How to obtain the highest credit score possible. First we will give you the 5 cent tour on how your score is calculated. There are many sites that offer credit information. For more information you can read the whole lesson at: Credit Scores Website 1.        Your Payment History – 35% 2.        How much debt you owe – 30% - This is also directly related to how high your credit card balances are compared to what your credit limit is. 3.        Length of credit history – 15% 4.        New Credit – 10% This is why you do not want multiple credit checks (inquiries). 5.        Other  - 10% - Some miscellaneous items factor in such as correct information, different types of accounts, installment loans, and etc. can influence your score. The best ways for you to improve your credit are: 1.        Pay your bills on time. Delinquent payments and collections can really hurt your score. 2.        Keep balances low on credit cards. High debt levels can hurt your score. We will show you how! 3.        Pay off debt rather than moving it between credit cards. The most effective way to improve your score in this area is to pay down your credit cards. 4.        Apply for and open new credit accounts only when you need them. We help with this! 5.        Check your credit report regularly for accuracy and contact the creditor and credit reporting agency to correct any errors. We help with this! 6.        If you have missed payments, get current and stay current. The longer you pay your bills on time, the better your score. We help with this!   We will help you do all these steps when you lease purchase a home through us! Trying to do all the credit repair on your own can be like having a part time job. Just ask anyone who has had identity theft issues.

Common Mistakes People Make That Ruin Their Credit        Let’s start off by stating we have made this list by making many of these mistakes ourselves, so we do not claim to be any better than the rest of you. In fact, we can say, we have mastered the art of making mistakes! Now we know the signs to look for, so you don’t make them too. 1.        Paying bills late – Mail them out early. 2.        Impulse buying – Do you really need that item now? Is it going to help you own your own home? 3.        Spending money that “falls from the sky” on non-important things. Examples:                 a.        Quarterly bonuses                 b.        Tax returns                 c.        Settlements                 d.        Special Overtime          Often people look at this money as a freebie and just spend the money on things like TV’s, vacations, Christmas gift, and etc.  The point we are trying to make is save that money until you own your home and that no money is a freebie, you EARNED all of it. 4.        Overextending yourself                a.        If your car needs replaced, buy one that fits the needs of your family.                b.        Do not buy the digital cable with all the HDTV channels. Go without cable or just get the basics for now.                c.        Pack a lunch. Eating out costs on average $7.00 per day. That’s $150per month in fast food! It’s not                          that healthy either. 5.        Misuse of a credit card. 6.        Applying for too much credit.

Lose your job or just want a better one? Here is some free advice about finding employment: 1.        Just start calling. You can’t get a job if you don’t put your name out there. 2.        Write a resume. Most people don’t send in resumes, so if you do you are already a better candidate!   3.        Don’t get frustrated. You are worth it!  Sometimes you think, “Man what can I do, all I have done is blank, blank,     blank in my life and I don’t know what I am qualified to do?”  Many jobs you have done can crossover to other fields. If you have worked any retail sales you can work any other retail sales (it’s just a different product, but it’s still just “stuff” you’re selling). 4.        Expand your list of potential jobs. Using the above thinking, look through the paper again and think of 3 new jobs that you could apply for. 5.        Do not try vacuum sales, pyramid schemes, or door to door sales. These are highly unsuccessful and will actually COST you money not make you money. 6.        If you haven’t heard back from an employer, keep calling. Many times they are looking for the person that is most motivated. Or maybe they lost your number and are happy to hear back from you. Never assume they are not interested until they say they found someone else.                "Put yourself in the path of opportunity as much as possible, then you will be more likely to get hit by it!" - Mark ©2006 Alternative Investments, LLC