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United Credit Education Services and TJT Financial Services
Providing credit and debt solutions that work!
Hello, my name is Tim J Thrift certified credit consultant and Qualified Field Trainer of
United Credit Education Services.
When you have had past credit troubles, it can be hard to find credit. Even when you do find credit, the credit terms are horrible with high interest rates and costly fees. It’s not hard to find credit though, once you know where to look.
Here are some helpful hints to get you started.
If you have not received any credit card offers in the mail, consider applying online, at your local bank or retail store. There are thousands of credit lenders available to you. Check http://www.bankrate.com/ for interest rate and fee comparisons for the credit card that is right for you.
Two lenders that are known for extending credit to those with poor or little credit are First Premier Bank and HSBC Bank of Nevada. Lastly, if you can’t find an unsecured credit card, try a secured credit card. A secured credit card is similar to a debit card in that you deposit funds into your account and then make purchases against those funds. The amount that you deposit will determine your credit limit. You will receive monthly bills; however along with paying by check you can also deduct the money that you deposited for payment. In your search for a secured card, look for one that will report as unsecured on your credit report. This will improve your credit score.
When you do make the choice to apply for a unsecured or secured credit card, carefully read the terms of the card, especially if you have less than perfect credit. Credit is available to you, Just be sure to do you research to get the best terms for your life.
Tim J Thrift can be reached at 248-830-4832 or tim@tjtfinancialservices.com
Providing credit and debt solutions that work!
Hello, my name is Tim J Thrift certified credit consultant and Qualified Field Trainer of
United Credit Education Services.
When you have had past credit troubles, it can be hard to find credit. Even when you do find credit, the credit terms are horrible with high interest rates and costly fees. It’s not hard to find credit though, once you know where to look.
Here are some helpful hints to get you started.
If you have not received any credit card offers in the mail, consider applying online, at your local bank or retail store. There are thousands of credit lenders available to you. Check http://www.bankrate.com/ for interest rate and fee comparisons for the credit card that is right for you.
Two lenders that are known for extending credit to those with poor or little credit are First Premier Bank and HSBC Bank of Nevada. Lastly, if you can’t find an unsecured credit card, try a secured credit card. A secured credit card is similar to a debit card in that you deposit funds into your account and then make purchases against those funds. The amount that you deposit will determine your credit limit. You will receive monthly bills; however along with paying by check you can also deduct the money that you deposited for payment. In your search for a secured card, look for one that will report as unsecured on your credit report. This will improve your credit score.
When you do make the choice to apply for a unsecured or secured credit card, carefully read the terms of the card, especially if you have less than perfect credit. Credit is available to you, Just be sure to do you research to get the best terms for your life.
Tim J Thrift can be reached at 248-830-4832 or tim@tjtfinancialservices.com
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