“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 [...]
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 [...]
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 [...]
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 [...]
As consumers, we have been trained by the credit industry to equate the contents of our credit report with our credit worthiness. This is not necessarily true. Government research has recently discovered that the majority of consumers in the United States (about 79%) have inaccurate credit reports. If you have a bankruptcy, your chance of [...]
This holiday season, many people pull out their credit cards to purchase Christmas gifts. Some people are lured into opening store credit cards to “save 10%” or receive “no interest ’til 2012″ or something like that. While you are in the shopping mode, you may not be thinking about how this affects your credit report [...]
The holidays are a joyous time of year, but many Americans overspend on gifts and celebrations. The overspending can cause serious harm to your credit score. The good news is that this is the best time of year to improve your credit score. Here are some tips to protect and improve your credit score: 1. [...]
Credit repair has always been important. Mortgage, auto and personal lenders have long relied on your three-digit credit scores to determine if you are creditworthy enough to qualify for a loan. Lenders also rely on your credit scores to determine how much interest you’ll pay on these loans. But today, lenders aren’t the only ones [...]
Congratulations on making the important first step to repairing your credit. In addition to signing up for our program, here are a few tricks of the credit repair trade that will really make your scores move fast. Open New Accounts The FICO scoring model will give you bonus points for opening new accounts after a [...]
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 [...]
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 [...]
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 [...]
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. [...]
- 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 [...]
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 [...]
If you are in need of getting your credit cleaned up, you have two options: try to repair your credit yourself or hire a reputable company like Trinity Credit Services to do it for you. With time, research and effort, you may be able to repair your credit. Here are some reasons why it may [...]
It is important to check your credit reports several times a year so that you know if there are any mistakes on your report and also to catch any fraudulent use of your credit. If you apply for credit or a loan, records of your previous dealings with money are vital. Whether you get the [...]
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 [...]
Congratulations on taking the first step to financial success. As you start on this very important path to repairing and restoring your credit, there are some tips to ensure credit repair success. Make Your Payments on Time If you continue to make late payments, the work Trinity Credit Services does for your credit report can [...]
A few years ago, a score of 620 or higher was good enough. That increased to 680 in early 2008. Then it jumped to 720 in April last year and 740 in August. In the past, any score of 700 or higher would get a double thumbs-up from credit experts. Now, rate adjustments begin kicking [...]
We are becoming increasingly dependent on using credit to make purchases. These days, having good credit is not only important when you want to obtain credit cards or apply for loans, it is also important when you apply for new services like phone and cable. Home When is comes to where you live, having good [...]
Have you been thinking about what you’d like to change for the New Year? Many New Year’s resolutions involve improving health or getting rid of a bad habit. In addition to making those positive resolutions, also consider how much your life would improve if you also resolved to improve your financial health. Get Your Free [...]
Consumer debt is at record highs, and many Americans find themselves overextended. If you are going through a time when you can no longer get credit, it may be because you have damaged your credit rating. In order to get your credit rating back where you want it to be you will have to make [...]
Many people who come to us seeking credit repair do so because they want to buy a house and can’t get the loan they need. Or their car is about to die and they need to buy a new one ASAP. Often the time frame for credit repair is very short. The problem is that [...]
A question we get asked all the time is “How much will my credit score go down if I have a bankruptcy on my credit report?” In the past, we had no way of knowing exactly how much the score would change. FICO has kept their proprietary scoring methods under wraps—until now. They have revealed [...]
Everyone has a different credit situation, so the answer to that question really depends on your credit scores, when you need credit and what your goals are. There is a common misconception that all credit repair companies are an illegal scam. This is simply not true! Trinity Credit Services has helped more than 20,000 people [...]
Are you aware that the best time of the year to repair your credit is during the holiday season? Due to the fact that 80% of credit bureau employees, collection company employees and creditors take vacation from November to January, you have a huge advantage when you take action to restore your credit during this [...]
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 [...]
Trinity Credit Services is one of the few credit repair companies that operate legally under the guidelines of the FTC. As an educational tool, we have put together a list of common credit repair scam techniques in an effort to prevent consumers falling victim to credit repair scams. Be very cautious of: 1. Companies that [...]
You finally got an interview for the jobs of your dreams. Your background and experience are perfect and your references are impeccable. You hope for an offer soon. Then the hiring manager says they just need to do one more thing: run a credit check. Oh no! Depending on the kind of position you’re looking [...]
Credit Scores The big three Credit Bureaus (Trans Union, Experian, Equifax) do not share information with one another. Differing scores between the three credit bureaus can result from one bureau reporting information that is not reporting with another credit bureau. If your credit scores vary between the three bureaus by more than 50 points, this [...]
by Jeremy M. Simon Sunday, November 29, 2009 provided by CreditCards.com Disclosed for the 1st time, ‘damage points’ taken off for late payments Borrowers already knew that late payments hurt their credit scores, but for the first time, they now know the extent of that damage. Did you max out your credit card? Expect a [...]
Credit scores give lenders a fast, objective measurement of your credit risk. Before the use of scoring, the credit granting process could be slow, inconsistent and unfairly biased. Credit scores have made big improvements in the credit process. Because of credit scores: People Can Get Loans Faster Scores can be delivered almost instantaneously, helping lenders [...]
Obviously making late payments or missing payments altogether is going to wreck your credit score. Fortunately, not all missed and late payments are counted equally. The FICO score weighs missed and late payments by several criteria, including recentness, how late a payment was and the frequency of missed or late payments. Recentness has the most [...]
Did you know that more than 70% of all credit reports contain errors? That is why it is so vital to review your credit reports at least once a year. If you find errors on your report, you can try to dispute them yourself. You may get some good results, but if you want the [...]
New credit doesn’t mean a shiny new credit card; it means a lower credit score, at least in the long run. Here is why: First, new credit accounts lower the average age of your credit history. If you’ve had one credit card for 20 years and then you open five new store cards because you [...]
Creditors and lenders want to see people use just the right amount of credit. Using too little sends up red flags and using too much sends up flares and fireworks! The credit scoring model favors lots of credit that is not utilized too little or too much. Having many low balances on several cards rather [...]
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 [...]
A quick way to guarantee that your credit scores drop is to reduce your available credit by closing accounts. Credit scores are not built around common sense. Doing away with unused lines of credit would make sense to most people, but not to a credit-scoring model. Some things that can lower your credit score are [...]
Unfortunately, legitimate credit repair and restoration companies have taken a lot of heat over the last decade because some organizations made false claims and often times did nothing to help consumers. The FTC and state attorney generals have been working hard to remove the bad companies and to make sure the good ones are operating [...]
After you have gone through Trinity Credit’s restoration process, it is important to handle the credit that you have wisely. Here are some simple tips to help you manage your credit wisely. 1) Keep your credit to debt ratio in check. If you spend more than 50% of your credit limit each month, this sends [...]
In a study by the Fair Isaac Corporation, it was discovered that 49% of the people polled did not understand that credit scores measure their credit risk. Chances are you too may not know how your score affects your life. Your credit score follows you everywhere. Your credit score determines: For which types of credit [...]
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 [...]
Your credit score determines if you will get approved for credit and at what interest rates. In order to save money, it is important to try to improve or maintain your credit score. If you need credit restoration, please contact Trinity Credit Services at 1-888-669-7372 for you FREE Credit Report Evaluation. Payment History Tips Pay [...]
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 [...]
Many consumers are under the impression that there is nothing that can be done to change the information on their credit report. Thankfully, this is not true. We demand the validation and verification of derogatory information using the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Transaction Act [...]
Most “credit repair” companies have a one-step system where they send out one form letter to each of the credit bureaus. You can do this yourself. The problem with this method is that there is only about a 10% chance anything will be removed. If an item does get removed, it will likely put put [...]
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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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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