Before you pay off any outstanding debt, make sure the debt is valid.  Get a copy of the contract between you and the original creditor.

If you have collections on your credit report – Try removing collection debt off your credit report first by completing this form below.  The form below will tell Equifax that you believe that the reported collection shouldn’t be there.  It may not be valid debt because you have never heard of this collection agency that is calling you.  In return, Equifax will determine in 30 days or less if the actual collection or debt is valid.  If the collection company that holds the collection (which might be an error) cannot prove that this is a valid debt, then Equifax will remove the collection information off your credit report.  Remember, first check if the debt is valid before you decide to pay it off.  You are entitled to see a copy of the contract between you and your creditor before you pay anything off.  Equifax must keep your credit report accurate an they try hard to do so.  This is why they provide a form as such below.

READ ABOUT IT
https://help-en.equifax.ca/app/answers/detail/a_id/297/noIntercept/1

THIS IS THE FORM
http://www.equifax.com/dispute-ca/canada-cr-update-form/en_ca

You will need to complete the form online, print the form and then I recommend faxing it to them @ (514) 355-8502.  Take note of the time and date of your fax and follow up with them 10 days after your fax was sent.  Remember you are telling Equifax that these are mistakes and that the collections shouldn’t be there.

Obviously you will need to get a copy of your credit report.  I just want to make you aware of a way that you can get something called Debtwatchers (see attached video).  It is a product offered by Equifax and they work with Primerica.  If you want to get a copy of your report via this way then click on this link and use this code: VHCS9.

https://my.primerica.com/

If you are trying to get a mortgage and lenders, banks & mortgage brokers are telling you no, not now, maybe in 6 months….then you must read below.  These are tips to increase your score.  If you need help to buy your home today…..try rent to own and we will repair your credit while you are in your rent to own home so you can qualify for your own mortgage quickly.  READ AT THE BOTTOM or click here.

Having a good credit score is very important in today’s society. It is something that many people should have and it is also something that people today would consider to be worthy to be doing just about anything to have a good credit score. By having a good credit score, applying for loans and unsecured credit cards is much easier.

If you already have a good credit score, you will want to boost it in order to obtain the best loan and credit card deals possible. For example, if you have a credit score of 688 and the loan company will reduce interest rate if you get a credit score of 690. The two points can mean thousands of dollars in savings from paying interest.

This is why it is very important for you to improve your credit score even if you already have a good credit score. It will mean lower interest rates and also more chances of getting the loans you need.

There are several ways on how you can significantly improve your credit score. Some ways takes time to achieve and some takes only a few weeks or even a few days to do. However, if you start working on it as soon as possible, you will see that it will be worth all the effort.

So, here are some of the ways you can boost your credit score. click here

The first method for boosting your credit score is to check credit reports for errors. Even minor errors can significantly hurt your credit rating. So, if you ever suspect that your low credit score is caused by an error, you should contact the credit reporting agencies and challenge them about the report. It is part of the law that the reporting agency should investigate and correct the errors within thirty days if there is any.

The next step on how you can boost your credit score is to pay off your balances every month. This can keep you out of debt and save a lot of money on interest rate. Also, this will demonstrate that you can manage your debt effectively and therefore, increase your credit score.

By having only a few credit cards, two at most, will boost your credit score. Having five or more credit cards will in fact, lower your credit score. This is why it is important for you to have only two credit cards.

If you borrowed money before, it is important for you to pay it on time. This will have a positive impact on your credit score because it will show credit reporting agencies and also creditors that you can manage your debt effectively. However, if you have borrowed money before and is long overdue, you should pay it immediately. In time, these old late payments will be deemed unimportant and it will expire.

Another way to boost your credit score is by managing your credit cards effectively. Don’t use your entire credit limit on each of the credit card you own. For example, if you have credit cards with a credit limit of 2000, 2500 and 3000 dollars, it is better to use 600 dollars on each card rather than 1800 dollars in one card. Always keep one thing in mind; it is best for your credit score if you only use less than 50% of your credit card limit.

These are some of the methods you can use to boost your credit card score. Following all these will ensure you that your credit score will increase and will result in better opportunities in the future.

The Home Attainment System™ will let you get started with $0 down payment saved, damaged credit and work with you until you buy your home.  click here

Rent to Own Your Next Home

Here are the seven levels:

7-Mastery
6-Experience
5-Discipline
4-Individual
3-Aspiration
2-Mass
1-Animal

Starting at the lowest level of awareness to the highest, here are brief descriptions of each level:

1-Animal: This level of awareness is the stimulus-response level, also known as the reactionary or the fight, flight or freeze level. There is very little, if any, thought at this level.

2-Mass: At this level, an individual is concerned about what others think about them. And it’s not what others actually think, it is what they think others think. Comments like, “what will the neighbors think”, “what will my parents think” are common questions asked at this level. This is the conforming level of awareness, or the “following the crowd” level. It is where the majority of people live their lives.

3-Aspiration: I like to call this level the “caterpillar” level. Imagine a caterpillar walking along a branch towards a leaf for a little dinner. While the caterpillar is eating the leaf, he says to himself, “I think I’m meant for more than this.” As a person starts to read quality information or listen to others with quality information, like Wallace D. Wattles, Jack Canfield, Michael Beckwith, Bob Proctor, Napoleon Hill and others, that person starts to realize that there is something more that they’re capable of.

4-Individual: After aspiring to something better, this person begins to acknowledge that he is a worthwhile, amazing individual that is capable of amazing things. But this level, by itself, won’t cut it. The individual level is intimately tied to the fifth level.

5-Discipline: This level is absolutely critical to the person who has aspired to break away from the Mass level of awareness. Without disciplining oneself to take action, there will be insufficient force to make that break from the Mass. It’s similar to the gravitational force of a planet, such as earth. Earth has a very large mass and therefore has a very strong gravitational force that keeps things on its surface. In order to break away from the gravitational force of the earth, a rocket has to have tremendous thrust. That thrust is similar to the discipline required for an individual to break away and actually do the things they have aspired to.

6-Experience: As the individual applies the discipline and does those things that will elevate him to new levels, the experience gained will reinforce that person’s awareness of his own abilities. This reinforces the individual and discipline levels of awareness and leads to greater and greater accomplishments. “That which we persist in doing becomes easier to do. Not that the nature of the thing has changed, but that our ability to do has increased.”

7-Mastery: At this level of awareness, there is a higher level of thought. This is where a person will respond instead of react. A person will stop and think; think and act. At this level of awareness, there is a higher level of humor, creativity, enthusiasm, excitement, love and gratitude.

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Rent to Own Your Next Home