CreditJunkie

Finance

Credit Health – Rules about Credit Cards

October 29, 2018 by CreditJunkie Leave a Comment

We offer counseling and education that is specific to your situation. We have been successful at getting some old Charged-Off debt eliminated and significantly raise our client’s credit scores. For example, and to give those with credit card debt an understanding of the impact carrying a balance can have on your credit scores, we offer this One minute-twenty second video about the rules on credit cards.

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Posted in: 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 score., debt management, Finance

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

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

Financially Well Off — Are you Credit Poor?

November 24, 2014 by CreditJunkie Leave a Comment

Financial Services Professional — consider asking your clients if they have an idea of where their credit scores are, because credit scores are a consideration in the pricing of premiums on home and auto insurance. Your clients could be trowing away money!

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Posted in: Credit Help, Personal Credit Tagged: credit improvement, Finance, https://www.facebook.com/AustinCreditGroup, www.austincreditgroup.com

LIFE EVENTS WILL AFFECT YOUR CREDIT SCORE (Part 1 — Marriage)

October 6, 2014 by CreditJunkie Leave a Comment

LIFE EVENTS WILL AFFECT YOUR CREDIT SCORE (Part 1 — Marriage)

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 Tagged: Credit (Finance), credit improvement, credit score., divorce, Finance, Interest Rates, lenders, marriage, Mortgages, www.austincreditgroup.com

Divorce and Credit

April 10, 2013 by CreditJunkie 4 Comments

I have seen many clients within a few years of a Divorce. They all have something in common. In one in particular case, only $16,000 of $480,000 was under the client’s direct control….

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Posted in: Credit Help, Credit Restoration / Life Changing, Medical Collection Accounts / Credit Reports, Personal Credit Tagged: credit improvement, credit repair, creditrepairinaustin.com, Finance, https://www.facebook.com/AustinCreditGroup, northaustincreditrepair.com, roundrockcreditrepair.com, www.austincreditgroup.com

NEW Credit Card Check-Out Fees

January 28, 2013 by CreditJunkie 5 Comments

You might want to think twice before whipping out your credit card. As of Sunday, stores in most states could start charging you a “checkout fee” when you pay for something with plastic.

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Posted in: Credit Help, Credit Unions / Banks, Personal Credit Tagged: austincreditgroup.com, credit improvement, credit repair, debt management, Finance, northaustincreditrepair.com, roundrockcreditrepair.com

You’ve got a Great credit score, right? But, perhaps not so very much.

January 24, 2013 by CreditJunkie 4 Comments

You’ve got a Great credit score, right? But, perhaps not so very much. For example, a 790 could mean your credit is excellent or just mediocre. The times they are a changing. . .for example, while a FICO score of 790 out of 850 is considered excellent, it’s merely mediocre on the VantageScore model — which tops out at 990.

Related: Most Under Appreciated Personal Credit Score Killers

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Posted in: Credit Help Tagged: austincreditgroup.com, credit improvement, credit repair, credit score., creditrepairinaustin.com, Finance

Business Credit — Why bother?

January 12, 2013 by CreditJunkie 4 Comments

A business should work at establishing business credit from the get go! Why, you may ask? Simply put, to extend your ability and provide options to grow your business when opportunities present themselves that your business’ cash flow cannot support.  There is also the un-spoken rule in business that when you can make the numbers … [Read more…]

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Posted in: Business Credit, Credit Help Tagged: austincreditgroup.com, Banking, Commercial lending, Credit, credit improvement, creditrepairinaustin.com, Finance, www.austincreditgroup.com

H.R.2086 / S.2149 Medical Debt Responsibility Act of 2011/2012

June 5, 2012 by CreditJunkie 2 Comments

A letter I have sent to my Representatives in Washington D.C. Find Yours Here: http://www.usa.gov/Contact/Elected.shtml I encourage you to do the same to keep medical debt collectors from scaring your credit score now or in the future. *****  Letter  ***** I am sure that you are aware that Medical Debt affects about 73,000,000 consumers in … [Read more…]

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Posted in: Credit Help, Credit Restoration / Life Changing, Medical Collection Accounts / Credit Reports Tagged: Banking, Credit, Finance, H.R 2086, Interest Rates, Mortgages, S.2149, www.austincreditgroup.com

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