When you look at your credit reports, do you have a difficult time deciphering what is helping you and what is hurting you on your credit report? Here are some things to look for on your credit report: Delinquent Accounts This includes accounts that were inaccurately reported as delinquent as well as those that were [...]
If you are thinking about buying a home, it is often a good idea to check out your credit first. You should probably check your credit several months before you plan to buy a home to ensure you have time to take care of any problems with your credit. If your scores are so low [...]
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 [...]
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 [...]
No one wants to drive away in a dream car only to find he’s heading toward unwanted sacrifices. More than one consumer has bought an expensive automobile or truck and then found that he couldn’t afford to put gas in its tank. The prudent consumer can avoid this situation by reading and understanding the fine [...]
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 [...]
Did you know that not paying overdue book fines at the library can hurt more than your book-borrowing privileges? It can damage your credit score, as well as unpaid parking tickets. Public institutions can use credit to get people to pay their fines and fees. If someone has unpaid parking tickets, it could be killing [...]
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 [...]
Your credit score is one of the most important factors used to decide whether you will qualify for a major loan and what its terms will be. Every day, many would-be borrowers are denied loans, while consumers with strong credit histories are getting great rates on mortgages, car loans and student loans. Understanding how your [...]
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 [...]
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 [...]
In these tough economic times, everyone can benefit from these cost-saving tips. 1- Negotiate! Sometimes lowering your bills is just a phone call away. It doesn’t take any kind of special skill or secrets. Just tell the company that you want to cancel their services. In most cases, they will do anything to keep you [...]
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 [...]
There is a lot of information out there about credit. Not all of it is true, here are some common credit myths: 1. When I pay off a past-due account, such as a charge-off or a collection account, it will show “paid” and will no longer negatively affect my credit report. (Unfortunately, paying off a [...]
Research conducted by US Public Information Research Group in Washington, D.C. finds that: 29% of credit reports contain serious errors, false delinquencies, or accounts that did not belong to the consumer. 41% of credit reports contain demographic information that was misspelled, outdated or incorrect. 20% of credit reports were missing major credit, loan, mortgage or [...]
Most people think about their credit score when they are trying to get approved for credit. Maybe they are applying for a credit card or trying to get a home loan. A lower than average score is a red flag to lenders that you are more likely than to be late on your payments or [...]
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 [...]
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 [...]
Trinity Credit Services has successfully helped more than 20,000 people just like you improve their credit score. On average, we are able to permanently remove 85% of negative items from your credit report. Most customers see an increase of 60-160 points in their credit score. (Your results may vary). See more examples of our results. [...]
Trinity Credit Services works on your behalf to remove derogatory and unverifiable items from your credit reports. Our team is experienced in credit repair and restoration and they know how to deal with the credit bureaus and your individual creditors to get the results you need to increase your credit score. We can remove items [...]
Trinity Credit Services is the #1 credit restoration company in the U.S. for a reason–we have successfully helped more than 20,000 people restore their credit. Our work is guaranteed and permanent. Our customers choose Trinity Credit Services for: Custom-tailored credit repair service – Every person is different and so is your credit report. Highest success [...]
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We operate 100% legally and we are registered with the Secretary of State of California.
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