain accountable, reliant, efficient and trustworthy. We need to remain ethical in our high-tech world, and remain steadfast in our society’s definition of integrity.
In a world of high-tech, instant emails and instant gratification, there seems to be an ever growing sense of impersonality within our midst. We overhear personal conversations at the deli counter. We see people waiting in offices, enveloped in their mobile laptop and blackberrry. We seldom know our postal carrier, and we don’t even have a milkman or butcher anymore.
We’ve become unaccountable; hiding behind electronic doodads so we don’t have to face each other eye to eye in total honesty.
It used to be a handshake was all it took to confirm in stone our business intentions. Now, we have to engrave our signatures in blue ink, notarized with seals of approval. We simply do not do what we say we will do… we lack integrity.
What ever happened to integrity? Whether you define it as a core value system, or being honest, you’re only half right. Those are some components of integrity…but it is so much more.
Integrity in whole, respects a unity a completeness of consistent principles and ethics – which comprise a value system that never sways, never erodes. It is committed to authenticity– direct accountability. It doesn’t concede to infallibility, but rather is a refusal to engage in incorrect behavior and instead embraces the ethics of correcting fallibilities under a moral guideline.
According to famed law professor, Stephen Carter, integrity imposes three distinct steps as such: 1. The discernment of what is right and wrong. 2. Acting on what one discerns as right and wrong even at a personal cost. And 3. Stating you are acting on your discernment of right from wrong.
In this model, integrity isn’t honesty. It is an act of thinking and taking action on what is right and remaining accountable for those actions regardless of its outcome.
What we need more than ever is to remember that behind every keystroke is a person who needs to remain accountable, reliant, efficient and trustworthy. We need to remain ethical in our high-tech world, and remain steadfast in our society’s definition of integrity.
Tuesday, August 18, 2009
Repair and Prepare
Credit repair brings incredible results, perhaps it will change the entire look of your report and raise the scores beyond what you thought was possible. It may happen fast or it may take time, this all depends on your report. One thing is for sure . . .credit repair is not the only cure for your sickly credit, it will take work. It is important to understand what credit repair is and to set a realistic mind set of expectations.
Prepare for the Repair
There are three things you must do to ensure that credit repair brings the best possible results. Get control of your existing obligations by building a practical budget. You must learn how to manage your account balances to promote higher credit scores, and you must learn the effect each type of credit will have on your credit report.
Fail to Plan;Plan to Fail
Creating a budget is an emotional process. The more you know about your finances the better off you will be. When the time comes to make a decision that will affect your monthly cash flow it should be made unemotionally. Too many financial errors were made out of emotional decisions or purchases. You are going to work hard on your credit repair. Look at the numbers . . .numbers don't lie. You can’t afford to fly blind.
Get a pad of paper and list everything that you spend money on. Take your time and make sure that you have included everything from the big monthly obligations to your daily incidentals. Don’t forget an item because it occurs only occasionally, like an annual vacation. Just estimate the total amount you will need and divide it by twelve to determine the amount you should set aside each month. The goal of this exercise is to get a complete picture of your expenses.
Your Balances and Your Credit Scores
There was a time when you would have great credit if you paid your bills on time. This is no longer enough. Making timely payments for years and still having terrible credit scores is very common. For best results you must understand the relationship between your balances and the scores. The FICO scoring model grades you on the amount of available credit that you use, commonly referred to as the balance to limit ratio.
For the best credit score you should reduce your balances so that you are using less than 33% of the credit. The lower the balance, the higher your score will be. Don’t underestimate this. You could lose over 100 points by running up a revolving balance to the limit.
Using the Right Kind of Credit
The FICO scoring model likes certain credit types, but will penalize you for others. If you want to improve your credit you should use common cards like MasterCard, Visa, American Express, and Discover. Avoid consumer credit, including store cards and financing offered by furniture and electronics stores.
Soap Box
This country is ridden with debt and borrowing money we don't have. The government has announced that Americans are in trouble with credit card debt and imply that we, as Americans should not be in such debt and have been carilous with our spending . . .while this is true, the Goverment is now borrowing more money than ever with a unsurpassed deficit with no solid recourse in balancing back to zero. This goes to show that credit can be misused. Credit is a wonderful thing in many cases. Being able to buy a home and manage a payment has helped our country grow and prosper, sometimes even made the economy boom and create millions of jobs. On the other hand credit can be dangerous and cripple family by leading them into debt and ultimately ruin your marriage, split families apart, and foreclose on homes. Use credit wisely and ask yourself . . ."Do I really NEED this?" and "At what cost am I really prepared to pay for this so called NEED?" When you purchase using credit you are gambling on having the money to pay it off later, their are few guarantees in life and this is not one of them.
Copy Wright 2009 Griffin Credit All Rights Reserved
Prepare for the Repair
There are three things you must do to ensure that credit repair brings the best possible results. Get control of your existing obligations by building a practical budget. You must learn how to manage your account balances to promote higher credit scores, and you must learn the effect each type of credit will have on your credit report.
Fail to Plan;Plan to Fail
Creating a budget is an emotional process. The more you know about your finances the better off you will be. When the time comes to make a decision that will affect your monthly cash flow it should be made unemotionally. Too many financial errors were made out of emotional decisions or purchases. You are going to work hard on your credit repair. Look at the numbers . . .numbers don't lie. You can’t afford to fly blind.
Get a pad of paper and list everything that you spend money on. Take your time and make sure that you have included everything from the big monthly obligations to your daily incidentals. Don’t forget an item because it occurs only occasionally, like an annual vacation. Just estimate the total amount you will need and divide it by twelve to determine the amount you should set aside each month. The goal of this exercise is to get a complete picture of your expenses.
Your Balances and Your Credit Scores
There was a time when you would have great credit if you paid your bills on time. This is no longer enough. Making timely payments for years and still having terrible credit scores is very common. For best results you must understand the relationship between your balances and the scores. The FICO scoring model grades you on the amount of available credit that you use, commonly referred to as the balance to limit ratio.
For the best credit score you should reduce your balances so that you are using less than 33% of the credit. The lower the balance, the higher your score will be. Don’t underestimate this. You could lose over 100 points by running up a revolving balance to the limit.
Using the Right Kind of Credit
The FICO scoring model likes certain credit types, but will penalize you for others. If you want to improve your credit you should use common cards like MasterCard, Visa, American Express, and Discover. Avoid consumer credit, including store cards and financing offered by furniture and electronics stores.
Soap Box
This country is ridden with debt and borrowing money we don't have. The government has announced that Americans are in trouble with credit card debt and imply that we, as Americans should not be in such debt and have been carilous with our spending . . .while this is true, the Goverment is now borrowing more money than ever with a unsurpassed deficit with no solid recourse in balancing back to zero. This goes to show that credit can be misused. Credit is a wonderful thing in many cases. Being able to buy a home and manage a payment has helped our country grow and prosper, sometimes even made the economy boom and create millions of jobs. On the other hand credit can be dangerous and cripple family by leading them into debt and ultimately ruin your marriage, split families apart, and foreclose on homes. Use credit wisely and ask yourself . . ."Do I really NEED this?" and "At what cost am I really prepared to pay for this so called NEED?" When you purchase using credit you are gambling on having the money to pay it off later, their are few guarantees in life and this is not one of them.
Copy Wright 2009 Griffin Credit All Rights Reserved
Sunday, August 16, 2009
Credit Repair- The Start of a Long Race
Be prepared for more than clean up
Credit Repair is a great tool for cleaning up your credit, in fact it is the only tool. However, to get lasting results and to better your life from the repair on it is crucial that you stay persistant and keep a watchful eye on your report. You must be willing to fight for your scores, challenge everything, and be prepared to harrass the agencies until they adhere to the laws given to you and I. Or, you could hire www.Griffincredit.com to fix your credit for you.
Your Credit Report
Your credit report is most likely not accurate in telling you who you are. I have been doing this for many years and I can tell you that credit scores are no more than a reflection of a window of time in your life . . .it doesn't make you who you are. The credit bureaus make mistakes, so do we as humans, the report reflects such mistakes and either allows you or prevents you from financing or buying things that you and your family need to enjoy life. It is necessary to look at your credit and comb through with a fine tooth comb to ensure all information is correct. Does the addresses reflect correctly on the report? Does your spouse or former spouses information report on your bureau? Are their any AKA's (Also known as) showing on your report? This is a large entry for Identity Theft to find it's way into your life. You must examine your report line by line and take a vicious approach at ensuring the bureau is reporting correctly. www.Griffincredit.com can repair your credit and ensure your report is accurate.
Don't Give Up
Items arent removed on your report the first time you dispute, you can't give up. You must have follow up disputes to back them up. A good credit repair company is poised to dispute and follow up on previous disputes to ensure the highest success. Griffin Credit is ready to fight for you and raise your credit scores. We customize your credit repair to ensure maximum yield for your money.
Repair Isn't the Only Answer
Credit repair can get you on the right path, but you must have good credit accounts reporting. Griffin Credit is aware of this and we do our best to turn negative information on reports to positive if we can rather than just getting them deleted. It is important to strive for more credit and use it wisely to build bigger scores.
Credit Repair is a great tool for cleaning up your credit, in fact it is the only tool. However, to get lasting results and to better your life from the repair on it is crucial that you stay persistant and keep a watchful eye on your report. You must be willing to fight for your scores, challenge everything, and be prepared to harrass the agencies until they adhere to the laws given to you and I. Or, you could hire www.Griffincredit.com to fix your credit for you.
Your Credit Report
Your credit report is most likely not accurate in telling you who you are. I have been doing this for many years and I can tell you that credit scores are no more than a reflection of a window of time in your life . . .it doesn't make you who you are. The credit bureaus make mistakes, so do we as humans, the report reflects such mistakes and either allows you or prevents you from financing or buying things that you and your family need to enjoy life. It is necessary to look at your credit and comb through with a fine tooth comb to ensure all information is correct. Does the addresses reflect correctly on the report? Does your spouse or former spouses information report on your bureau? Are their any AKA's (Also known as) showing on your report? This is a large entry for Identity Theft to find it's way into your life. You must examine your report line by line and take a vicious approach at ensuring the bureau is reporting correctly. www.Griffincredit.com can repair your credit and ensure your report is accurate.
Don't Give Up
Items arent removed on your report the first time you dispute, you can't give up. You must have follow up disputes to back them up. A good credit repair company is poised to dispute and follow up on previous disputes to ensure the highest success. Griffin Credit is ready to fight for you and raise your credit scores. We customize your credit repair to ensure maximum yield for your money.
Repair Isn't the Only Answer
Credit repair can get you on the right path, but you must have good credit accounts reporting. Griffin Credit is aware of this and we do our best to turn negative information on reports to positive if we can rather than just getting them deleted. It is important to strive for more credit and use it wisely to build bigger scores.
Wednesday, August 12, 2009
Griffin Credit Tips
The Joy of simplicity
Are you interested in credit repair? Would you like to have a beautiful credit report and awesome scores? You may need to make some lifestyle changes. But there is good news, although credit repair success demands a financially responsible lifestyle, it does not demand a life of austerity. Many people embarking on a credit repair program such as www.Griffincredit.com begin making changes out of necessity, only to discover the joy of living a life of simplicity. Griffin Credit can help.
You can do it
The days of living beyond one’s means are over. This economy simply won’t bear it. The time is here to balance your budget, build your personal wealth, and live a life of confidence and clarity. It can be done, and it is the balance to complement your credit repair efforts. The inner peace you will experience when your life is in balance far outweighs the short lived pleasure that comes from driving off the lot in a car that will force you to skip meals to make the payment
Control your payment
Now is the time to make good decisions. Once your finances are stable you will be able to save. This financial buffer will insure that you can weather the storms of unexpected expenses without falling behind in your payments and risking your credit repair results. It boils down to getting control of your finances and finding a way to balance your budget. Brian Burwell from Lawing Financial gives the following advice, “you simply can’t start an investment portfolio until you have made the proper budget to manage your lifestyle. I advise all of my clients to decide what life style is important to maintain before considering their investments. Without a balanced budget, a clear objective, and six months of living expenses in the bank . . .you shouldn’t be considering saving or investing, it is simply too risky.
It can be fun
A budget doesn’t have to be a torturous process. Think of it as an adventure or a game. Begin by listing all of your expenses. Leave nothing out, from the big monthly costs to the little daily incidentals. Even include your lunch money. Don’t forget about the occasional expense like quarterly insurance bills. Now it is time to put on your thinking cap and figure how you can reduce your expenses. This can be fun, and you wont have to live like a monk to do it.
Simplification tricks
Many Griffin Credit clients have simplified their lives and reported back to us with these inspiring tips. Several people have successfully traded in their cars for lower cost options to save $$ monthly. Try eating at home more often. Restaurants are expensive, and if you eat out 2-3 times a week it adds up. Many people have taking up cooking at home, taking cooking classes to make it more fun, and finding family time in the home much more gratifying than going out to dine. Entertainment is important, but how much money are you spending at clubs or movies? Eat at home, take an evening walk, and enjoy the peace that financial health can bring you. Griffin Credit can help.
To contact Griffin Credit or to be contacted by a financial advisor go to support@griffincredit.com
Are you interested in credit repair? Would you like to have a beautiful credit report and awesome scores? You may need to make some lifestyle changes. But there is good news, although credit repair success demands a financially responsible lifestyle, it does not demand a life of austerity. Many people embarking on a credit repair program such as www.Griffincredit.com begin making changes out of necessity, only to discover the joy of living a life of simplicity. Griffin Credit can help.
You can do it
The days of living beyond one’s means are over. This economy simply won’t bear it. The time is here to balance your budget, build your personal wealth, and live a life of confidence and clarity. It can be done, and it is the balance to complement your credit repair efforts. The inner peace you will experience when your life is in balance far outweighs the short lived pleasure that comes from driving off the lot in a car that will force you to skip meals to make the payment
Control your payment
Now is the time to make good decisions. Once your finances are stable you will be able to save. This financial buffer will insure that you can weather the storms of unexpected expenses without falling behind in your payments and risking your credit repair results. It boils down to getting control of your finances and finding a way to balance your budget. Brian Burwell from Lawing Financial gives the following advice, “you simply can’t start an investment portfolio until you have made the proper budget to manage your lifestyle. I advise all of my clients to decide what life style is important to maintain before considering their investments. Without a balanced budget, a clear objective, and six months of living expenses in the bank . . .you shouldn’t be considering saving or investing, it is simply too risky.
It can be fun
A budget doesn’t have to be a torturous process. Think of it as an adventure or a game. Begin by listing all of your expenses. Leave nothing out, from the big monthly costs to the little daily incidentals. Even include your lunch money. Don’t forget about the occasional expense like quarterly insurance bills. Now it is time to put on your thinking cap and figure how you can reduce your expenses. This can be fun, and you wont have to live like a monk to do it.
Simplification tricks
Many Griffin Credit clients have simplified their lives and reported back to us with these inspiring tips. Several people have successfully traded in their cars for lower cost options to save $$ monthly. Try eating at home more often. Restaurants are expensive, and if you eat out 2-3 times a week it adds up. Many people have taking up cooking at home, taking cooking classes to make it more fun, and finding family time in the home much more gratifying than going out to dine. Entertainment is important, but how much money are you spending at clubs or movies? Eat at home, take an evening walk, and enjoy the peace that financial health can bring you. Griffin Credit can help.
To contact Griffin Credit or to be contacted by a financial advisor go to support@griffincredit.com
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