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Comment by Kandace Wilson on April 14, 2010 at 1:38pm

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Comment by Hardest Working Woman In Credit on November 4, 2009 at 11:53am

Stop by and join the fan club at www.creditadviseforyou.ning.com. Make sure you re-post the videos and forward the videos. It's time for change and millions of people do not know the truth about credit. The BLAME is on the consumer. But who forgot to TEACH THIS IN OUR SCHOOL SYSTEM AND COLLEGE.

Thank you for you assistance. Be blessed and remember to bless others. If we want change, it's up to us to change.

Free education!

The Credit Expert, Author of Innocent Victims online at Barnes and Nobles, Books A Million, Walden Books, and amazon.com

Facebook- Post Your Credit Questions!!!
http://www.facebook.com/album.php?aid=2039501&id=1077713925&...

YouTube-Subcribe to free on going credit education. Make sure you leave comments!!
http://www.youtube.com/user/PASTnations


RE-POST and let's get educated...Send through emails and forward to friends. I am only ONE person and I need your help. Remember one person can change the world. This does not cost a cent so forward...

Contact me at advocate102@hotmail.com
321-287-0986

Free workshops for the first 30 churches. Book for next year! This year has been booked already.. NO excuse, change is coming!!

Comment by Hardest Working Woman In Credit on July 30, 2009 at 3:37pm

Despite what you may have heard or read. I'm going to share some helpful tips for you. Contray to what someone may have told you etc.. It is NOT a good idea to get everything in BOTH of your names. Certain accounts like a home yes.. But you must be very careful when planning you finances as a married couple.

Our colleges do not teach us this information. You only find out by making the mistakes after the fact. My mission is to educate you about credit and how it can impact your life. Especially, when it comes to having GOOD CREDIT. If you are young and have not been impacted.. you may want to avoid the following mistakes.. If you have made them. there are ways to attack them and correct them..If you cannot get approved for that house or car, you may want to join my fan club. Also, get the book INNOCENT VICTIMS online at Barnes and Nobles. You can ask me questions and I will help you get on the RIGHT track through my fan club www.creditadviseforyou.ning.com

There are so many tips to avoid and I do not what to overwhelm you with credit Jargon. However, just know that your degree does you no good if you are not prepared for LIFE. You can get a good job and struggle day to day-pay check to paycheck.. even with a college degree.

What do you Avoid?
Avoid creating DEBT together. Do not put everything in your NAME together. This is one of the biggest mistakes couple make. To be honest, I did it at age 18..

The other costly effect of getting everything together is that you could both suffer if the marriage does not work. You both will end up with bad credit, especially if both of you decide not to pay any of your accounts that you got together(while being married).

Make sure you know what your husband/wife may add you too aswell. Know the pros and cons and get in the game of life.. You can survive the game if you know the FACTS.

Author of Innocent Victims-A must read for ALL Americans

Comment by Hardest Working Woman In Credit on April 29, 2009 at 1:23pm

STUDENT LOAN ALERT, JUST THOUGHT I'D PASS THIS TO YOU GIRLS, WHEN YOU ARE REVIEWING CREDIT FILES..

In my research, one of the errors with student loans is duplicated loans. Years ago, prior to the wake of Identify Theft, most of the student loan ACCOUNT numbers were with your social security number.

Let me give you an example. Let's say you opened an account in 2000. Your account number was your social security number. Therefore, whenever you applied for CREDIT, your social security number was on you credit report with the SS#.

Around 2004, Sallie Mae and others decided to protect YOU, and changed all your ACCOUNT numbers to a NEW ACCOUNT NUMBER. When this change happened, you ended up with the old account (SS#) and then a new account. Thus, having two accounts reporting on your file. In reality, you should have ONE loan.

How does a duplicated account affect you? Well, the FICO SCORE, takes into consideration the # of installment acccounts, when it pulls your score.

Take a look even further. Lets say you have four loans, Well, now you have EIGHT showing on your file, when it should only be four.

How does this affect your ability to apply and get approved for a loan. Well, if your payment amount(DEBT) is $100.00 dollars a month on ONE loan. It would reflect that you are paying $200.00 dollars a month. This means not only is the duplicate account wrong but you DEBT RATIO is wrong.

When your DEBT RATIO IS WRONG. Your appear to be in alot of DEBT, when you really are not.

DEBT RATION IS CRITICAL WHEN BUYING A HOUSE, BECAUSE YOU HAVE TO BE IN A CERTAIN PERCENT. THIS ONE ERROR COULD MEAN THE DIFFERENCE IN YOUR APPROVAL FOR THAT HOUSE.

IT COULD ALSO MEAN THAT IF YOU GET APPROVED FOR THE LOAN, YOU MAY BE PLACED IN A HIGHER RISK LOAN (HIGH INTEREST) COSTING YOU THOUSANDING OF DOLLARS.

If you want to continue reading the rest of the blog you will find it @ www.creditadviseforyou.ning.com or join below.


Visit Outspoken Reality Social Network (EDUCATION ON A NEW LEVEL)

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