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.
Credit restoration allows you to dispute the negative information reflecting on your credit reports, which will result in an increase in your credit score. Once your credit report is accurate, you can begin to build your credit and prove to lenders that you are credit worthy. To rebuild your credit you need to gain some consumer credit knowledge. If you have had poor credit in the past getting new credit or lenders to extend you credit may prove to be a challenge.
Below are tips on how to get new credit and how to build and maintain good credit habits
1. Getting New Credit. Get a new credit card that is right for you. Be warned that creditors will prey on people with past credit troubles extending credit cards with high interest rates and high fees that ultimately make credit unaffordable. Department store cards and secured cards are usually the easiest to get for people trying to build their credit. Keep new credit applications to a minimum the more you apply for, the more the impact will be on your credit score.
2. Building New Credit Habits. Learn how to spend wisely; otherwise you will end up with the same damaging credit that caused you to rebuild your credit. Educate yourself on credit and put those good habits to use.
3. Rebuilding Your Credit. Keep your credit cards current with no late payments and pay them off each month. Keep your balances low in comparisons with your credit limit. Do not take on too many credit cards that you cannot manage your balances and payments.
Tim J Thrift can be reached at 248-830-4832 or tim@tjtfinancialservices.com
Below are tips on how to get new credit and how to build and maintain good credit habits
1. Getting New Credit. Get a new credit card that is right for you. Be warned that creditors will prey on people with past credit troubles extending credit cards with high interest rates and high fees that ultimately make credit unaffordable. Department store cards and secured cards are usually the easiest to get for people trying to build their credit. Keep new credit applications to a minimum the more you apply for, the more the impact will be on your credit score.
2. Building New Credit Habits. Learn how to spend wisely; otherwise you will end up with the same damaging credit that caused you to rebuild your credit. Educate yourself on credit and put those good habits to use.
3. Rebuilding Your Credit. Keep your credit cards current with no late payments and pay them off each month. Keep your balances low in comparisons with your credit limit. Do not take on too many credit cards that you cannot manage your balances and payments.
Tim J Thrift can be reached at 248-830-4832 or tim@tjtfinancialservices.com
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