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You might also like: Pre-Order Your "FREE" Credit Repair Guide!

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Pre-Order Your "FREE" Credit Repair Guide!

My "D.I.Y. Credit Repair Guide" (The Blueprint) will give you step by step instructions on how to dispute derogatory items and have them removed from your credit reports. It will also go over a brief history of credit repair and how the process has changed over the years.

My guide will dispel all the myths associated with credit repair in regards to what can and cannot be removed. Everything can be removed...even if the debt legitimately belongs to you. I have no doubt that my credit repair guide will assist you in removing derogatories from all three credit reports but it will only work to the level of time and commitment that you are willing to put into it.

This guide will be available for a limited time by email request only. You may pre-order your copy by using the "Subscribe Now" form. Once I have received a satisfactory amount of requests, I will distribute the guide to all subscribers in a single deployment. Your email address will not be visible.

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Pre-Approved Credit Card Offers

People on the brink of credit improvement but not quite there yet, often find themselves faced with a dilemma. Do you accept the first pre-approved credit card offer that comes your way regardless of interest and fees, or do you hold out and wait for something better to come along?

I know that having someone willing to take a chance on you and extend an offer for new credit makes you feel all warm and fuzzy inside, but be careful. Offers like this can sometimes have negative strings attached such as high-interest rates and maintenance fees.

Some companies will make an offer for credit but only if you agree to pay a yearly maintenance fee that's usually broken down into 12 equal monthly payments. This is the equivalent to petty theft! You're already being gouged with high-interest rates, and now they want to charge you monthly for the privilege to do so? It doesn't make sense.

Look, paying a higher interest rate is to be expected because we already know you have bad credit...but the amount of interest you pay should have an automatic cutoff point. Here's what I mean. A person with poor credit should expect to pay an interest rate somewhere between 23-29%. That's a given, and you do it until your credit improves enough to do better.

But if you receive an offer for credit and it's touting 36% interest or worse, tear it up and toss it in the trash. You can do better. Don't let these creditors prey upon you. It's hard enough to pay debts down while trying to rebuild credit but it's next to impossible to pay down debt if most of your payments are going to the interest rather than the principal. Just say NO!

You might also like: Pre-Approved Visa: Merrick Bank

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Prism: A Money Management Tool

Every now and then we all forget to pay a bill or two if it is not sitting on a desk right in front of us. Now, on the surface this seems like no big deal, right? You're late a couple of days or in the worst-case scenario, you forget about the bill completely until the following month.

Now, that's where your troubles begin because once you become 30 days late, your creditors can tack on a hefty late fee which is often times larger than your monthly payment for the bill itself! Believe me, I've been down that road more times than I care to remember!

I've always had good intentions but when you have monthly bills numbering in the teens, you're bound to overlook, misplace or forget to pay one or two of them. This can cause late fees to skyrocket and cost you money that could have been used to pay down other outstanding debt.

It's a hard lesson that has cost me hundreds if not thousands of dollars in fees over the years until I stumbled upon a great money management app called Prism. Prism was not the first app that I've used to manage my money but it is without a doubt the best.

I have highlighted a few of Prism's key features below:

1. Prism will notify you a few days in advance to let you know that a payment is coming due. Prism will send a second reminder on the due date if you have not paid your bill to date. This may not seem like a big deal but it has saved me hundreds of dollars in late fees which has indirectly contributed to improving my credit because I have stopped being late.

2. Once you have entered all your bills and payment options into Prism, you can pay each bill individually as they come due or pay them all on the same day through the app! Bill payments through Prism are 100% free and will usually post the same day or in 2-3 business days, depending on your biller.

3. There's no need to keep track of paper bills, account numbers or multiple passwords for all your online accounts because they remain stored securely within the Prism app. Prism's simple, clean design lets you know at a glance the exact amount you owe at any given time for a single bill or all bills combined. I am convinced that Prism is a "game changer" in the field of money management.

You might also like: Prism Money

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Gettington Credit: An Updated Review

Last month I wrote a post entitled: "Gettington: Credit As Easy As 1-2-3." In the post, I explained how I came upon them by accident while browsing the Credit Karma website. As Credit Karma is known to do, they recommended that I apply for Gettington Credit because they felt that based on my current credit score, I had a great chance of being approved.

As it turns out, they were right. I was instantly approved online for Gettington Credit in January 2019 with a starting credit limit of $400.00. Fast forward to May 2019, just four months later and Gettington notified me that my credit limit has just been increased to $800.00. I was more than excited because what I initially thought was a good credit decision suddenly turned into a great one!

Since I had no way of knowing that my credit limit would double in just 4 months of minimal usage, I thought it was important that I provided an updated review just in case you were still undecided about whether to apply. I hope this update has made your decision easier. Please post a comment below and share your experience with Gettington!

You might also like: Gettington: Credit As Easy As 1-2-3

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Does Paying Collections Improve Your Credit?

At one time I took a very hard stance of never paying a collection account because no benefit was gained by it. It would not improve your credit nor would it make it worse. You'd just be out of a little cash. As time has passed, I have softened my stance quite a bit with regards to paying past due collection accounts and now I’d say it just depends.

The decision to pay or not pay depends on two key factors:

1. The first factor is: How old is the debt? If the debt is very near the 7-year point of which it is scheduled to fall off your reports organically, then I would say do nothing and just let it fall off. If it’s a new collection and you’ve still got a ways to go, then I would make my decision to pay or not pay based on factor #2.

2. The second factor is: How much do you owe? If you owe smaller cable or electric bills of $100 or so, then I would suggest that you go ahead and pay them. It makes no sense having an unpaid collection showing for such a small amount. If the debt is significantly larger, I’d leave it be and focus on your current bills that are active and in good standing. Creditors put more weight on how you're paying your bills now, vs how you paid them years ago. Focus on the now.

You might also like: Collections Most Wanted

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