Credit Education

Credit Counselor: Healthy, Wealthy, & Wise Credit

13 January 2014

Ben Franklin once said “early to bed and early to rise, makes a man healthy, wealthy, and wise.” Unfortunately, Ben wasn’t able to predict the complicated financial world we live in and how difficult it can be to stay on the path to prosperity. The health of your credit is measured by a number of factors. On-time payments, length of account history, and number of open credit line...

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5 Biggest Credit Repair Myths

24 May 2011

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 bill for $10.00 or $10,000  a collection is a collection, and any collection will lower your cr...

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How To Ruin Your Credit

11 October 2010

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 doing some serious damage to your financial reputation.Don't Pay Your BillsThe most important part of your credit score is your repayment...

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Top Tips for Building a Solid Financial Foundation

29 September 2010

BudgetWhen 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 FoundationIf you want to repair your credit, you need to make sure you have a solid foundation. There is little point in investing the time and money towards credit repair services ...

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Common Credit Myths

24 September 2010

MYTH: A Higher Income will Increase Credit ScoresSo many people say "do you know how much money I make?" when they get decline letters in the mail or don't get the best interest rates or highest credit limits. The assumption is that an impressive salary leads to a great credit report and score. You salary has nothing to do with your credit scores. Lenders use your income to determine your credit c...

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Poor Credit Keeps Many Buyers Out of Housing Market

23 September 2010

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 a credit score as low as 580. People with really poor credit are better off renting to...

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Fun Facts About Credit

22 September 2010

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 introduced by Sears in 1985 and offered no annual fee.Fun...

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Credit Terminology

21 September 2010

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 ReportU.S. citizens have a credit report documenting their financial history beginning at age 18. Everyone starts out with a clean slate at this time and it is a good to learn abou...

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You Have the Right to Clean Your Credit

13 September 2010

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 such as Trinity Credit Services, your credit report and score can cha...

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Building Credit Worthiness

10 September 2010

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 realize that your credit history affects many aspects of your fut...

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