The courses, training opportunities, and materials, as well as instructions, are intended for educational purposes. They are neither designed to give legal advice nor take the place of appropriate legal, professional, or medical consultation. As laws vary from State to State and from, Country/Providence to Country /Province, participants are advised to discuss any specific question(s) with the proper authority (ies). The purpose of this information is to equip learners to more fully understand the needs of individuals, and to be able to offer motivational, inspirational, and supportive information.


Credit score knoweldge

Want to improve your credit score? The first step is to understand all the factors that can cause big moves to your score. Here are some tips to follow that will help you increase your credit score and keep it healthy.

1. Payment History / Very High Impact
Whatever you do, try to avoid making a late payment. The primary point of a credit score is to give lenders a way to assess your ability to pay back a loan. A single missed payment will hit your credit score and hit it hard. If you know you absolutely cannot make a payment, see if you can work out a solution with the creditor before the bill is due. Sometimes a lender may work with you to find a solution. See your payment history.

2. Age of Credit / High Impact
Start building credit early because the longer you have a credit history, the better your credit score generally is. After all, the age of credit is one of the major factors. To maintain your credit’s age, keep your oldest credit account open. Even if it isn’t being used, this card will act as a counterbalance to any new credit cards or credit accounts you open by keeping your average account age higher. See the age of your credit history.

3. Utilization / High Impact
Consumers with the best credit scores have generally less than 10 percent credit utilization. Keep this as your ideal goal. For example, if your credit card's limit is $5,000, don’t put more than $500 on that particular card. Once you reach $500, you should stop spending, start making purchases on a different card, or start paying cash.

4. Negative Marks / Medium Impact
Problem accounts show up as either delinquent or derogatory on your credit report. Delinquent accounts are usually past due, while derogatory accounts may have a more serious mark against them, such as a bankruptcy or a foreclosure. Either way, lenders don't like to see these on your report, so do whatever you can to keep your accounts in good standing. See if you have any negative marks.

5. Credit Inquiries / Low Impact
Be sure to clarify if your credit score will be subject to a soft inquiry or hard inquiry before you submit your information for credit. Soft credit checks are pretty common and occur when a person or company checks your credit report as part of a background check. This has no effect on your credit in any way. Hard credit checks can lower your credit score a few points. These are commonly done when you finalize an application for a loan, credit card, or mortgage, and the lender needs to check your full credit report before making a lending decision. See your recent credit inquiries.

Below is how you will look up your credit and later on this year, we will show you how to eliminate it altogether.

GO TO www.annualcreditreport.com
Get your annual credit report free that’s entitled to every single person who has a credit profile
This will take about 10 minutes. Make sure you have all your personal info handy and be ready to fill out info forms to request all three credit reports.
Again this is free if this is your first time receiving your annual credit report this year.
If this site does not allow you to get your report free don’t worry you have a backup plan and option.
Go to: www.creditchecktotal.com
And pay $1 for all three credit reports.
The number one reason people have bad credit is that they don’t know what’s on their report and due to inaccuracies file by creditors.
Please review your report! Now it’s time to work.
It doesn’t cost anything to dispute mistakes or outdated items on your credit report. Both the credit reporting company and the information provider (the person, company, or organization that provides information about you to a credit reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights, contact both the credit reporting company and the information provider.

Are you ready to live the life in Financial Freedom, the way God intended?


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Comment by Domonique Smith on March 19, 2019 at 12:29pm

I already know my credit score 

Comment by Domonique Smith on March 19, 2019 at 2:13am

Ne'eman yes i am ready i need good credit to buy a home. So this is perfect right on time.

Comment by Eagle Eye Prophetess Lapresha on February 13, 2018 at 12:47pm

I have seen my credit Score and it is a 565 that's for right now the credit people tell me that I need to use more of my credit because I don't use it at all 

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