It's tax season are you getting a refund?

It's that magical time of year that everyone has been waiting on. Uncle Sam has money with your name on it. How much are you getting back this year? What will you do with the money? Take a second and think that through thoroughly. If you have been looking into paying off debt, repairing your credit or investing those are all great options. Avoid the temptation to spend the money on things that will not benefit you long term. Remember this isn't free money, but instead money that has been put away for you into a savings account of sorts. When processing your taxes please avoid rapid refund options which can cost you hundreds of dollars in interest charges. Maximize the amount of money you put into your pocket. I wish you all well with your taxes. Subscribe as I will be adding more info soon.

Boost your credit score rapidly!

I thought that would get your attention. Honestly it's best to take the slow and steady approach to credit repair. The first thing you want to do is completely change your financial culture and increase financial awareness. Without a different mindset you will only find yourself back in the same place again. Once you have changed your outlook on money, spending and saving then you want to add positive credit. The best way to do this is in the form of a credit card or personal loan. You want to start establishing positive credit as soon as possible. Once you have that done you want to start working on removing negative items from
Your credit bureau report. This isn't an overnight process. Remember anything worth having is worth working for. I will be adding detailed information on this as time progresses. Thanks for following this blog.

Do you have any questions about credit?

There are many topics that I plan to cover in the coming weeks, but first I want to give you all the opportunity to ask me any questions you may have about credit. Email me your questions. martinrandyd@gmail.com

What is your credit score made of?

Pay your bills on time and you will have perfect credit. Not exactly. That is a common misconception of credit scoring. Your score is the result of a formula computed by the Fair Isaac Company. It consists of payment history (35%), debt level(30%),age of credit history(15%),number of credit inquiries(10%) and mix of credit(10%).To gain the best score you want to have multiple types of credit, keep low balances on your credit cards and only add new credit as needed. You want to avoid credit inquiries, late payments, collections, judgements and bankruptcies as these all have a negative impact on your score.

Introduction Video

They don't want you reading this. They want your credit to suck.

Major banks, credit card and finance companies won't admit it, but they want your credit to suck. They know that the lower your score is the more interest they can charge you on loans and bank products. They want to keep you in the sub-prime demographic to increase their profits. For the most part it works. Most consumers accept their horrible credit scores and continue to pay outrageous interest rates. Starting today I want you to become a fighter. I want you to demand justice for yourself and your family. Instead of fattening the bankers pockets keep that extra cash for yourself.

Welcome!

Thanks for stopping by my blog. The main goal here is to make each and every person that stops in here a little more financially aware than they were before doing so. Hopefully you will gain some knowledge of how credit works and how to improve your credit score while here. That can save you thousands in finance charges and get you approved for houses, cars, boats and credit cards that you never imagined possible. I'm no financial wizard, but I have been involved in big ticket retail transactions since I was 17 years old and I have learned tons about how credit works. I feel obligated to share my knowledge with you. It is up to you to take that knowledge and use it.