Let's Talk Credit
September 24 at 4:19 PM ·
LET'S TALK CCS LLC
September 17 at 1:25 PM ·
Stop walking that lonely road and get you a ride.
NOW LET'S TALK
LETS TALK
Student Loan Consolidation & Rehabilitation
LET'S TALK CCS LLC
September 15 at 10:32 PM ·
LET'S TALK STUDENT LOAN CONSOLIDATION
LET'S TALK CCS LLC
9 hrs ·
If you’ve looked at your rental history report and noticed it doesn’t paint a good picture of you – or you have been turned down for a rental home or apartment because the landlord saw a copy of your report – you may be wondering if you can take action to repair it.
This is where a professional accredited credit repair company comes in – we do not offer legal advice – but we do partner with our clients to address evictions and judgements.
Schedule a call and let’s chat TODAY!
LET'S TALK CCS LLC
October 7 at 9:28 PM ·
Shop with a Calculator
If you're trying to stick to a specific budget, then decide on that number—like not spending more than $50 at the store—and hold yourself accountable. One way to do this is to calculate every item as you add it to your cart.
LET'S TALK CCS LLC
October 5 at 11:37 AM ·
When creditors consider whether they’re going to lend you money, they’re making a risky decision. Specifically, they need to determine whether you’re likely to manage this credit responsibly and pay them back as agreed. Your credit score and file is one of the best indicators of that.
But if you have a thin credit file, creditors don’t have enough credit history to base this decision on. In some cases, the credit scoring model doesn’t have enough information to even provide you with a score. And when they do, if you don’t have multiple credit types and a decent history, the score might be low.
That’s because your score is mostly made up of five elements. They are:
Payment history, which accounts for 35% of your score
Credit utilization, which accounts for 30% of your score
Credit mix, which accounts for 15% of your score
Age of credit, which accounts for 10% of your score
Inquiries, which accounts for 10% of your score
LET'S TALK CCS LLC
October 16 at 11:49 PM ·
Buying a car with bad credit is possible—it’s just going to cost you. You’ll probably have a higher interest rate and require a bigger down payment, and you may have a much smaller selection to choose from than someone with a better credit history. If your plan is to get a new car - in 2021 and your desire to have lower interest rates - contact us today.
What is your credits age? The age of your credit plays a significant part of determining your credit score. Your length of credit history” is a category of FICO credit scoring that is seen as a strong predictor of future credit risk and it makes up about 15 percent of your score.
LET'S TALK CCS LLC
October 15 at 4:51 PM ·
What is your credits age? The age of your credit plays a significant part of determining your credit score. Your length of credit history” is a category of FICO credit scoring that is seen as a strong predictor of future credit risk and it makes up about 15 percent of your score.
Your employment status is not shown on your credit report and doesn't impact your scores, but not having a job could indirectly impact your credit if it causes you to fall behind on your debt payments.
If your credit needs a little help - let's address it together!
LET'S TALK CCS LLC
October 14 at 9:38 PM ·
Your employment status is not shown on your credit report and doesn't impact your scores, but not having a job could indirectly impact your credit if it causes you to fall behind on your debt payments.
If your credit needs a little help - let's address it together!
New Week, New Goals!
Now LET'S TALK!