Hello, my name is Tim J Thrift Certified Credit Consultant and Qualified Field Trainer of United Credit Education Services.
Benefits
Your credit score is the most important number in your financial life as well as the most influential one. The higher your credit score, the more financial opportunities you will have. A higher credit score will bring:
Better rates on mortgages and refinances
No or low interest on credit cards
Lower rates on car loans
Better rates on insurance
Positive results for job screenings
Service Features
You will receive regular updates on the progress of your file, reflecting any deletions, additions or alteration
Our interactive customer support is available to service your needs and answer your questions, call 248-848-9065, option #1.
Access to your progress report online 24/7, 365 days per year, Log on to check your account and dispute letter status.
Our Guarantee
If the customer is not satisfied after six months or three dispute cycles (whichever occurs first), they may receive a refund less a $125 set-up charge and $25 for each negative removed or corrected during the time they were involved in the credit restoration process.
Give your clients the financial freedom with the good credit they deserve!
Contact me today for a FREE debt and credit consultation at 248-830-4832 or visit my website http://www.tjtfinancialservices.com/ e-mail: tim@tjtfinancialservices.com
Saturday, February 9, 2008
ULTRASCORE™ , THE CREDIT ANALYZER
United Credit Education Services and TJT Financial Services Providing credit solutions that work!
Hello, my name is Tim J Thrift Certified Credit Consultant and Qualified Field Trainer of United Credit Education Services.
Hello, my name is Tim J Thrift Certified Credit Consultant and Qualified Field Trainer of United Credit Education Services.
UltraScore™ provides the tools necessary to help anyone understand the credit scoring system and how it impacts their financial health and freedom.
UltraScore™ offers:
Comprehensive analysis of the positive and negative items impacting your credit score.
Personalized action plan to improve your credit file for your immediate and long-term
Customized recommendations to build and maintain good credit
Help your clients understand their credit score! Enroll them in UltraScore™ today!
UltraScore™ offers:
Comprehensive analysis of the positive and negative items impacting your credit score.
Personalized action plan to improve your credit file for your immediate and long-term
Customized recommendations to build and maintain good credit
Help your clients understand their credit score! Enroll them in UltraScore™ today!
Contact me today for a FREE debt and credit consultation at 248-830-4832 or visit my website http://www.tjtfinancialservices.com/ e-mail: tim@tjtfinancialservices.com
THE EFFECTS OF SHORT SALES AND FORECLOSURE ON YOUR CREDIT
United Credit Education Services and TJT Financial Services Providing credit solutions that work!
Hello, my name is Tim J Thrift Certified Credit Consultant and Qualified Field Trainer of United Credit Education Services.
Recently, the market has seen a lot of foreclosures on homes. In 2007, there were over 2 million foreclosure filings, a rise of nearly 75 percent from the previous year. However, a new phenomenon of short sales has brought new questions of how this will affect consumer’s credit and credit scores.
Short sales happen when there is not enough equity to sell and pay all costs of the sale and a lender agrees to accept less than the amount owed against the home. Not all lenders are willing to do this though. Typically lenders only consider a short sale agreement when the home owner has defaulted on their payments.
A short sale may seem like the answer to avoid foreclosure, however, be aware that a short sale will still result in a lower credit score. The seller in a short sale will have lowered credit score 80 to 100 points versus a foreclosure, which will drop a consumer’s credit score 250 to 280 points. A short sale also can be more favorable than a foreclosure in that sellers of a short sale will be eligible for good interest rates in about 18 months to buy another home versus 36 months in a foreclosure. Talk to a real estate agent or a lawyer when determining whether a short sale or foreclosure is in your best interest.
Contact me today for a FREE debt and credit consultation at 248-830-4832 or visit my website http://www.tjtfinancialservices.com/ e-mail: tim@tjtfinancialservices.com
Hello, my name is Tim J Thrift Certified Credit Consultant and Qualified Field Trainer of United Credit Education Services.
Recently, the market has seen a lot of foreclosures on homes. In 2007, there were over 2 million foreclosure filings, a rise of nearly 75 percent from the previous year. However, a new phenomenon of short sales has brought new questions of how this will affect consumer’s credit and credit scores.
Short sales happen when there is not enough equity to sell and pay all costs of the sale and a lender agrees to accept less than the amount owed against the home. Not all lenders are willing to do this though. Typically lenders only consider a short sale agreement when the home owner has defaulted on their payments.
A short sale may seem like the answer to avoid foreclosure, however, be aware that a short sale will still result in a lower credit score. The seller in a short sale will have lowered credit score 80 to 100 points versus a foreclosure, which will drop a consumer’s credit score 250 to 280 points. A short sale also can be more favorable than a foreclosure in that sellers of a short sale will be eligible for good interest rates in about 18 months to buy another home versus 36 months in a foreclosure. Talk to a real estate agent or a lawyer when determining whether a short sale or foreclosure is in your best interest.
Contact me today for a FREE debt and credit consultation at 248-830-4832 or visit my website http://www.tjtfinancialservices.com/ e-mail: tim@tjtfinancialservices.com
FICO 08 LAUNCHES IN LATE SPRING
United Credit Education Services and TJT Financial Services
Providing credit solutions that work!
Hello, my name is Tim J Thrift certified credit consultant and Qualified Field Trainer of
United Credit Education Services.
Providing credit solutions that work!
Hello, my name is Tim J Thrift certified credit consultant and Qualified Field Trainer of
United Credit Education Services.
The Fair Issac Corporation, the developer of the widely used FICO credit score, has created a new credit scoring model called FICO 08. Currently, most lenders use consumer FICO scores to determine interest rates, loan terms, insurance rates, etc. FICO scores are also being used to determine utility, rental and employment ability or eligibility.
The new credit scoring model will assist lenders in reducing the cost of default rates on consumer loans between 5 and 15 percent. FICO 08 also has intentions of being more lenient on those consumers who occasionally make a late payment versus those who are consistently late. Consumers with only one late account will be given a slightly higher score than those with several delinquent accounts. These consumers could see a significant drop in their credit score. Similar to the current credit scoring system, FICO 08 will stake into account the same factors, such as payment history, length of credit history, the credit mix, amount of debt and the amount of new credit. Unlike the current credit scoring model, FICO 08 will not take into account an authorized user. The new credit scoring model is expected to launch by late spring. Keep your clients updated as they anticipate the new credit scoring system change.
Contact me today for a FREE debt and credit consultation at 248-830-4832 or visit my website http://www.tjtfinancialservices.com/ e-mail: tim@tjtfinancialservices.com
The new credit scoring model will assist lenders in reducing the cost of default rates on consumer loans between 5 and 15 percent. FICO 08 also has intentions of being more lenient on those consumers who occasionally make a late payment versus those who are consistently late. Consumers with only one late account will be given a slightly higher score than those with several delinquent accounts. These consumers could see a significant drop in their credit score. Similar to the current credit scoring system, FICO 08 will stake into account the same factors, such as payment history, length of credit history, the credit mix, amount of debt and the amount of new credit. Unlike the current credit scoring model, FICO 08 will not take into account an authorized user. The new credit scoring model is expected to launch by late spring. Keep your clients updated as they anticipate the new credit scoring system change.
Contact me today for a FREE debt and credit consultation at 248-830-4832 or visit my website http://www.tjtfinancialservices.com/ e-mail: tim@tjtfinancialservices.com
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