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CREDIT CARD RULES

April 29, 2019 by CreditJunkie Leave a Comment

PART OF OUR “PATH TWO” TO CREDIT SCORE BUILDING Understanding these two basic rules will go a long way toward raising your credit scores. Balances on Revolving Credit Accounts are reported only once a month, and it isn’t random. What ever the balance is on the account the day after the Statement Closing Date is … [Read more…]

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Posted in: Credit Score Building, Personal Credit Tagged: austincreditgroup.com, credit "credit repair" "credit restoration" "credit rebuilding" debt negotiations "creditor negotiations" "debt settlement", credit repair

Free Annual Credit Reports / Credit Scores

January 12, 2016 by CreditJunkie Leave a Comment

Why bother with Free Annual Credit Reports? How do I get mine? What is in the FICO Credit Score Model?

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Posted in: Credit Help, Personal Credit Tagged: austincreditgroup.com, credit "credit repair" "credit restoration" "credit rebuilding" debt negotiations "creditor negotiations" "debt settlement", credit repair, Finance, https://www.facebook.com/AustinCreditGroup, northaustincreditrepair.com, roundrockcreditrepair.com, Texas

Qualifying For A Home Mortgage?

October 5, 2015 by CreditJunkie Leave a Comment

I was visiting with a couple who’s goal is to buy a home soon.

I found it interesting the lack of and miss-information that had been provided by the lenders they were talking with about this.
Scoring Models Addressed… Read More

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Posted in: Credit Help, Credit Restoration / Life Changing, Personal Credit Tagged: credit improvement, credit repair, Mortgages, northaustincreditrepair.com, roundrockcreditrepair.com, www.austincreditgroup.com

New Years Financial House Rebuild!

January 6, 2015 by CreditJunkie Leave a Comment

It’s that time of year when one needs to review their long term financial situation. Things to review include 401K participation, your Will(s), Health Care Directives, and of course, your Credit Profiles at all three credit bureaus.

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Posted in: Credit Help, Credit Restoration / Life Changing, Personal Credit Tagged: credit "credit repair" "credit restoration" "credit rebuilding" debt negotiations "creditor negotiations" "debt settlement", credit improvement, credit repair, creditrepairinaustin.com, https://www.facebook.com/AustinCreditGroup, northaustincreditrepair.com, www.austincreditgroup.com

Inquiries Revisited

December 29, 2014 by CreditJunkie Leave a Comment

Inquiries can be a problem for your credit score. The consumer needs to understand these points to best manage their credit score. This is like money in the bank.

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Posted in: Credit Help, Credit Restoration / Life Changing, Personal Credit Tagged: austincreditgroup.com, credit "credit repair" "credit restoration" "credit rebuilding" debt negotiations "creditor negotiations" "debt settlement", credit improvement, credit repair, creditrepairinaustin.com, Finance, roundrockcreditrepair.com, www.austincreditgroup.com

Is Your Credit Score Under 700?

December 16, 2014 by CreditJunkie Leave a Comment

Do you even know what your credit score is? Do you know what you need to do to raise your credit score? What are the benefits of a 700+ credit score?

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Posted in: bankruptcy, Credit Help, Credit Restoration / Life Changing Tagged: austincreditgroup.com, credit "credit repair" "credit restoration" "credit rebuilding" debt negotiations "creditor negotiations" "debt settlement", credit improvement, credit repair, creditrepairinaustin.com, debt management, https://www.facebook.com/AustinCreditGroup, northaustincreditrepair.com

LIFE EVENTS WILL AFFECT YOUR CREDIT SCORE (Part 3 — Bankruptcy)

October 14, 2014 by CreditJunkie Leave a Comment

LIFE EVENTS WILL AFFECT YOUR CREDIT SCORE (Part 3 — Bankruptcy); OR HOW TO RECOVER FROM EXCESSIVE DEBT!

The trick is to know what should be in place to maximize the best outcome for all involved.

Serious life events include Divorce, Bankruptcy, Hospitalization, and even Marriage. Medical accounts for half of the collections on credit reports today!

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Posted in: bankruptcy, Credit Help, Credit Restoration / Life Changing Tagged: credit "credit repair" "credit restoration" "credit rebuilding" debt negotiations "creditor negotiations" "debt settlement", credit improvement, credit repair, credit score., debt consolidation, Mortgages, www.austincreditgroup.com

LIFE EVENTS WILL AFFECT YOUR CREDIT SCORE (Part 2 — Divorce)

October 9, 2014 by CreditJunkie Leave a Comment

LIFE EVENTS WILL AFFECT YOUR CREDIT SCORE (Part 2 — Divorce); OR HOW TO DIVORCE WITHOUT RUINING YOUR LIFE!

The trick is to know what should be in place to maximize the best outcome for all involved.

Serious life events include Divorce, Bankruptcy, Hospitalization, and even Marriage. Medical accounts for half of the collections on credit reports today!

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Posted in: bankruptcy, Credit Help, Credit Restoration / Life Changing, divorce, marriage, Personal Credit Tagged: credit "credit repair" "credit restoration" "credit rebuilding" debt negotiations "creditor negotiations" "debt settlement", credit repair, divorce, Interest Rates, lenders, marriage, www.austincreditgroup.com

Credit Report Inquiries — Did you know….

May 2, 2014 by CreditJunkie Leave a Comment

Did you know that more than three Hard Inquiries in a two-year period can serve to hurt your credit score?

There are three kinds of Inquires found on your credit profile (report). These are HARD, Review and Promotional (both are SOFT).

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Posted in: Credit Help, Credit Restoration / Life Changing, Personal Credit Tagged: credit "credit repair" "credit restoration" "credit rebuilding" debt negotiations "creditor negotiations" "debt settlement", credit repair, credit score., creditrepairinaustin.com, https://www.facebook.com/AustinCreditGroup, northaustincreditrepair.com, www.austincreditgroup.com

IS YOUR CREDIT REPAIR FIRM CREATING MORE PROBLEMS?

April 22, 2014 by CreditJunkie Leave a Comment

It’s easy to do! I’m seeing a lot of new clients that have been to my competitors, and I’m finding lots of Disputed Records on their Credit Reports!

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Posted in: Credit Help, Credit Restoration / Life Changing, Personal Credit Tagged: credit "credit repair" "credit restoration" "credit rebuilding" debt negotiations "creditor negotiations" "debt settlement", credit repair, creditrepairinaustin.com, debt management, https://www.facebook.com/AustinCreditGroup, northaustincreditrepair.com, www.austincreditgroup.com
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