Did you know that people with poor credit scores pay thousands of dollars more in interest on their credit cards, home loans, and auto loans than people with good credit? If you have poor credit, you should consider getting your credit fixed. Improving your credit takes time and has an initial cost, but it is [...]
There is a lot of misinformation about managing your credit and debts. Here are some of the biggest credit repair myths so you know fact from fiction. 1: Amount of debt affects credit score. “It was only for $50. It shouldn’t affect my score very much.” Fact: It doesn’t matter if you have an outstanding [...]
Bruce Lee once said “To hell with circumstances; I create opportunities.” Everyone has difficulties in life. Often times it is one’s attitude that makes all the difference. One of the best ways to feel better about your financial situation is to find out where you stand and make a plan to change it. Our expert [...]
It costs far more to do nothing about your credit problems than it does to sign up for a credit repair program like Trinity Credit Services. Did you know that for every 1% in interest on a 30 year mortgage is equivalent to 25% of the amount financed. Example: $100,000 loan at 7% will cost [...]
When you are in the market to buy a home and you have bad credit, you have a few different options. Before you commit to anything, it is a good idea that you evaluate your options before you make this important decision. Most people are stuck paying off their mortgage for the next 30 years, [...]
Credit scores can range from 300 to 850. The higher your score, the more credit-worthy you are deemed to be. We all know what you can do to improve your score, but do you know what you can do to ruin your credit? If you do any of these, you are in the process of [...]
Bad credit affects people financially, emotionally and psychologically. We assume that people who fail to pay their debts are “losers”. If we get in over our heads in debt, we can’t help but feel this way about ourselves. With bad credit comes embarrassment, shame, anxiety and depression. It doesn’t have to be this way. If [...]
When you are looking to move to an apartment, do you consider your credit? No? Well, landlords do and that is why it is so important to have good credit! Your credit report indicates to a landlord your reliability and credibility. The better your credit, the less risk you pose to the landlord. If you [...]
Are you holding off getting your credit fixed because you think you can’t afford it? Having bad credit may be costing you more than you think. Our world is becoming more and more credit driven and having bad credit makes some services more expensive. If you have really bad credit some things you may want [...]
Do you have bad credit? Having a bad credit score can reduce your chances of getting a loan, getting a new credit card or even getting a new job. To fix a bad score, it is beneficial to use a trusted credit repair company such as Trinity Credit Services. We will go over your credit [...]
When you hire Trinity Credit Services to repair your credit by getting rid of the negative credit report information your credit score is likely to go up. In some cases you will need to repair your credit and build your credit to raise your score to a level high enough to get loan approval and [...]
In efforts to prevent you from becoming a victim of “good credit gone bad”, you need to work to keep your credit in good standing. If you don’t work at maintaining excellent credit, you may find yourself with credit denials and collection phone calls. If you are faced with a dropping credit score, the first [...]
By now you probably know how your credit score affects many areas of your life from qualifying for a mortgage to whether an employer hires you for a job, but have you made a plan to improve your credit score? If not, it could be costing you. When it comes to your home mortgage, auto [...]
Consumers shouldn’t close their credit accounts in good standing. And putting them in the freezer in case of an emergency also may backfire. Creditors hate to lend just anyone vast sums of money. Most recently, lenders have taken a use-it-or-lose-it attitude–preferably lose it. Consumers encounter two pitfalls if creditors close accounts for non use: The [...]
Your credit score is a “snapshot” of your risk at a particular point in time. It changes as new information is added to your bank and credit bureau files. Scores change gradually as you change the way you handle credit. For example, past credit problems impact your score less as time passes. Lenders request a [...]
If you have tried to get a home loan and have been turned away in the past because of bankruptcy, bad credit, or sub-prime credit – we can help! Truth about bad credit Did you know the average credit score in the United States is only 692?* It is now even more difficult for the [...]
Unfortunately the divorce rate has been increasing in the United States. Far too many people go through these painful breakups. To make matters worse, the split is not only causes emotional pain but often times it also causes financial strain. In some occasions there are people who have been responsible with their credit for years [...]
Your credit affects more than you think. Here are just a few aspects of your financial life that are affected by your credit: Employment Opportunities: Employers in today’s market investigate your dependability along with your track record of responsibility based off of your credit. Employers look to see how you manage your personal finances and [...]
You know the effects of bad credit. You have to rent instead of own. You have trouble getting approved for real estate mortgages and other financing. You sweat when the car dealership looks up your credit because you know you either won’t get approved or you will have to pay high interest rates. You have [...]
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