Whats On Your Report?

It is important to stay updated on your credit and whats reported no matter what your situation is!

A few weeks ago my older brother Cameron who is currently in Law School at the University of Arkansas asked me, "Can you show me my credit reports?". I figured it was a joke because he knew that is what I have done all day every day for the last year. Well turns out he wasn't kidding and we did spend an afternoon reviewing his credit report for errors and just to make sure everything was okay.

I always figured that everyone knows to stay on top of their credit and how to do that. Let me offer a few tips of ways to stay on top of your credit.

1. Look at your reports: http://www.annualcreditreport.com/ will allow you to do this for completely free. Do not be tricked into using another site this is the only free one!

2. Review the information: Both positive accounts and negative ones can impact your score.

3. Inquiries: I can never stress the importance of knowing who is accessing your credit.

4. Have Credit Goals: Even if you don't need to fix anything you can usually always improve!

Great suggestion is to review your positive accounts and see in what way you could easily bolster the strength of those accounts.

The thing with credit is they prey on people not knowing what is going on with the system. Be educated when it comes to dealing with your credit. I hope that this blog will in some way either educate or encourage people to be educated.

If you have any questions or comments please feel free and I will try and give you my most educated opinion.

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"Inquiries" Why Does It Matter

What is the definition of an inquiry and what does it matter to the credit conscious consumer?

"CREDIT INQUIRY - An attempt to seek information concerning interest rates and the availability of funds without disclosing your identity, or specifying the need or purpose of the proposed borrowing, or the specifics concerning your creditworthiness."(www.lectlaw.com)

When you take into effect that a credit inquiry can effect up to 10% of your overall credit score you may want to start paying attention. A rule of thumb is to be careful with these inquiries not to accrue more than 4 every two years. If you need to shop for loans, as for a mortgage or some other large sum then try and have the inquiries occur within a 10-14 day period. After seeing thousands of credit reports I can tell you that those who limit their inquiries usually take care of the other aspects of their credit report.

To make it as simple as possible let me illustrate it like this. Imagine you are playing a game similar to 20 Questions. In this game however it is more like 4 Questions or 4 Inquiries.

Use them wisely -which means avoid giving your full name to used car dealers. They seem to have an affection of running your credit to see what mid sized sedan they can squeeze you into.

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Contact Information

Cache Walker
Credit Repair Specialist
Lexington Law Affiliate
Email: credit2buy@gmail.com
Phone: 801-628-7417

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I previously worked for Lexington Law as one of their Senior Paralegals. I was involved directly in the credit repair process. I am now working directly with the companies who need their client’s credit repaired. Lexington offers many services to improve the credit report and score of your client. In many instances this is the difference of having a client be able to purchase your product.

I am located in Fayetteville and am more then willing to answer questions or even insights into general credit repair techniques. Please know that none of the services Lexington Law offers cost anything to you as the credit provider. We simply will be helping to expand your credit worthy clientele.

Please feel free to contact me with questions or have a client contact me directly. I will always direct the client back to you and your services once they are credit worthy. There is no cost to you or timely follow up.

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About My Service

Cache Walker
Lexington Law Affiliate
Affiliate # 13912
Credit Repair Advisor
Phone: 801-628-7417
Email: credit2buy@gmail.com

Quick easy steps to help you have more clients credit eligible. At no cost to you, I can help non qualified consumers become credit worthy.

Areas of Focus
Car Loan Qualification
Mortgage Approval
Real Estate Lease Approvals
General Credit Problems

I can help you obtain a larger clientele simply by aiding your customers to have the scores and reports they need. I can keep track of each clients case and let them know when they are credit ready. They will then return to you for whatever service you offer. No money spent by you or time invested.

I have previously been a paralegal with Lexington Law and have in-depth knowledge of their credit repair service. Even if clients decide not to go with Lexington’s service I can still give them free credit pointers. I am bilingual in Spanish and English to aid your clients. Feel free to give your clients my contact information or contact me directly.

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