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.
Are you getting a tax refund? Are you in the market to purchase a home this year? Before you start putting your own plan together, call us first. We utilitze a software program that will tell you exactly what you should do and the points gained by sticking to our plan. Make sure you check us out at UtahCreditCoach.com
Settled a debt? You may have to count it as income
Have you recently settled on a credit card debt?
Did the creditor not mention the tax notice you’ll be receiving for the cancellation of debt? Did you know that the U.S. Internal Revenue Service considers forgiven or canceled debt as an additional source of income?
Debt collectors and creditors who agree to accept at least $600 less than the original balance are required by law to file a 1099-c form with the IRS. Tax payers have to report the “income” on their federal income tax returns. While consumers may say “but they never told me,” the collectors and creditors will say they are not lawyers or accountants and that is not their job to notify you of tax ramifications.
One good note is that a small percentage of the taxpayers who receive a 1099-c may qualify for one of several exclusions that will allow them to reduce the amount of taxable income from the settled debts. Homeowners who default on mortgage loans may also receive a 1099-c form. Make sure you consult an attorney and tax advisor/accountant before you go into a settlement or cancellation agreement. Make sure you open all your mail and if you don’t know what something is, call and ask. This is one piece of paper you do not want to throw away.
For more credit help or to see if you qualify for a home please contact us at http://UtahCreditCoach.com
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.
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. 
