Investing For Beginners: Do I Need a Good Credit Rating to Start Investing in Real Estate?
Dodging bad credit is a struggle people go through on a daily basis. They pay their bills on time by working their tails off. They hold out on their wants so as to pay interest on debt just to get good credit. This is a struggle to dodge bankruptcy or home foreclosure. However, is good credit really worth all the effort?
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Business Plan for How To Start Credit Score Repair and Credit Counseling Services
Business Plan for How To Start Credit Score Repair and Credit Counseling Services
- Complete Business Plan Template Pre-Populated With All Required Sections
- Comes in MS Word and MS Excel Format For Fast and Easy Editing
- All Charts and Graphs Automatically Update So You Can Complete Your Plan Quickly and Easily
- Includes All Sections and All Financial Statements Required By The SBA
- Shipped Lightning Fast On A High Capacity CD ROM
How would you like to start or expand your business with a professional business plan that’s designed to save you time and money and get your business started right?
This business plan will provide you with incredible tools to forecast the finances of your business, secrets to generating and securing customers, powerful market and industry information, and more! Take the first critical step towards a better quality of life and financial freedom right now!
Writing a business plan is the first and most important step in starting any business, and it is not something you want to just jump into without experience and a little help to get you started.
Think about how much easier it’s going to be to using a complete, preformatted business plan specific to your business and industry, with all SBA required sections written for you, and all of the financial statements automatically generated for you!
Save countless hours of work and receive an incredibly valuable business plan that you can use to secure funding and estimate your business finances, sales, costs, and so much more!
OK, So What Is All Included With My Business Plan?
You’ll be receiving a professionally formatted, easy to follow business plan that is specifically written to start up this business. All you need to do to complete the plan is fill in the information that is unique to your business!
This business plan template comes in MS Word and MS Excel Format. The Word document averages 24-26 pages in length, and includes all sections required by the SBA.
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List Price: $ 14.97
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Categories: Credit Score Products Tags: Business, counseling, Credit, Plan, Repair, Score, Services, Start
Living Well with Bad Credit: Buy a House, Start a Business, and Even Take a Vacation – No Matter How Low Your Credit Score Reviews
Living Well with Bad Credit: Buy a House, Start a Business, and Even Take a Vacation – No Matter How Low Your Credit Score
- ISBN13: 9780757313585
- Condition: New
- Notes: BRAND NEW FROM PUBLISHER! 100% Satisfaction Guarantee. Tracking provided on most orders. Buy with Confidence! Millions of books sold!
If bad credit has happened to you, there is something you can do about it
Feeling broke and battered? We know the feeling—heck, everyone knows it. According to the Wall Street Journal, 110 million Americans have bad credit—almost 50% of the adult population. But we don’t have to be depressed or discouraged about it. There is life after bad credit. In fact, there’s even life during bad credit.
Living Well with Bad Credit is the right help at the right time. If you’re bravely soldiering on despite your finances going south, this informative book is for you. It puts the emphasis on living with bad credit—and living well. Veteran journalist Geoff Williams (AOL’ s personal finance blog WalletPop, CNNMoney.com, Bankrate.com) and media powerhouse Chris Balish, an Emmy Award-winning broadcast journalist and author (Living Well Without a Car), have teamed up to bring readers:
• Usable tips on how to embrace, and even benefit from, a low credit score
• Invaluable advice for dealing with ‘lifestyle’ events such as how to buy a car or qualify for a credit card with bad credit
• Interviews with dozens of experts and successful professionals who share ideas on how to live with the negative effects of bad credit
• Practical discussion on topics that go beyond finance, such as healing self-esteem and building relationships in spite of bad credit
While bad credit can be a setback, it doesn’t have to be a roadblock. This expert guide is just the ticket to a better life once again
List Price: $ 12.95
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Q&A: I am 20, How do I start my credit?
Question by Shawny™: I am 20, How do I start my credit?
I am a 20 year old college student, and have a part time job. I have never had a credit card or have gotten a loan. Every time I apply for a credit card, I keep getting denied due to lack of credit. I have a checking account and I am a very responsible with my money.
How do I start my credit? How do I get it from “no credit” to “good credit”?
Best answer:
Answer by Elley
I’m not sure what you financial situation is, but the best way to build credit if you have a checking account is through the bank your account is with. If you own property such as a car/motorcycle/boat/house/land you can use that for collateral. I would start small. Something easy to pay back like $ 500.00. It is not a large amount and really you shouldn’t even spend any of it. Just pay your payments. You can and should pay it off a little early if possible. Once it is paid off then you wait a couple months and go back. This time for $ 1,000.00, same deal. By the time you are finished with the second loan you should have no problem obtaining a credit card!
What do you think? Answer below!
Categories: Credit Score Questions Tags: Credit, Start
Q&A: How do I start my credit when I turn 18?
Question by Jessica: How do I start my credit when I turn 18?
I’m going to be 18 next month and I need to start my credit so I will be able to finance a car at some point soon, which you need “good credit” for.
Best answer:
Answer by Judy
Open a checking account. You will receive an ATM/debit card, possibly a visa card along with it.
Keep 3 months salary in that account. It will be used towards your down payment on your car, and as an emergency stash.
If you want credit cards start by applying for store cards and gas cards. Easy to get. After 6 months, get a real visa/mc. Never carry balances, this can destroy your credit if you go over the 30% threshold.
Buy stuff you need every month, and pay in full every month. Carrying balances and paying interest DOES NOT help you increase credit worthiness.
What do you think? Answer below!
Categories: Credit Score Questions Tags: Credit, Start, Turn
When will my credit score start improving?
Question by xsaraxamx: When will my credit score start improving?
For the most part, I’ve paid my credit cards on time and have had good credit reports. But last month, I was in a bad financial situation was not able to pay my Shell gas card. I was able to pay it a few weeks after it was due, but now it shows that I have a delinquency on my credit report. When will that go away? Also, it made my credit score go down about 50 pts. If I continue to pay all of my credit cards on time each month, when will my credit score improve?
Best answer:
Answer by bdancer222
If you were only a few weeks late, credit card typically don’t report that to the credit bureau. You get hit with a late fee. The payment usually has to be 30 days late before it is reported. Are you sure it was only a few weeks?
You will need at least 24 months of consistent, on time payment history to overcome that late payments. Most of your score is based on the previsou 24 months.
Know better? Leave your own answer in the comments!
Categories: Credit Score Questions Tags: Credit, Improving, Score, Start
What does your credit score start out as?
Question by jane w: What does your credit score start out as?
Wondering…I’m young and just got my first real credit card about 3 months ago. I’ve paid everything off every month so far. What does your credit score start as? Before I got it, I had no credit history whatsoever, but I expect to now or very soon since I now have credit. Anyone know what number I may have started at? Would it just be the national average? Or does it start higher?
Thanks!
I mean…I know I had no score at all, but I guess I am really asking: once you open a line of credit, where does your score immediately fall when it is initially opened?
Best answer:
Answer by spifiman1
Credit scores are made up of the following;
1. Pay history 35%
2. Time in bureau 15%
3. Types of credit 10%
4. New credit 10%
5. Debt to credit ratio 30%
As you can see 1,2&5 are the most important as far as scoe is concerned but you need much more then just a good score you also need a good profile.
You will need 3 credit card accounts (revolving) and at least 2 cars, boats, homes, furniture or personal loan accounts (installment) all with good long pay historys and your CC balances below 30% fo your credit limit every month.
This mix of credit will give you the best profile and score.
Credit scores always start out at 0. Reportable scores run from 300 to 850. Yours after about 3-months should be somewhere in the 600 range.
Give your answer to this question below!
Categories: Credit Score Questions Tags: Credit, Score, Start
When can I start building my credit score?
Question by Benjamin Franklin: When can I start building my credit score?
I am 16 years old and would like to know when I can start building my credit score? What will be a starting credit score? How can I build my credit score to be as high as possible? Thanks. Serious answers only please.
Best answer:
Answer by RantingLover
You can start building your credit when you’re 18 (in the USA at least). You increase your credit score by not going over your credit limits, paying on time, and not carrying a balance on revolving lines of credit (like a credit card).
Edit: You used to be able to be added to another person’s credit card and that would begin your credit history, and yes that could be done at a young age. But FICO does not take into account authorized user accounts any more, so you can’t do that any more.
Know better? Leave your own answer in the comments!
Categories: Credit Score Questions Tags: Building, Credit, Score, Start