ASC Premier Consultants

Did you know there is a 4th Credit Bureau?

You didn't🤔. I figured.

Innovis Data Solutions is a bureau that is quietly kept.

This bureau is used by lenders to pre-screen consumers credit to offer preapproved credit cards and loans.

So if you have negative information on your Innovis report, you will not receive any offers.

However, you can dispute any inaccuracies on this report the same way you dispute inaccuracies on your Transunion, Experian and Equifax report.

Below is the link to access your report:

Identity and Credit Information Solutions | Innovis Innovis provides credit, identity, and authentication solutions designed to manage risk and empower consumers and customers to achieve their financial goals

When you get tired, learn to rest, restart and refocus.

This is an important part of self-care. Sometimes, we try to wear so many hats that we drain our minds and bodies. And we wonder why we are stressed, overwhelmed, tired and anxious. Trust me your kids, family, friends, business, project or whatever your working on will suffer if the person holding everything together is also suffering.

Therefore, it's okay to take time for yourself, so you can operate at your highest level.

When monitoring your credit profile, you may notice your TransUnion, Equifax and Experian credit scores are different and this due to the fact that each bureau obtains and scores data differently.

Here are a few reason for conflicting credit scores ...

▶️ Different Methods for collecting information
▶️ Different partners to obtain data from
▶️ Creditors are not required to report information
▶️ Creditors might inconsistently report information..

So the next time you check your credit don't be alarmed when you see different scores..

Did you know that the credit bureaus operate as private, for profit companies???

Each credit bureau has their own way of collecting credit history data from a variety of sources.

They have access to the credit history of millions of people and they obtain this information from banks, loan companies, retailers lenders and public records...

Falling down is an ACCIDENT, staying down is a CHOICE....

What will you decide???

Who needs a boost in their credit score in as little as 45 days?

Don't all speak at once, you don't want to miss out on this !

Did I mention it was FREE!!

* New Resources available*

Did you know???

Good Morning Future Homeowners...

▶️ Start where you are ...
▶️ Use what you have....
▶️ Do what you can .....

A lot of people think if you just wait your credit will repair itself overtime, unfortunately that is partially true ...

The longer you pay your bills on time after being late, and build positive credit, the more your FICO score should increase.

However the following negative information stays on your credit report for several years ....

▶️ Late Payment -7 years
▶️ Chapter 13 Bankruptcy- 7 years
▶️ Chapter 7 Bankruptcy- 10 years
▶️ Foreclosure- 7 years
▶️ Lawsuits and judgments- 7 years or longer

In general, recent negative information has more of an effect on your credit score than older information.

Big journeys begin with small steps ...