Tag Archive for: credit repair

Repairing Your Credit 

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Repairing your credit might sound overwhelming, but it’s easier than you think. Credit scores aren’t set in stone, they’re like a report card you can improve over time. Whether you’re trying to buy your first rental property or just want better loan options, taking steps to repair your credit today can open doors tomorrow.

Example: Sarah had a score of 580 and kept getting stuck with high loan rates. After paying down a few small debts and disputing an error on her report, her score jumped to 640 in just a few months. That small change saved her thousands on her next loan.

The first step? Check your credit report. Look for mistakes, missed payments, or old debts you can pay off or negotiate. Even small wins, like reducing a credit card balance, can make a big difference.

Credit repair isn’t magic, but with focus and consistency, you can make real progress. Start small, stay steady, and watch how it changes your financial future. 

Contact Us Today! 

Do you need more information on repairing your credit? Contact us today to learn some tips that can help you level up quickly and easily! 

Free Tools For You! 

We also have free tools available! Accelerate Debt Payments Calculator to see which debt option is best for you! 

Learn more!

Visit our YouTube channel to learn more about using debt instead of letting debt use you! 

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The Mortgage Approval Process

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Do you know what the mortgage approval process looks like? Well, here’s a snapshot:

The mortgage approval process is determined by three main factors:

  1. Credit score.
  2. Income/savings.
  3. How much money you put down on a house (or the loan-to-value).

The higher each factor is, the easier it is to get a loan. Why? Because there’s little to no risk for a mortgage company. You’ve proven you’re financially stable.

What if one of these three factors aren’t good? Well, you need to find a way to balance things out.

To learn more credit strategies and debt management, contact us!

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90 Day Challenge: Do What You Love

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Today, we’re kicking off our 90-Day Challenge!

What is the 90-Day Challenge? Simply put, it’s when we pick an activity we love to do and stick with it for 30, 60, or 90 days.

The key is choosing an activity that’s fun, fast, and CHEAP. Reading, hiking, swimming, biking, writing—it can be just about anything as long as it doesn’t cost too much.

By focusing on activities we enjoy, we stay focused and busy—which leads to spending less on random things out of sheer boredom. Boredom is one of the main reasons we hop online and shop, or go out for expensive meals, or find other ways to spend our hard-earned cash on things we don’t really need.

Give yourself a specific (and fun) purpose this coming month, and you’ll quickly (and easily) break free of bad financial habits!

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What the Heck Is a Credit Score

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What the heck is a credit score, anyway?

Essentially, your credit score helps lenders decide if they can trust you. Can you pay them back? Are you worth the risk? If so, how much should they charge you in interest? Think of it like your GPA in high school; the higher, the better. You’ll be given more opportunities and face less rejection.

Easy enough, right?

Ready to chat about your debt and how you can take control of it? Contact us today!

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Monday Motivation: Win

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