Credit Master’s Tip #8 – I am still working on #7 which is about those soul-sucking inquiries ( btw I am super dramatic because they have got you concerned about an imaginary issue while you overlook some really important ones because the confused are easily misled)....read more
Credit advice from the internet, people who are making money if you can raise your scores and buy something from them or get a loan from them and those helpful friends, relatives, and coworkers that know someone who knows someone: Leave them alone. I heard paying off...read more
Credit Master’s Tip #5 – How do you know what you don’t know? How do you save money on every home, auto and business loan even when you are pre-approved already?
Start asking better questions to the right people. Spend a little extra time making sure you get the best deal, interest rate, and terms. Here is why? 1. How did a successful small businessman save $706.52 per month or $42,391.20 over five years? By going from...read more
Don’t be surprised if the person you are dealing with isn’t very good at their job / you can’t buy a straight answer from anyone when it comes to credit, credit scores, debt settlement, collections, credit reporting.
I feel like starting this article out like this is some joke, but it’s not. A teacher, firefighter, police officer, and a farmer pick up the phone looking for straight answers about their credit so they can buy a house. There are no straight answers to be found. They...read more
I love teaching this class. It is not lost on me that some in my class wish they were anywhere but sitting in my class listening to me geek out on student loan rehab. But there are some who want to be there. The folks in my class ask really good questions and some are...read more
Credit Master’s Tip #4 I teach credit, credit scoring, credit recovery, debt settlement, credit management, advanced consumer finance, and small business banking. I have for years. I teach classes on those topics for the Tennessee Department of Corrections, Battered...read more
Credit Master’s Tip #3 – Stop getting high-interest loans for building credit’s sake, or for any reason as far as that goes.
Credit Master’s Tip #3 – Stop getting high-interest loans for building credit’s sake, or for any reason as far as that goes. There are way better and way cheaper score building loans that are easy to get. Your credit score gets dinged for having consumer finance...read more
You need three pieces of open credit for FHA, VA or USDA Rural Housing mortgages. Build the perfect credit profile and pay less than $5 per month in interest and have local customer service. It’s not a debt derby. Get local, score building credit. It is not hard. If...read more
Credit repair is a terrible idea and junk score sites are intentionally misleading. Get a credit education that doesn’t have an agenda attached to it.
My new client’s son was shot and killed three weeks ago. His son died in the bad neighborhood he has been trying to get out of for the last several years. He has spent thousands on credit repair’s promises. My new friend didn’t know that paying someone to write...read more
Tip #1 Get good credit first. Good credit adds points bad credit takes points. Your credit profile adds points and takes points in the same motion. Create a credit profile that adds more points than points are being taken away. Then start attacking your collections...read more