Your services will include:
This is a recurring rate and does not vary or change dependent on the credit situation.
*Please note if your are signing up during a special or with a coupon please do NOT forget to enter that information to assure you are properly discounted*
1.) Paying Bills late- it is absolutely critical that bills are paid ON TIME; Especially monthly credit reporting bills. Payment History makes up 35% of your credit score!
2.) Credit Card Utilization- having a high utilization rate impacts your score on your credit cards. Keeping it at 29% or less is ideal
3.) Disputing Inaccuracies online- this can be a big ” no, no”. There is a clause in the terms and conditions that will prevent you from re-disputing. Some things may require a re-dispute after the initial one takes place or isn’t “properly handled”
4.)Living beyond your means- Most people don’t have at least 6 months of savings available to them in case in of “emergency” because their finances are being stretched so thin. Consider downsizing or reducing bills to get a bigger savings! (i.e. do you really need 900 channels of cable?) This will assure money is available for on time payments.
5.)Not having any debt- there is good debt and bad debt. Good debt can be a mortgage paid on time each month. Bad debt can be a collection account from an unpaid medical bill. Not having any debt is worse than bad debt, because lenders can’t see how you handle credit and can’t assess the “risk” ; which could result in declination of your credit application. Avoid this by having GOOD debt reporting each month.