Did you see the Sunday paper? Headlines
Did you see the Sunday paper? Headlines in the Real Estate Section said if you are thinking about buying a house the FIRST THING you should do is CHECK YOUR CREDIT! After you get your credit you can get a free credit review so you can maximize your scores by calling 888-349-3481 or emailing us at info@usccra.com
Did you know your credit card balances c
Did you know your credit card balances could be costing you thousands of dollars in interest and lower credit scores? For a free credit review or our free report on how credit cards are costing you big time, email us at info@usccra.com
Are you buying or refinancing a home soon? Well get ready for “risk based pricing” coming to a lender near you! If you have any “credit dings” they may cost you more when you get your home loan. New disclosures will be made available to you outlining your credit risk if you have credit issues. On every $100,000 your additional risk based fees could be $250 – $3250!! Email us at info@usccra.com for your free credit report review today.
Are your limits on your credit cards being lowered as you pay your balances down? This could be lowering your credit scores! To find out more about the new credit card laws passed in 2010 email us at info@usccra.com for the free report “new credit card laws”.
Did you get or will you be giving a “gi
Did you get or will you be giving a “gift card” this Christmas season? Well the new law states that even if you stuck an old one in the drawer it may be good for 5 years! The new law also states that the store cannot charge an “inactivity fee” for at least 12 months. So use them if you get them, then its no problem! For our press release on the latest changes just email us at info@usccra.com and put “ccard changes” in the subject line.
Should I take advantage of those store c
Should I take advantage of those store credit card offers for a discount on a purchase? Hey we all get these, your standing in line and they offer you a discount on your purchase if you qualify for an in-store credit card. Our recommendation is if you have 2 or 3 already that is all you need to keep you scores up! All you really need is one or two revolving accounts reporting on time payments to have great scores. If you have great scores and just want the discount on the purchase that is entirely up to you. A new card with a full balance will usually bring down your scores for a short time until you show a lower balance and payment history. Questions? just email us at info@usccra.com
Did you know that if you are under 21 yo
Did you know that if you are under 21 you might not be able to get a credit card? Thats right, the new laws have taken effect and unless you have a co-signer or can show financial responsibility you will not be able to get a credit card! For the press release with the changes that may affect you email us at info@usccra.com and put “ccard laws” in the subject line.
If a collection is removed from my credi
If a collection is removed from my credit report and it still has a balance, do I still owe it? This is a great question! Items that are verified and are yours can be removed if they are not being reported accurately. But this does NOT remove the legal liability that you still owe the debt! So the collection agency can still call you and try to collect the debt even though its been removed from your report. You may also want to check the SOL or statue of limitations for the debt in your state. If you have any questions about it just send us an email at info@usccra.com.
If a collection is removed from my credi
If a collection is removed from my credit report and it still has a balance, do I still owe it? This is a great question! Items that are verified and are yours can be removed if they are not being reported accurately. But this does NOT remove the legal liability that you still owe the debt! So the collection agency can still call you and try to collect the debt even though its been removed from your report. You may also want to check the SOL or statue of limitations for the debt in your state. If you have any questions about it just send us an email at info@usccra.com.
How does a foreclosure affect my credit
How does a foreclosure affect my credit score and how soon can i purchase a home again? USCCRA is getting that question allot. For a free “waiting period guidelines just email us at info@usccra.com. The bad news is foreclosures may hit 3.5 million people and this wave it mostly attributed to lost jobs in the economy. The next wave? Over 300 billion in adjustable rate loans will reset to higher payments over the next 12-24 months. If you would like a free credit report review or have debt or credit questions visit our site at http://www.usccra.com or email us at inof@usccra.com
