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!
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.
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
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.
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. 
