Tag Archive for: mortgage turn down

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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Before you run off to pay your collector to boost your credit score, remember these tips:

  • Once a collector gets your money, they’ll forget about you the next day. Any verbal agreements you might’ve made with them will be quickly forgotten.
  • Make sure everything is in writing! For example, tell a collector to write the following in your file: “If I pay this, I will be paid in full, settled in full, and you will remove it from my credit report.”
  • Negotiate at the end of a period since collection agencies work on quarterly or monthly statistics.

Believe it or not, collection companies aren’t all that bad. Although they want your money and they can be obnoxiously persistent about getting it, they’re also willing to work with you. If you cooperate with them, they’ll cooperate with you.

Ready to take the first step to improving your credit and buying a home? Download our free Home Mortgage Success worksheet. 

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