Should Credit Repair Be A Continuing Education?

Should Credit Repair Be A Continuing Education?

One of the reasons why Continuing Education Program Directors should include

“TheCredit Journey” Online Credit Repair Course in their curriculum is that many people feel the pressure and stress that comes with having a low credit score. Even if you are able to achieve the degree you’ve always dreamed of and receive that perfect high paying position, you may still end up in bankruptcy court like thousands have in the past. Most of them don’t understand how they have reached such a low point in their financial life and a low credit score will create these problems for them if they do not educate themselves about how to manage credit. Credit management is 10 times more effective than money management. Why? Because a low credit score will cost you thousands in penalties and fees for a home, car and credit cards as well as the basic necessities. When you are trying to understand why you have to put a down payment on a car or you have to come up with a deposit for the best cell phones and service you will realize that having better credit scores and becoming financially fit through “The Credit Journey” Online Credit Repair Course is the smarter choice rather than using a credit repair company. They will help you to learn all you need to build and maintain a good credit score and there’s no personal information accepted or required.

Secondly, it’s important for individuals to understand as much as possible about personal credit and how it works to insure financial stability. Surveys have shown that almost 80% of all consumer credit reports actually contain serious mistakes or errors, and 43 million US credit reports have a score of 599 or below. According to Cecillia Barr from Debt.org, college students typically form a habit of accruing debt, which increases each year. “The Credit Journey” Online Credit Repair Course offers them the chance to understand and proactively build up, as well as, sustain a healthy credit report. 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 no or low interest on credit cards and positive results for job screenings.

Finally, the “The Credit Journey” Online Credit Repair Course has shown that it is an effective way to get the best results which allows consumers, including college students, the opportunity to establish, restore and maintain a good credit standing. This will allow them the ability to achieve their financial goals. The course helps individuals to improve their credit scores by showing them how to prevent or eliminate inaccurate, erroneous and unverifiable information from a credit file. They also teach individuals how to understand the financial industry through credit repair, as well as, equip them with the tools that are necessary to challenge information on a credit report.  

So, whether you are a highly paid professional having credit problems or a student sinking under financial stress you can seek help with “The Credit Journey” online credit repair course now available through ChattahoocheeTech Continuing Professional Education Department. This is one of the first schools to have chosen to offer an online credit repair course. Their students will learn how to be financially fit by building, sustaining and finding out how to repair their own credit reports. So, go online today and take hold of your own financial future which is not only important for you but also for your family.

Making A Decision About Bad Credit and Credit Repair Education!

 https://www.youtube.com/watch?v=2ejSmgozbTE
Did you know that there is a single mental move that you can make which will solve enormous financial problems for you and your family?  It is capable of improving almost any personal or financial situation you will ever encounter…and it could literally propel you to the road of financial literacy and success with money.  There is a phrase for this…..it’s called Making a DECISION.

Hi I’m Art Gulle author of Act Like a Homeowner, Think Like An Investor as well as 5 Ways To Buy The Right Foreclosure With The Wrong Credit and Creator of the Credit Journey!

There is one element that must go hand in hand with the decision….and that’s commitment.  There must be a COMMITTED DECISION.  Most of us don’t utilize our decision making muscles effectively enough and we may not recognize what it means to make a decision.  We must realize the force of change, a truly congruent, committed decision makes.  We use the word decision very flippantly that it describes our wishes, not our commitments.  We don’t make conscious decisions, we merely state our preferences.  Making a decision means committing to a particular result and cutting yourself off from any other possibility.  A TRUE DECISION, then means you are committed to achieving a result, and then cutting yourself off from any other possibility. What if you made a committed decision to help prevent others and yourself from losing the average $225,000 most people will lose over a lifetime in high rates, fees and penalties because of bad credit. The Credit Journey is a great place to start understanding the connection between credit and your personal finances.

Committed decisions show up in several places—your calendar, your bank statement and credit reports.  No matter what you say you value, or even think your priorities are, you have only to look at last years calendar of appointments, bank statements and credit reports to see the decisions we have made about what we truly value.  For example, I am committed to growth, both professionally and personally. So, look at how you have reserved your time…look at your expenditures…those are the true indicators of the decisions we have made in the past.  Make the decision today to change the rest of your life by going on The Credit Journey!

Is it important to check credit scores before marriage?

People like to take care of their credit score. Even when they do not understand fully how it works, they know it plays a crucial role in assuring a good and stable financial future. This special caution takes people to take into account on every decision where personal finance is involved. Mortgage loans, obtaining a new credit card and even looking for insurance are some of the situations where many people feel insecure about how to proceed without affecting negatively their credit score. There are also other situations where personal finance might be in jeopardy, but there are so many taboos and myths surrounding them that people very rarely talk about it publicly. Such is the case of marriage. Couples who are planning to get married feel afraid when asking for their future spouse credit score and history. In this article we will discuss the taboos and myths where credit score and marriage merge in order to determine if it’s important to check credit scores to see if you are marrying someone with bad credit.

First, let us clear out the myths. Many people think that getting married implicates a series of financial responsibilities between the newlyweds. In fact, marrying rarely implicates legal financial jointures between two people. Credit scores are not merged together nor averaged, no credit score is lowered upon marriage and, even marrying someone with bad credit will not affect the other spouse’s credit score. Even when newlyweds decide to join their credits, past personal credit histories and score remain unchanged and unaffected.

On a superficial level, marrying might seem like a safe option. And legally it is. But there are other factors that are involved in marriage besides the legal contracts, and this is where some financial inconveniences might arise. In many cases, bad personal credit scores and histories implicate a failure to keep up with payments or to manage loans and credits. And just as marrying someone does not affect personal credits; it also does not help it to recover. Even if the spouse has excellent credit reports, marriage does not solve the previous financial difficulties. And, eventually, a person with the inability to manage their own credit can affect the newly created joint credit or bring financial issues to its couple.

Of course, all this may sound insignificant, but the credit system is still complex and hard to understand completely. This is why many people have dedicated their life to help others better their credit scores and gain access to all the benefits to which they lead. Such is the case of Art Gulle, author of the celebrated book “Act Like a Homeowner, Think Like an Investor” as well as “5 Ways To Buy The Right Foreclosure With The Wrong Credit.” Art Gulle experienced many financial challenges with a bad credit history for years. Living through up and downs, and facing the many challenges that come with managing credit, Gulle learned many insights of managing personal credit, and has used this knowledge to help many individuals over the past several years. His latest project is “The Credit Journey” online credit repair course, where you can learn about how to develop a credit conscious lifestyle by understanding and using the many strategies that credit experts use to never start or repeat the credit repair cycle again. You can start a financially stress free lifestyle by  visiting www.TheCreditJourney.com

How Is Your Credit Score Determined?

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Protecting your credit score is an essential task to gain access to all kinds of advantages and good financial services. Anything from great loans with low interest, better probabilities of landing a good job position or even paying lower rates on insurance are reasons enough to maintain a positive credit score. Great credit scores can attract employers or banks to provide you with upgraded services that help boost your credit score. It is a cycle that can work positively for anyone who has learned to manage his or her credits. However, in order to take care of your score cautiously and with detail, it is first necessary to learn exactly how this amount is calculated. This article will focus on breaking down the elements and percentages that form most of credit score calculations.

The FICO credit score calculation is broken up into five different elements. Each one of them has different value based on how important that element is in determining your financial stability. Credit scores are supposed to be a representation of the financial capability and stability of a consumer. This a trustful piece of information for any company that is considering extending credit or doing business with you.

The first and most important element is the Payment History, which forms 35% of the whole score. This element reflects how you have paid your previous credits. The second most important element of the equation is the Amount Owned, which refers to any debts you currently hold with all creditors and gathers up to 30% of your score. The third element is the Length of Credit History, which represents 15% of the whole value. In addition, a long credit history usually reflects financial stability. The last two aspects, both representing 10% of the your credit score, are the Types of credits in Use, which refers to the mix of credit cards, retail accounts, mortgage loans or other credits you might have available; and New Credits, which represent if you have opened an account within a short period of time.

Of course, all this sounds great put on paper, but the credit system can be complex and hard to understand completely. This is why many people have dedicated their life to help potential consumers better their credit scores and gain access to all the benefits to which they desire. Such is the case of Art Gulle, author of the celebrated book “Act Like a Homeowner, Think Like an Investor.” Art Gulle has had his share of experiences with credit. Living through up and downs, and facing the many challenges that come with managing credit, Gulle learned all the insides and the outsides of managing credits, and has used this knowledge to help people improve their credit report to purchase a home for over 14 years. His latest project is The Credit Journey credit repair course and Credit Repair Coaching Programs where you can learn about a wide range of useful personal credit solutions. You can sign up for the course by visiting www.THECREDITJOURNEY.com

Credit Repair Companies vs. Credit Repair Education

Credit Repair Companies vs. Credit Repair Education

               https://www.thecreditjourney.com--------https://www.thecreditjourney.com/freevideos.html

When you are struggling with establishing good credit you may be tempted to look for a quick fix, such as working with a credit repair company or a credit repair “expert”. These are companies or individuals that promise a miraculous fix to your credit but generally end up leaving you with more debt and worse credit than when you began. They do this through scams, lack of education, and more. It is because of this that working through a company that focuses on credit repair education is critically important. A service such as "The Credit Journey" Online Credit Repair Course will  work with you to understand what your financial pitfalls are because of challenge credit and show you how to restore your credit score by teaching you to eliminate inaccurate, obsolete, and erroneous information from your credit report. You are also educated on your rights as a consumer.

When looking into services to help you with your credit the Federal Trade Commission (FTC) recommends looking for the following warning signs:

• The company wants money up front before they do any work
• The company does not disclose your legal rights
• The company recommends you do not contact creditors directly
• The company advises you to take action that may not seem entirely legal, such as creating a new credit identity

It is because of this that it is critical to choose a service that offers you an opportunity to educate yourself about matters of personal credit that you may not think you can do yourself and is 100 percent legal. Even the most reputable of credit repair companies will simply dispute items on your credit report that you have every right to do yourself.  This is something you can do on your own; you do not need to hire a company to do this for you.  As you look deeper into the mission of these companies even the most reputable credit repair companies make it clear they are just out for themselves and their long term goal is to keep you as a client, rather than ensuring your financial independence.

                This is why developing a relationship with a credit education service is to your advantage. A service like The Credit Journey will work with you to eliminate inaccurate, obsolete, and erroneous information from your credit report and will help you to develop strategies for ensuring that a financial disaster does not become your disaster.  A credit repair education service will also work with you to ensure that you know your rights as a consumer and understand your credit report.

                There are also credit education companies out there with an extensive curriculum that focuses on financial literacy rather than making a quick buck. The dedication to education is what makes credit education services stand apart from credit repair companies. Credit education services are dedicated to your long term success, rather than simply being out for themselves.

                Overall, educating yourself about the options available to you when it comes to building or repairing your credit is an excellent idea.  You are your best advocate and ensuring that you have a good knowledge base to back up your gut feelings will serve you well in your financial life and your family’s life in general.