Prime Standard

Prime Standard

Prime Standard offers credit and equity restoration services, helping people get their credit back on track so they can focus on achieving their goals.

Prime Standard offers effective and efficient credit and equity restoration services, helping people repair their credit to help them make strides towards their personal financial goals, whether they are to purchase a car or own their home. With aggressive strategies and conventional dispute methods, we maximize results through years of experience. When you choose Prime Standard, we support you ev

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03/12/2018

Things You Didn't Know Could Affect Your Credit

Closing Out a Credit Card

On the other side of the spectrum, believe it or not, even closing an old credit card can affect your score negatively. There are a couple of reasons this is the case.

For one thing, your credit utilization affects your score-- in other words, having a high credit limit and using just a small amount of it is better than having a low limit and using all of it. When you close a credit card, that lowers the amount of total credit you have, which affects that ratio.
Another thing that impacts your score? Your credit age. That means, if you're closing your oldest credit card, your credit age will be a bit younger, potentially reducing your score.

We can provide you with a FREE Credit analysis from all 3 major national credit reporting bureaus It doesn't hurt to know. Take the first step in improving your credit score! Contact us today.
Email: [email protected]
Phone: (844) 937-7463
Website: http://primestandard.com/
#creditrepair #improvecredit #creditscore #loans #homes #auto

03/04/2018

The Importance of Credit Cards

Business Creation

Capital for business formation can be hard to come by for entrepreneurs looking to get a new business off the ground or expand an existing one. For small businesses, credit cards represent an important financial lifeline when traditional funding sources, such as small-business loans, aren’t available. Credit cards help businesses financially, and they also have a positive impact on small-business employment growth.

We can provide you with a FREE Credit analysis from all 3 major national credit reporting bureaus It doesn't hurt to know. Take the first step in improving your credit score! Contact us today.
Email: [email protected]
Phone: (844) 937-7463
Website: http://primestandard.com/
#creditrepair #improvecredit #creditscore #loans #homes #auto

02/23/2018

Biggest Mistakes You Can Make With Your Credit?

Ignoring your credit report
Your credit report is a summary of the information that impacts your credit scores, and if there’s bad stuff on your credit report, that usually translates to a bad score. Smart consumers check their credit report regularly. Doing so allows you to identify problems in the way you use credit (such as late payments or high balances), correct anything that isn’t accurate, and even spot signs of identity theft, such as accounts or applications you don’t recognize.

We can provide you with a FREE Credit analysis from all 3 major national credit reporting bureaus It doesn't hurt to know. Take the first step in improving your credit score! Contact us today.
Email: [email protected]
Phone: (844) 937-7463
Website: http://primestandard.com/
#creditrepair #improvecredit #creditscore #loans #homes #auto

02/18/2018

The Importance Of Your Credit Rating

Never ignore overdue bills. If you encounter any problems repaying your debt, call your creditor to make repayment arrangements. If you tell them you are having difficulty, they may be flexible.

We can provide you with a FREE Credit analysis from all 3 major national credit reporting bureaus It doesn't hurt to know. Take the first step in improving your credit score! Contact us today.
Email: [email protected]
Phone: (844) 937-7463
Website: http://primestandard.com/
#creditrepair #improvecredit #creditscore #loans #homes #auto

02/09/2018

Major Credit Card Mistakes

Say “No” to Cash Advances

Credit card companies employ tactics such as sending you checks in the mail as often as once a week and encouraging you to use them to pay bills or treat yourself to something nice, but only in the fine print do they mention that these checks are considered a cash advance.

The main reason why taking a cash advance is such a bad idea is that you start accruing interest the minute you take the advance – unlike with regular credit card purchases, there is often no grace period. you're also charged an automatic fee, usually around 2 to 4%, on the amount of the cash advance in addition to a higher interest rate than what you're paying on the rest of your credit card balance. To add insult to injury, the credit card company often won't consider the cash advance to be paid off until you've paid off your balance for your other purchases.

The best thing to do with these checks is to shred them as soon as you receive them. This way, you'll avoid the temptation to use them and prevent would-be identity thieves from snagging them out of your trash. Many credit cards will also send you a PIN number shortly after you sign up for a card so that you can use your credit card to get cash from an ATM. Shred that PIN number, too – cash advances are a terrible deal for consumers.

We can provide you with a FREE Credit analysis from all 3 major national credit reporting bureaus It doesn't hurt to know. Take the first step in improving your credit score! Contact us today.
Email: [email protected]
Phone: (844) 937-7463
Website: http://primestandard.com/
#creditrepair #improvecredit #creditscore #loans #homes #auto

02/02/2018

What Are the Biggest Mistakes You Can Make With Your Credit?

There’s nothing wrong with living debt-free if you can manage it. Some people, though, not only have zero debt, they don’t have any credit accounts at all – not even a credit card. They may be shocked when they’re turned down for a home, car or another loan because they have no credit history established. Lenders check your credit to see whether you can be counted on to repay the money you borrow. If you’ve never borrowed money before, they’ve got nothing to go on. This isn’t about the system “wanting” you to get into debt; it’s about demonstrating that you can be trusted with paying back the money you borrow.

We can provide you with a FREE Credit analysis from all 3 major national credit reporting bureaus It doesn't hurt to know. Take the first step in improving your credit score! Contact us today.
Email: [email protected]
Phone: (844) 937-7463
Website: http://primestandard.com/
#creditrepair #improvecredit #creditscore #loans #homes #auto

01/26/2018

Ways To Improve Your Credit Report

Hold on to Older Cards

Having a long history of reliable payments is a good indicator that you are a responsible credit user. If you have too many credit cards and decide to close a few accounts, close the newest ones first. And be sure to use your older cards periodically to keep your account looking active.

We can provide you with a FREE Credit analysis from all 3 major national credit reporting bureaus It doesn't hurt to know. Take the first step in improving your credit score! Contact us today.
Email: [email protected]
Phone: (844) 937-7463
Website: http://primestandard.com/
#creditrepair #improvecredit #creditscore #loans #homes #auto

01/20/2018

Ways To Make Your Credit Card Work For You

Pay Your Balance With Points

If you have a card with cash rewards or your points can go towards a wide variety of nice merchandise, say no to spending those rewards. Most rewards cards will allow you to put your rewards points towards your balance. This increases the value of the rewards points because they are not only paying down the debt but they're also reducing your interest burden. Don't use your points to purchase more stuff. Make those points work for you by paying off debt.

We can provide you with a FREE Credit analysis from all 3 major national credit reporting bureaus It doesn't hurt to know. Take the first step in improving your credit score! Contact us today.
Email: [email protected]
Phone: (844) 937-7463
Website: http://primestandard.com/
#creditrepair #improvecredit #creditscore #loans #homes #auto

01/13/2018

What Are the Biggest Mistakes You Can Make With Your Credit?

Your credit report is a summary of the information that impacts your credit scores, and if there’s bad stuff on your credit report, that usually translates to a bad score. Smart consumers check their credit report regularly. Doing so allows you to identify problems in the way you use credit (such as late payments or high balances), correct anything that isn’t accurate, and even spot signs of identity theft, such as accounts or applications you don’t recognize.

We can provide you with a FREE Credit analysis from all 3 major national credit reporting bureaus It doesn't hurt to know. Take the first step in improving your credit score! Contact us today.
Email: [email protected]
Phone: (844) 937-7463
Website: http://primestandard.com/
#creditrepair #improvecredit #creditscore #loans #homes #auto

01/07/2018

Paying your bills on time is the most important contributor to a good credit score. Even if the debt you owe is a small amount, it is crucial that you make payments on time. In addition, you should:
Minimize outstanding debt
Avoid overextending yourself
Refrain from applying for credit needlessly

We can provide you with a FREE Credit analysis from all 3 major national credit reporting bureaus It doesn't hurt to know. Take the first step in improving your credit score! Contact us today.
Email: [email protected]
Phone: (844) 937-7463
Website: http://primestandard.com/
#creditrepair #improvecredit #creditscore #loans #homes #auto

12/31/2017
12/24/2017
12/16/2017

Ways to access your official FICO score free of charge. Looking at your credit score does not affect your credit, by the way.

Student loans

Borrowers and co-signers of Sallie Mae Smart Option undergraduate student loans can see their FICO scores quarterly.

We can provide you with a FREE Credit analysis from all 3 major national credit reporting bureaus It doesn't hurt to know. Take the first step in improving your credit score! Contact us today.
Email: [email protected]
Phone: (844) 937-7463
Website: http://primestandard.com/
#creditrepair #improvecredit #creditscore #loans #homes #auto

12/09/2017

Bad credit can prevent you from being able to purchase a home, work in certain industries, and will wind up costing you a bundle in higher interest rates and fees. However, if you understand what hurts your credit score, you can make an effort to fix bad habits and improve your credit rating.

We can provide you with a FREE Credit analysis from all 3 major national credit reporting bureaus It doesn't hurt to know. Take the first step in improving your credit score! Contact us today.
Email: [email protected]
Phone: (844) 937-7463
Website: http://primestandard.com/
#creditrepair #improvecredit #creditscore #loans #homes #auto

12/01/2017

Maxing Out Cards

A big part of your credit score is what folks in the credit business call your utilization ratio, or credit usage. That’s the calculation of how much of your available credit you’re using. For example, if your credit cards have a combined credit limit of $5,000 and a combined outstanding balance of $1,000, your credit utilization ratio is 20%. The lower the ratio, the better. Even if you’re making your payments on time, a high ratio is a red flag. For one thing, maxed-out or nearly maxed-out accounts suggest you may be living beyond your means. For another, high balances limit your availability to draw on credit in an emergency, which means an unexpected expense could push you over the edge or cause you to fall behind on making payments.

We can provide you with a FREE Credit analysis from all 3 major national credit reporting bureaus It doesn't hurt to know. Take the first step in improving your credit score! Contact us today.
Email: [email protected]
Phone: (844) 937-7463
Website: http://primestandard.com/
#creditrepair #improvecredit #creditscore #loans #homes #auto

11/25/2017

Mistake You Can Make With Your Credit.

Just because you’re paying bills doesn’t necessarily mean you’re getting much closer to paying off your debt. If you have a $2,000 balance on a credit card with an interest rate of 15 percent and only make your $30 minimum monthly payments, it will take you more than 11 years to pay off the debt. You’ll also pay nearly $4,200 – paying more in interest than the original amount borrowed. And that’s if you don’t put anything else on the card. Paying only the minimum doesn’t do much to get you out of debt, lower your balances or improve your utilization ratio.

We can provide you with a FREE Credit analysis from all 3 major national credit reporting bureaus It doesn't hurt to know. Take the first step in improving your credit score! Contact us today.
Email: [email protected]
Phone: (844) 937-7463
Website: http://primestandard.com/
#creditrepair #improvecredit #creditscore #loans #homes #auto

11/22/2017
11/20/2017

Ways to access your official FICO score free of charge. Looking at your credit score does not affect your credit, by the way.

Credit cards

Some financial institutions offer their credit-card holders a look at their FICO scores for free, such as by cardholders checking their accounts online.

We can provide you with a FREE Credit analysis from all 3 major national credit reporting bureaus It doesn't hurt to know. Take the first step in improving your credit score! Contact us today.
Email: [email protected]
Phone: (844) 937-7463
Website: http://primestandard.com/
#creditrepair #improvecredit #creditscore #loans #homes #auto

11/10/2017

Use the credit card as a budgeting tool.

If you’re confident you can use a credit card responsibly and pay off the balance every month, try using it as a budgeting tool. By making all of your purchases with your credit card, you can see exactly how much you’ve spent at the end of the month. Of course, you should only do this if you know you can pay off the balance each month. To make sure your credit card spending doesn’t get out of hand, never charge more to your card than you have in your bank account.

We can provide you with a FREE Credit analysis from all 3 major national credit reporting bureaus It doesn't hurt to know. Take the first step in improving your credit score! Contact us today.
Email: [email protected]
Phone: (844) 937-7463
Website: http://primestandard.com/
#creditrepair #improvecredit #creditscore #loans #homes #auto

11/04/2017

Take These Steps to Improve Your Credit Score

Paying your bills on time is the most important contributor to a good credit score. Even if the debt you owe is a small amount, it is crucial that you make payments on time. In addition, you should:
Minimize outstanding debt
Avoid overextending yourself
Refrain from applying for credit needlessly

We can provide you with a FREE Credit analysis from all 3 major national credit reporting bureaus It doesn't hurt to know. Take the first step in improving your credit score! Contact us today.
Email: [email protected]
Phone: (844) 937-7463
Website: http://primestandard.com/
#creditrepair #improvecredit #creditscore #loans #homes #auto

10/31/2017
10/29/2017

Credit counselors

Clients of consumer credit counseling services are entitled to receive their FICO scores for free, according to Consumer Reports. Offering credits scores enables credit counselors to better help their clients improve their financial situations.

We can provide you with a FREE Credit analysis from all 3 major national credit reporting bureaus It doesn't hurt to know. Take the first step in improving your credit score! Contact us today.
Email: [email protected]
Phone: (844) 937-7463
Website: http://primestandard.com/
#creditrepair #improvecredit #creditscore #loans #homes #auto

10/21/2017

Major Credit Card Mistakes

Avoid Using Your Credit Card as a Cure for Medical Bills

Medical bills can be overwhelmingly expensive, especially if you're uninsured. If you're having trouble paying your medical bills, negotiate an agreement with the hospital or other company to whom you owe money. Don't add to your bills and your stress by tacking exorbitant credit card interest rates onto them. You should also consider going over your bills with a fine-toothed comb to make sure they are accurate and that you understand all of the charges.

We can provide you with a FREE Credit analysis from all 3 major national credit reporting bureaus It doesn't hurt to know. Take the first step in improving your credit score! Contact us today.
Email: [email protected]
Phone: (844) 937-7463
Website: http://primestandard.com/
#creditrepair #improvecredit #creditscore #loans #homes #auto

10/15/2017

Look at your available credit

Closing a credit card also will impact the percentage of available credit you have access to. This is known as your credit utilization ratio, and it’s another contributing factor that goes into computing your score. Generally speaking, the more credit you have access to and the less you use it, the better it is for your score.

We can provide you with a FREE Credit analysis from all 3 major national credit reporting bureaus It doesn't hurt to know. Take the first step in improving your credit score! Contact us today.
Email: [email protected]
Phone: (844) 937-7463
Website: http://primestandard.com/
#creditrepair #improvecredit #creditscore #loans #homes #auto

10/07/2017

Increases Your Rewards

If you consistently pay off your balance in full and on time but you're not putting all of your expenses on your credit card, it might be time to start. Having a higher credit limit can help you do that. The conventional wisdom says that you shouldn't charge everyday expenses like groceries and gas to your credit card, but that advice only applies if you're carrying a balance - it's designed to help you avoid making a bad problem worse.
If you never carry a credit card balance, paying for recurring expenses on your credit cards won't cost you anything and can help you earn more rewards. Those rewards can actually reduce your spending in other areas by helping you pay for vacations, gifts, clothes and nights out.

We can provide you with a FREE Credit analysis from all 3 major national credit reporting bureaus It doesn't hurt to know. Take the first step in improving your credit score! Contact us today.
Email: [email protected]
Phone: (844) 937-7463
Website: http://primestandard.com/
#creditrepair #improvecredit #creditscore #loans #homes #auto

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Personalized Credit Restoration not Computerized. You deal directly with a Nationally Recognized Credit Expert, Speaker, Author, and Credit Coach.