“The best time to plant a tree was twenty years ago. The second best time is now.” -proverb Are medical bills piling up? Have you recently gone through a divorce? Is your home in foreclosure? Don’t worry–Trinity Credit Services is here to help! Trinity Credit Services was founded to help people just like you get [...]
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 [...]
Credit History makes up 35% of your credit score. Your most recent history (the last 2 years) matters the most. When you look at your FICO score and your score isn’t as high as you would like, it is most likely due to a few bad marks on your recent credit history. Many factors go [...]
If I declare bankruptcy, I can begin my credit report all over with a clean slate. When you file for bankruptcy, every credit account that you decide to include in bankruptcy will become an “included in bankruptcy” account. Additionally, a bankruptcy filing and bankruptcy discharge listing will appear in the court records section of your [...]
Each indecision brings its own delays, And days are lost lamenting over lost days. What you can do, or dream you can do, begin it; Boldness has genius, power and magic in it. ~ Johann Wolfgang von Goethe I love that quotation. If you need to change things in your life, don’t just sit there–take [...]
Credit repair may sound easy in concept, but it is often very difficult in practice. This is why most people hire trusted credit repair experts like Trinity Credit Services to fix their credit for them. It takes a lot of time and know-how to contest the negative information on your credit reports. The process is [...]
Many of our clients have compromised credit due to bankruptcy. Most people do not know anything about bankruptcy unless they are in the middle of it themselves. The following list breaks down bankruptcy jargon. Creditor The person or organization to whom the debtor owes money or some other form of legal obligation. Debtor The person [...]
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 [...]
Poor Judgment Many times people need to fix their credit because they got in over their heads. Don’t get me wrong I have been there and done that. We get a credit card, see something we want and buy it. Or we decide to buy a new sports car even though we know it costs [...]
Filing for bankruptcy is a complicated legal process; you can do it on your own, but it takes a lot of time and work. For most people, it will be helpful to consult with a bankruptcy attorney. They will begin by asking questions to determine your personal financial situation and which type of bankruptcy filing [...]
Budget When you begin a credit repair program, it is essential that you also learn to budget your money. Begin the process of gathering, sorting, categorizing and understanding the money you earn and spend. Build a Solid Foundation If you want to repair your credit, you need to make sure you have a solid foundation. [...]
Many people believe that the costs associated with having bad credit can be avoided. For example, people with bad credit pay higher interest rates, but they could pay in cash instead. People with bad credit pay higher mortgage rates, but they could just rent. Cell phone plans are more expensive with bad credit, but you [...]
Credit Reports generally contain five types of information: Identification Information Information such as the name of the individual, current and previous addresses, and Social Security number. Trade Line Information Detailed information reported by creditors on each current and past loan, lease, or other debt (such as utility and medical debts). Public Record Information Information derived [...]
- Registered with the Secretary of State and 100% Bonded, which means we are operating legally. – Operating under the guidelines of the FTC (Federal Trade Commission). – 6 month program only, best results will typically be seen in the first 90 days. – Multi-step process (certified mail sent to original creditors, all 3 credit [...]
Are you trying to buy a home, but can’t because of poor credit? In order to qualify for a mortgage, your credit score needs to be 620 and above. For anything below 740, there are price implications. People who have a lower debt-to-income ratio, might be able to get a Federal Housing Authority-backed mortgage with [...]
The first credit card that could be used at multiple locations was offered by The Diner’s Club in 1950. Visa was originally called BankAmericard. Mastercard was the first company to use holograms to prevent fraud. American Express started off as a shipping company in 1850. Visa stands for Visa International Service Association. Discover Card was [...]
There are several terms related to credit restoration and repair that are good to know. Our team at Trinity Credit Services wants our clients to be educated about how credit can affect many aspects of their life. Credit Report U.S. citizens have a credit report documenting their financial history beginning at age 18. Everyone starts [...]
Your credit report scores will determine your eligibility for a mortgage and the interest rate of your loan. A mortgage is a type of secured loan, worth the amount of what you are paying for your house, or slightly less depending on your down payment. Types of Mortgages There are many different types of mortgages, [...]
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 [...]
There are approximately 250 million registered vehicles in the United States. About 8 million of these cars, SUVs, trucks and motorcycles were bought from dealerships in the last year. In most cases, the buyers of these vehicles needed some sort of auto loan. An auto loan is a type of secure loan in the amount [...]
The Fair Credit Reporting Act (FCRA) gives people the right to contest and challenge incorrect information on your credit report. Not only is it your right, it is your obligation. Regardless of this right, many people feel scared by the credit repair process. When credit repair is done correctly by a trusted credit repair company [...]
Everyone starts off with a clean credit slate at age 18. Using credit to establish a good credit history from the beginning is wise. Trinity Credit Services currently speaks to young people to help them get the best start possible. (Call us at 1-888-669-7372 for more information about our credit education program). Many people don’t [...]
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 [...]
You probably know how many credit cards you have and about how much you owe on each card. But do you know what your credit score is? Or how your credit score impacts your life? Here is what you need to know about your credit score: Credit History Is Important Lenders look at your credit [...]
We operate 100% legally and we are registered with the Secretary of State of Texas.
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Trinity Credit Services is agreed to the Fair Credit Reporting Act
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Trinity Credit Services is bonded as required to operate legally.
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We are listed with Dun & Bradstreet
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We operate 100% legally and we are registered with the Secretary of State of California.
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We operate and are governed by the FTC's guidelines and have a 100% money back guarantee written on our contract to protect the consumer.
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