UtahCreditCoach uses a unique software program we call "Home Sweet Home." The program guides you, step by step through the process, coaching you to reach your credit goals. Once you are enrolled, you are able to log into the system, anytime, anywhere and work towards improving your credit scores. REGISTER HERE FOR A FREE, PRIVATE CONSULTATION!
Ten Steps to a Better Credit Score: Step 7 Look at how long you’ve had credit established….
As you start paying down your debt and working on your credit scores make sure you DO NOT Close your revolving credit lines. Revolving credit lines closing and lack of revolving credit (with low balances) will lower your scores drastically and by an alarming rate.
It takes a disciplined person to have revolving credit without using up the credit allowed. By having revolving credit, a good payment history, keeping the useage amounts under 20% of credit limit it will help your score. Keeping the line open will also build the length of credit history and types of credit. All of this adds up to 90% of your credit score.
Now you can see why its essential to keep the good lines open with the balances low.
30 points in 90 days!!! Yes this person is very happy! So Whats Stopping You? Whats holding you back?
Is it the fear of seeing where your scores at?
Is it that you are fearful of meeting with a credit coach and going over your credit report?
Is it that you fear the commitment?
Are you afraid of having to take that first step and changing how you handle your credit score?
It can’t be the cost, $89 dollars for a whole year of credit coaching and having a tri-merge lender credit report rescored every 90 days for a year. UtahCreditCoach What a bargain. Coaching and customized plans just for you.
I promise its not scary. Take that first step! Sign up now, Tax refunds will be on there way soon. Make sure you spend them wisely with a plan on how to improve your credit and the steps to take so you can work on improving your credit score and getting into your dream home.
Are you just plain tired! Tired of bad credit! Tired of low credit scores! Tired of not knowing what steps to take? We have the answer!!! Try us out, proven results, our system removes all the guess work and gives you a detailed plan of what to do and why.
Credit card debt, left unchecked, can pile up quickly. Especially for debtors making minimum payments.
According to the Federal Reserve, a credit card balance of $5,000 at 23.99 percent APR won’t pay off for 16,127 years. That’s one reason why it’s important to manage your credit card rates, and renegotiate them whenever possible.
In this 4-minute piece from NBC’s The Today Show, you’ll learn the tested tactics that can cut a credit card rate, and get monthly payments to a more manageable range. And it’s do-it-yourself — no debt management firms required.
Some of the tips in the video include:
Compare your current rate to the rate offered to new customers. Ask the lender for “new customer rate” if it’s lower.
If your credit score has improved since application, ask for an interest rate more reflective of your current credit score.
Be nice to the customer service representative. Kindness helps.
Managing debt is an important part of household budgeting so if you’re finding your credit card payments and/or rates too high for your liking, try following the instructions as described in the video. And, above all else, be persistent. The credit card companies won’t likely approve your first request.
Holiday Spending hits record levels this holiday season. During the period October 31 to December 24, U.S. consumers spent an estimated $36.4 billion, a 15.4% year-on-year increase over the 2009 holiday season.
Does that make your stomach flip? Are you scared to open your credit card bills this month?
Its time to take control.
Enroll in the Home Sweet Home program at UtahCreditCoach.com
UtahCreditCoach.com #2 question asked: How Does Your Coaching System work….will you do the work for me? For More Information check us out at UtahCreditCoach.com If you would like a private consultation click on the link and fill out the form.
Want to buy a home or refinance your current mortgage? Think twice about how you shop this holiday season.
OK everyone. Stop what you’re doing and think again. Before you head out for Black Fridays “deals” or cyber Saturday’s online deals make sure you have the cash to purchase everything and a list to stick to. You may ruin your credit score and any loan or refinance you have in the works if you raise your debt ratios or open a store card. That store card and its “10% off” may be the difference between owning your dream home and continuing to rent.
Ten Steps to a Better Credit Score: Step 6. Authorized User.
Do you know if you are an authorized user on a credit card? Do you know that this could be hurting your credit score, not helping it. Do not assume that being an authorized user will benefit your score. Some things to consider, Does the user of the card run a high balance? Do they pay their payments on time? Have they been late in the past? There are a lot of things to consider. Proceed with caution. That’s why our program works. We are the only credit program out there that uses credit mortgage scores. This allows us to run real scenarios to see what will help your score and what will hurt your score. To find out more, give us a call or send us an email. www.UtahCreditCoach.com
I highly recommend “Home Sweet Home” Credit Coaching Services as part of “Josh Mettles Lending Team” and here is why:
I’m a full-time Real Estate Agent and like many buyers was looking to buy a home in this fantastic buyers market. I put in an offer on a short sale home, filled out a loan application with Josh, and had him pull my credit. I found out my mid-credit score was 649. I was stunned! I hadn’t had a late payment since 2007 and thought my credit was better. I really wanted to make sure I qualified for the best interest rate known to man (with interest rates currently around 4%) and with my score at 649 that wouldn’t do. Josh told me I needed my mid-credit score to be atleast 680 to qualify for this best interest rate. I knew getting my score to this 680 level would save me ttens of thousands in interest over the long haul of my loan. So, I hired “Home Sweet Home” and they sat me down and I went over everything I could possibly do to quickly bump up my score. Immediately, I did everything they asked and in 45 days I found my mid-credit score went up 48 points from 649 to a wopping 697. I am now over the hump and will save tens of thousands on my home loan. I will continue to recommend “Home Sweet Home” and “Josh Mettle Lending Team” to all my clients whom I work with that are in need of higher credit. Thanks “Home Sweet Home” and Josh Mettle Lending Team!” ~ Dave G.
Do you know if you are an authorized user on a credit card? Do you know that this could be hurting your credit score, not helping it. Do not assume that being an authorized user will benefit your score. Some things to consider, Does the user of the card run a high balance? Do they pay their payments on time? Have they been late in the past? There are a lot of things to consider. Proceed with caution. That’s why our program works. We are the only credit program out there that uses credit mortgage scores. This allows us to run real scenarios to see what will help your score and what will hurt your score. To find out more, give us a call or send us an email. 
