7 Reasons Why You Need to Fix Your Credit!
Have you been thinking about fixing your credit? Did you know having bad credit can leave you homeless, without a job, and carless? Daily, more businesses use credit to make decisions about you and me, and if we do not start taking our credit seriously, we will be stuck using payday loans, renting, weekly car payments, and living paycheck to paycheck.
Here are 7 reasons why you need to fix your credit!
- Stop paying astronomical interest rates
When you have a lower credit score you typically pay higher interest rates and finance charges. When you have a good credit score you will be able to apply for competitive interest rate products, and you will save on the amount of interest you pay on accounts monthly.
- High-Security Deposits No More
Cell phone and utility companies all require a deposit when you have bad credit to establish service. These creditors do this to mitigate their risk of you defaulting. If you make your payments on time then the creditor will give back your deposit. What if you did not have to put a deposit down when you open an account? Could those monies be used towards your housing needs??
- No More Collection Calls
When you improve your credit score it includes paying off collection agency debts. The longer you put off improving your credit score means you will have to deal with the daily calls and letters from debt collectors. You can take action to place a cease and desist on phone calls, but that is just kicking the problem down the road!?
- Good Credit Score = Happiness
You have improved your credit score congratulations! Now you are not afraid to check it, but better yet you have the confidence to have someone else check it! That must make you feel great!
- Buy a Home
Are you wanting to achieve the American Dream? If so, having bad credit makes that dream a nightmare! Banks and mortgage lenders will not approve you for a mortgage until you fix your credit. A lender that does approve you with bad credit will charge you a high-interest rate, which will make owning a home very costly.
- Buy a car (Newer for sure!)
Dealerships, auto lenders all use credit to determine if they will lend to you. Without good credit, you will not be able to purchase a better car, and you will be stuck driving your current car that breaks down monthly.
- Land Your Dream Job
When you apply for jobs did you know that employers do check your credit as part of the hiring process? If you are applying for a government, financial, or executive job these positions will potentially require more information about your financial history.? Having bad credit could cost you this job and any future promotions you have been working hard towards.??????
Improving your credit can be an overwhelming process, and you may not know where to start. There are resources available to help you. If you have bad credit and want to buy a home, we are here to help you! Before you can start this journey you need to answer one question: Are you ready to make these changes in your life today?
If you are ready please schedule time with us to discuss the next steps with the link below:
Just MOVE On!
Have a Happy New Year!
Chasing Happiness For ONLY one Month!!!
Happy Monday!!!
We are back to another work week...
And when I worked 9 to 5 I had an issue with using my?#vacation?time effectively...
I would work like a demon throughout the year and by the time the end of the year came I needed to take 4 to 5 weeks of vacation or lose it!!
Well, that is not a good use of time, but when I did take that time off, I really focused on the things that made me?#Happy...
Be better than me and focus on your happiness all year long!
Happy Monday!
#realestate?#entrepreneur?#Podcast?#BestAdvice?#TruPodcast
Persistence Awaits You??
Hey guys, Ryan DeMent from TruPodcast here. I hope that you guys are having a great day. I wanted to get back on the persistence train, and where that's going to take you, and where it takes all of us on a daily basis. The thing that I want to start with is time management. Fortunately, today's Friday, and most people that work Monday through Friday get the weekends off. They can let their hair down, relax, and do necessary things around the house. But are you effectively managing your time to do productive things that help you meet or exceeds your goals? Or, are you just binge-watching Netflix, Amazon video, or whatever the case maybe? Could you have taken just an hour of your time binge-watching to be able to put quality time into achieving your goals??
My personal thoughts are if I've got an hour of time that I just want to sit and watch TV, what else can I actually do instead? But that's just me personally because that's what I have learned while chasing after my own personal goals. There's time to just rest, time to recuperate, and then there's time to just chill out and spend valuable quality time with family and friends. I get all that.?
But are there hours in your day that you're wasting precious time, instead of focusing on yourself, your goals, and what you want to achieve? So what I want to say to suggest to you is the following. Hopefully this weekend, you could make time, whether it be an hour,? 30 minutes, or just 15 minutes, to focus on your goals and being persistent with their requirements. I challenge you to that. Figure out how to find that time during this weekend, and get those things done. I'll talk to you guys on the other side.
The Re-Launch: Why patience is a %&$#*&^!
Well guys and girls it is finally here! The first episode of the re-launch of TruPodcast! I am excited, nervous, and pretty stoked that I am getting to share my life experiences with all of you. All I can say is that I have put this out there and there are two things that will happen. Either you will like what I have said or not, but for me, it is a win either way!
This week I discussed "Patience", not to be confused with Patient....As we all know those two words get misused on a daily basis. What I discuss in this episode is:
- Chasing the OLE MIGHTY DOLLAR
- Focused on others and their successes are better than mine
- What you "Put Out There" is what you get back in return
Please Like, Comment, and Subscribe!
Have a great day! And here is to many more episodes with you!
TruHome Trucks Hitting the Road
We could not be happier with how our Logo looks on our trucks! Be on the lookout for us around Evansville and the surrounding areas! Please follow us on FaceBook!
$10,000 Grant-CARES Act
https://youtu.be/f63y_avJzDU
In this video, I discuss the $10,000 Grant that is available via the EIDL SBA Loan for Small Businesses. There is $10 Billion worth of these grants available and it is first come first serve! Even if your business does not qualify for an EIDL Loan you still can get this grant for business expenses!
Disclosure: I am not a CPA, attorney, insurance, or financial advisor and the information in these videos shall not be construed as tax, legal, insurance, or financial advice. Please review said information with your attorney, tax or financial professional for guidance.