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!
Credit Card useage rose after a 27 month decline in balances.
Consumers beware the increase in your balances will affect your credit score. Credit Useage accounts for 30% of your credit score. When balances increase so do your monthly payments. This may affect your debt to income ratio when you go to qualify for a home.
If you are in the process of purchasing a home, do not increase your credit card debt. You would be surprised how as little as a $5 charge can affect your score and make the difference between the better interest rate or even qualifying for your loan.
for all your credit needs visit http://www.UtahCreditCoach.com
Consumer Debt rose for the first time since 2008. Credit card offers are starting to arrive in the mail, consumer confidence is up and credit card charge-off’s are down.
Increased credit card debt will change your credit score and may effect your ability to qualify for a home loan. Consumer beware, don’t fall back into your old habits.
With income tax returns arriving, make sure you’re making the correct choices on what to pay down. Visit http://UtahCreditCoach.com for more information. Interested in improving your credit score and what steps you need to take? Request a free consultation. Hope to hear from you soon.
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.
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.
Did you charge all your holiday spending on your credit cards? Are your cards maxed out? Are you cringing at the thought of opening up your January Credit Card statements? If you are currently in the process of buying a home or want to buy a home in 2011 we need to get your credit score in order, check us out, 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.
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
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. 
