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Credit Building Options 

Congratulations to Sean D. for winning the 3day/2 night hotel accommodations for two at one of twenty destinations. Subject to $9-15 in room taxes. $15.00 fee for registering the certificate applies.

 

In order to be entered into this monthly drawing, you need to request a free credit analysis; have Identity IQ credit monitoring in place for at minimum of 3 months.

 

Once a quarter all our paid clients (registration fee paid) get entered into a drawing for an 8 day/7 night hotel accommodations in the Caribbean, Hawaii or one of several other locations. Room taxes apply. $25 fee for registering the certificate applies.

 

Do you wish some free Grocery Coupons or Restaurant Coupons. We can send those to you at no charge. Just let us know how many you would like. These are great  for prospecting, new business incentive, anniversaries, birthdays or just because.

 

Let us know how we can help you!

 

Credit Building Options 

Most of us get offers for credit cards that sound like this, “re-establish credit with pre-approved credit cards, regardless of credit history”. Some with low introductory rates and other perks.

The following are important terms to consider that generally should be disclosed in applications or in solicitations for credit that require no application.

  • Ask about these terms when you’re looking for a card.

o   Annual Percentage Rate. The APR is a measure of the cost of credit, expressed as a yearly rate. It also needs to be disclosed before becoming obligated on the account and on account statements.

o   The card issuer also must disclose the “periodic rate” the rate applied to your outstanding balance to figure the charge for each billing period. Some cards allow the issuer to change the APR when interest rates or other indicators called indexes change. Because the rate change is linked to the index’s performance, these plans are called “variable rate” programs. Rate changes raise or lower the finance charge on the account.

o   If you’re considering a variable rate pre-approved card the issuer needs to provide various information that discloses: that the rate may change; and how the rate is determined – which index is used and what additional amount, the “margin,” is added to determine the new rate.

o   At the latest, you also must receive information, before you become obligated on the account, about any limitations on how much and how often the rate may change. Free Period. Also called a “grace period,” a free period lets you avoid credit card finance charges by paying your balance in full before the due date.

Most companies charge annual membership or participation fees. They often range from $25 to $75, sometimes up to $100; “gold” or “platinum” cards often charge up to $75 and sometimes up to several hundred dollars.

Choice Credit gives many options. Some may include other costs. Some issuers charge a fee if the card is used to get a cash advance, make a late payment, or exceed a credit limit. Some charge a monthly fee whether or not you use the card. Choice Credit gives all the info needed to make a wise choice.

If there is not a free period, it’s important to know what method is used to calculate the finance charge. This can make a big difference in how much of a finance charge will be payed – even if the APR and the buying patterns remain relatively constant. Some companies are even starting their interest on the day your purchase is made and not at the end of the statement.

Below is by far our favorite option for rebuilding credit at this time. They charge a reasonable interest rate for rebuilding and establishing your credit, the fees are not out of control and most important, they report to all three bureaus.

Click here to start rebuilding! https://www.creditbuildercard.com/cfcinnovation.html

 

 

Show me the money!

We love this site because it’s all about free money. Money you may have left on the table. Do a search for your name and see if you left behind a deposit or forgot about an old savings account. Search for your family and friends too!  http://ucp.dor.wa.gov/

 

 

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