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Where do you want to be in 5 years? 10 years? What about right now?

What if you could have the benefits of a traditional business career, but without someone else controlling your income, hours, partners and overall job security? Maybe you’re comfortable in your job, but would like to increase your opportunities and income without trying to balance the multiple schedules created for you. Technology is continuing to advance, the business world is rapidly changing and you can take advantage of it. Take control of the possibilities. Enjoy what you do. Welcome to Financial Education Services.

Tips & Techniques
Steps you can take to maximize your credit file during and after credit restoration:

Pay your bills on time

Because your payment history makes up approximately 35% of your credit score, a strong record of on-time payments is key. One missed payment could lower your score significantly. Stay on top of your credit card, loan, and utility bill deadlines, making at least the minimum payments.

Consejos y técnicas
Pasos que puede seguir para maximizar su archivo de crédito durante y después de la restauración del crédito:

Pague sus facturas a tiempo

Debido a que su historial de pagos representa aproximadamente el 35% de su puntaje crediticio, un historial sólido de pagos a tiempo es clave. Un pago no realizado podría reducir significativamente su puntaje. Manténgase al tanto de las fechas límite de su tarjeta de crédito, préstamo y facturas de servicios públicos, haciendo al menos los pagos mínimos.

Credit Tips & Techniques...

Limit the amount of new credit you apply for
Each time you apply for a new loan or a new credit card, your score drops. This is because it has been statistically proven that those acquiring more credit are a bigger lending risk than those who are not. The credit scoring programs are designed to distinguish rate shopping from opening new credit. If you are shopping for a mortgage or loan, do it in a short, focused amount of time. If you request a copy of your own credit report, or if creditors are monitoring your account or looking at credit reports to make prescreened credit offers, these inquiries about your credit history are not counted as applications for credit.

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Tip if the day! 💯

Here are the top five things that you look for in regards to credit: Tip #1 Credit Score.

You want to have at least a 580 credit score in order to be able to qualify for a loan.

Tip #2 Payment History

We need to be able to show proof of at least 12 months of you making on-time payments and not having any late payments in the last 12 months.

Tip #3 Liens and Judgments

Of course we don’t want to see any liens or judgments. We just don’t
want to see something we can’t overcome.

Tip #4 Bankruptcies, Short Sales, Foreclosures, Deed in Lieu

These are all things that do have a time period in which we have to wait to be able to overcome them.

Tip #5 Collection Accounts

We don’t want to have any collection accounts and the total of collection accounts cannot exceed two thousand dollars. This is not take into consideration medical collection accounts. Every loan program does have a different threshold.

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