Best time of the year to start "Credit Repair"  Did you know that 79% of people have inaccurate accounts on their Credit Report?  This percentage is killing our consumers in having to pay high interest rates because of low credit scores. Banks love people with low credit scores.  Due to the fact that 80% of credit bureau employees, collection company employees and creditors take vacation from November to January, you have a huge advantage when you take action to restore your credit during this time of year. Under the federal Fair Credit Reporting Act, credit reporting agencies must reply within 30-45 days from the time we submit your investigation. Because there is a time frame that legally must be adhered to for both the credit bureaus and the lenders/creditors, who must verify any items you are disputing, November and December are the optimal times to work on repairing your credit and getting negative items removed. At CONQUEST CREDIT, our goal is the same as yours: to restore your credit profile in the fastest time frame possible. The best gift you could give yourself is excellent credit, so call us today to get started. If you take advantage of Credit Repair in the month of November and December we will take off $100. It will only cost you $99 for a set up/Credit Analysis to start. On top of that you will not have to pay for Credit Repair until the month of February. We understand that the holidays are approaching fast and if your like us we want to save our money for our loved ones, However if you act now, not only will you have a few months to start paying for Credit Repair but you will have better credit by February/March.You can start the new year with a bang! Then you can refinance any loans you have and start saving money in the year 2015!  To read more blogs like this or if you would like any advise or help in any of these areas feel free to visit our website and sign up, you can also sign up for our for our Newsletter. Like us on Facebook page and we will send you a free ebook on "Understanding Your Fico Score" No matter where you're at in the US we can help.  To Learn more about how we can help you. Give us a call, we can help you get out of the rat race and get your credit score over 700.  Danny Ramirez (800) 288 4833

Orange county Operation feed the homeless God of this city Chris tomlin

Learn-2-Invest, CASHFLOW 101 Game & Event with J. Massey

How to build Credit for college students. Credit Repair Los Angeles

Conquest Credit Repair

Credit Repair Los Angeles

Credit Repair Orange County

A Few Tips On Raising Your Credit Score

Your credit score is comprised of several components that make up the total score. That is why it is necessary to understand and know what you can do to help rebuild it.  There is no quick fix to rebuilding or repairing your credit, that is why you don’t want to procrastinate because it will take some time, patience and discipline.  Discipline because you need to monitor and change your spending habits and patience because it will take time for your credit score to start going back up. For example, if you are accustomed to eating out a lot or spending more than what you are making, it would be best to devise a plan and ask a friend to help you stay on track.  One of the ways you can begin raising your credit score is to use your credit card, but remember never go over 20%. 

2 Reasons why, 

1. You want to keep your credit utilization ratio low, meaning your balance needs to stay 20% or under your limit. 

2. You don't want to get into debt; we are anti debt and always advise to never be a slave to the borrower. Using credit responsibly shows the banks that you can be responsible and disciplined with your credit cards. For example, someone with bad credit would do best applying for a secured credit card.  A secured cards means you provide the funds to open the credit card account.  If you are weary of having a credit card due to past experiences with overspending, we recommend you create a zero-based budget and closely monitor your spending along with having a professional company to help monitor your credit. 

If you need help with adhering to your budget, find someone who can help you. Sometimes a partner, friend or professional can offer the support and knowledge to help you stay on track. In the beginning it can be challenging, and it may take from 6 months to a year or two, but if you stay disciplined and make your payments on time, it will show the banks that you are a responsible credit consumer. It takes hard work, sacrifice, self-control and discipline to take control of your financial future!! If you would like more tips or information on how to manipulate your score, manage your finances and have more control of your financial future, feel free give us a call at 1-800-288-4833. Or visit our website www.conquestcredit.org

To read more blogs like this or if you would like any advice or help in any of these areas feel free to visit our website and sign up for our Newsletter. Like us onFacebook page and we will 

send you a free eBook on "Understanding Your Fico Score"

 No matter where you're at in the US, we can help! 

4 Hacks To Quickly Boost Your Credit Score

Take a look at this interesting article on how you can boost your credit score, If you don't have time, find it too frustrating trying to dispute and get a hold of the credit bureau's or if you would like some free advise on how to boost your credit score, we can help! 800-288-4833  

http://www.businessinsider.com/how-to-quickly-boost-your-credit-score-2014-3

Checked Your Credit Score lately?

Checking, knowing, understanding and building your Credit is just as important as getting up to go to work! You know you have a job, and if you don’t wake up and show up, there will be some serious consequences! We all know we have a Credit Score, but how many of us actually know it, keep track or monitor one of the most important factors of our financial future!  

Yes, life can get busy with things to do, places to be and people to see, but If you avoid taking the steps towards building, protecting or ensuring you have good credit, the impact and consequences can affect every aspect of your life!  This might sound absurd or exaggerated, but if you think about it, your Credit can determine how much access to resources or control you have over your quality of life.  Not being able to get a loan, have access to credit or paying high interest rates = less money, more stress, no security, no stability, depression, relationship problems, divorce, anxiety and physical or mental health problems. 

Take control of your financial future, knowledge is power! Knowing, understanding and building your Credit can be one of the best decisions you can make for a brighter financial future!  Remember, avoiding a situation or waiting seven years for negative information to fall off your report will not make it better.  It takes hard work, sacrifice, self-control and discipline to take control of your financial future!!  If you would like some professional advice or assistance, call us at 1-800-288-4833 or visit our website www.conquestcredit.org

To read more blogs like this or if you would like any advise or help in any of these areas feel free to visit our website and sign up for our for our Newsletter. Like us onFacebook page and we will send you a free ebook on "Understanding Your Fico Score"

 No matter where you're at in the US we can help. 

“3 Common Mistakes Most People Make That Negatively Impact Their Finances and Credit Score”

Let’s say you decide you want to start working on your finances, and building or fixing your credit.  Like most Americans, you were never really taught the ins and outs of how Credit works. In fact, most people today make financial decisions based on what they have heard or learned from their parents, relatives, friends, the internet, television, etc., but how many of us have actually sat down with a professional financial consultant to learn how to have a zero based budget, manage expenses, save, or build and maintain good credit? 

Below are three common mistakes most people make that negatively impact their finances and credit score.  Always ask or research before you make any kind of financial decision, sometimes you may have good intentions and think you are making a wise decision, only to latter find out  you have made things worse. 

Mistake #1- CLOSING YOUR CREDIT CARD ACCOUNTS

Depending on your situation, you may need to look at your options first before making a haste decision to close an account.  Never close an account with a creditor because they did something to upset you. If you have missed a couple of payments or a payment got lost in the mail, try to work it out and get back on track rather than just ignoring the situation and letting it go.  Also, never close an account that is paid off, especially if you have had it for several years.  One of the components of the FICO score is the length of credit history and the credit to debt ratio.  Often times, it may seem logical to close a paid off account, but closing it could actually lower your credit score. 

Mistake #2- TRADING IN YOUR VEHICLE FOR A NEWER ONE

Car Dealerships are well known for their advertising strategies that draw in previous customers to trade in their current car for a newer one.  You have probably received these offers in the mail and thought about doing it yourself.  Well, depending on your situation, these deals can be detrimental to your finances.  For example, if you’re current car loan is NOT paid off and you have NO savings for a down payment (we typically recommend between $3000-$5000), it probably wouldn’t be wise to trade in your car. Also, if your credit score is below 700, we recommend you begin working on raising your credit score so you can benefit from lower interest rates as well. Our recommendation is to hold off trading in your vehicle until your car is paid off, you have a down payment, and your credit score is good.   

Mistake #3- APPLYING FOR MULTIPLE CREDIT CARDS OR LOANS WITHIN A SHORT PERIOD OF TIME

You decide you want to start building your credit, or that you need a loan to get something you need or want. You begin by applying in person or online to multiple banks or going to multiple retail stores in hopes of getting approved for a credit card or car loan.  Unfortunately, you were unaware that one of the components of your FICO credit score is the number of HARD inquiries on your credit report.  Whenever you apply for a loan or credit card, the creditors run a credit check to verify your credit worthiness, and how likely you will be able to pay them back.  These inquiries stay on your credit report for 2 years. On average you want to have no more than two inquiries within a 12 month period.

To read more blogs like this or if you would like any advise or help in any of these areas feel free to visit our website and sign up for our for our Newsletter. Like us onFacebook page and we will send you a free ebook on "Understanding Your Fico Score"

 No matter where you're at in the US we can help. 

To Read more blogs like this, Like us on Facebook or sign up for our Newsletter 

Make Fixing Your Credit and Finances Your New Year’s Resolution for 2014!

We have all heard the saying “Out with the Old, In with the New”.  Well, it’s time to say goodbye to 2013 and start the New Year with a fresh, new perspective on your Finances and Credit!  No more looking back and dwelling on the financial choices you made last year, now it’s time to take action, make some changes and start out the New Year on the right path!

Make a list of goals and dreams you want to reach this 2014, and figure out what you need to do to start making things happen!  Maybe it’s taking control of your finances, fixing your credit, building a savings, buying a home or car, paying off debt and student loans, or learning to budget.  Your financial future is extremely important, I would recommend to start off with a 3 month goal, if it means start fixing your credit so you can take advantage of great interest rates or start off with a zero based budget so you can save hundreds of dollars in 2014! 

We are here to help you achieve your goals, let us know how we can help! We wish you the best in 2014!

To read more blogs like this or if you would like any advise or help in any of these areas feel free to visit our website and sign up for our for our Newsletter. Like us onFacebook page and we will send you a free ebook on "Understanding Your Fico Score"

 No matter where you're at in the US we can help. 

To Read more blogs like this, Like us on Facebook or sign up for our Newsletter