Paying off your debt is critical to getting back on your feet financially. This requires self-discipline, willpower and commitment. Here are some tips to help you do it fast. Pay The Card With The Highest Interest First If you have several cards with varying interest rates, it is best to pay off the one with [...]
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 [...]
The economy is still in the recovery process and there is still a lot of unemployment. Many experts recommend that you have several months of earnings saved as a safety net in case of illness or job loss. That is easier said than done. If you are in between jobs, you may need to access [...]
Most people only find out how bad their credit is when they apply for a loan, apartment or insurance and are rejected for having poor credit. Suddenly they begin to care about the three numbers calculated by FiCo and want to learn how to repair their credit. Of course, it is much better to start [...]
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 [...]
10% of your credit score is determined by the number of inquiries made for your credit report. Credit inquiries are placed on your credit report each time a business requests a copy of your credit report. The Fair Credit Reporting Act (FCRA) requires businesses to have an acceptable reason for accessing your credit report. Some [...]
Whenever you apply for a loan, your lender/creditor checks your credit report to predict your creditworthiness. It is advisable to check your credit report at regular intervals to see if you have any errors and get them fixed. Annually you should review your credit reports and verify the following information: – Your social security number [...]
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 [...]
Step 1 Start early in the year by creating a holiday savings fund. If you deposit $20-$50/paycheck into a holiday savings fund, by the end of the year you will have extra money to spend on presents and other extras. This is a fairly painless way to save some extra money. Step 2 Get a [...]
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 [...]
Home buying can be complicated and stressful, but if you plan carefully, buying your dream home can become more fun and less work for the entire family. Following these steps can help make your dream a reality. Be prepared When mortgage lenders review your credit report, they evaluate how much you already owe, how much [...]
By Katie Adams INVESTOPEDIA ULC ©2009 While many experts can’t decide if the recession is nearing its end or not, we do know that there hasn’t been a tremendous surge in wages, job creation or the stock market. Consequently, most of us are staying pretty conservative on our spending. Here are a few relatively simple [...]
by George Anders published: 08/16/2009 Parade Magazine More than one million Americans filed for personal bankruptcy last year—an increase of more than 30% over 2007. Unexpected medical bills are a top cause of personal bankruptcy. Other reasons include losing a job, struggling through divorce, getting stuck with an unmanageable mortgage, or simply going on a [...]
by Prashant Gopal Wednesday, June 24, 2009 provided by BusinessWeek After years of getting Americans hooked on credit, card companies are slashing limits and weaning themselves off all but the safest customers Terry Mazzera has worked to keep her credit score above 730, paying bills on time, sending in more than the minimum credit-card payment [...]
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 [...]
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 [...]
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We operate 100% legally and we are registered with the Secretary of State of California.
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