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Credit Education & Tips

Credit Education Videos

Credit Monitoring Lesson #1: Credit Monitoring With so many Data Breaches and cases of Identity Theft in the news lately, onlin..

With so many Data Breaches and cases of Identity Theft in the news lately, online Credit Monitoring Services have been a HOT subject. But we must inform you, they are NOT all the same.

In this video Anthony “The Credit Expert” will discuss how IMPORTANT it is to have a Credit Monitoring Service and how it not only helps reduce Credit Fraud and other negative effects from ruining your Credit Report, but will also help you IMPROVE & MAINTAIN your Credit Scores.

Credit Monitoring will keep you informed by providing you with an updated Tri-merge Report and ALL 3 Scores every 30 days. This will show you what Creditors are reporting both Positive & Negative to the 3 Credit Bureaus and how that will affect the calculation of ALL 3 Credit Scores. By using this type of service you will know the PERFECT TIME to apply for an auto loan in order to get the best rates & terms, when to submit an application for an apartment rental or house purchase, and the perfect time to apply for a new job or promotion! So, learn more and enroll today with this link for a special offer and receive ALL 3 Credit Reports & Scores for just $1 for the first 30 days.

If you haven’t already enrolled in our services, join the 1,000’s that have already been helped by requesting a FREE 15 Phone Consultation! Or if you have a quick question, give us a call at (817) 510-9800. Our business hours are Monday to Friday 8AM to 5PM Central Time.

How Credit Card Use Affects Your Credit Score - How Credit Card Use Affects Your Credit Score Rules for Credit Card Use to Increase & Maintain an..

Lesson #3: How Credit Card Use Affects Your Credit Score

Rules for Credit Card Use to Increase & Maintain an Excellent Credit Score:

Most people don’t know that 35% of your Credit Score comes from use of Credit Cards.

Yes, that means you have to have Credit Cards and use them WISELY, otherwise you could be damaging 1/3 of your score!!!

Here are 7 rules that will help you INCREASE & Maintain an Excellent Credit Score:
Have no more than 3 to 5 cards (preferably not dept. store cards).
Should have at least 4 yrs of history.
Never open & close multiple cards — this will lower your score. If you need to close cards, close 1 every 3 months.
Use each card every month if you can. Use the cards in place of cash or debit cards and then just pay cards with cash from bank account.
Not using cards for several months will cause your score to drop – no credit use – no way to score you.
Never charge above 25% of the limit at any time. If you do, pay it off or at least down to 25% ASAP!
Carrying a balance month to month doesn’t improve your score – you can pay the cards off in full every month and avoid interest.
It is very IMPORTANT to make sure you have Credit Cards to BUILD your credit. If you’ve had problems with credit cards in the past and find it hard to get one now, we can recommend a few companies that help credit challenged people, even those who have filed bankruptcy.

If you haven’t already enrolled in our services, join the 1,000’s that have already been helped by requesting a FREE 15 minute Phone Consultation byclicking here! Or if you have a quick question, give us a call at (817) 510-9800. Our business hours are Monday to Friday 8AM to 5PM Central Time.

Invest in your future. Realize your dreams. Change your life.

How much is bad credit costing you? Do you know how much your credit could be costing you on the life of your mortgage? Do you know how much you would save if yo..

How much is bad credit costing you? Home Loan Edition

Do you know how much your credit could be costing you on the life of your mortgage? Do you know how much you would save if your credit score was just a little higher? Find out!

How much is bad credit costing you? Student Loan Edition

How much is bad credit costing you? Student Loan Edition

How To Deal With Debt Collectors Lesson #2: How to Deal With Debt Collectors Are you sick of bill collectors blowing up your phone almost every d..

Lesson #2: How to Deal With Debt Collectors

Are you sick of bill collectors blowing up your phone almost every day?!?!

Don’t let them bully you! There are statutes under State & Federal law that protect your rights and how you are treated! Want you to know how to make them stop?

Pick up the phone.

Yes, you heard us right, answer the call, but you need to know what to say that will make them stop. You need ONLY state your name and give them your mailing address – preferably a PO Box – so they don’t have your home address in case they decide to serve you in person with a lawsuit.

DON’T acknowledge any debt, just ask them to put everything in writing and mail it to you. Then request that they stop calling you and if they don’t, you’re going to send them a “Cease & Desist” letter to do so. This will STOP the calls 99% of the time. Here’s a sample Cease & Desist Letter.

Most states have a 3-6 year time frame in which a creditor can legally sue you. Click on the link to find the specific laws in your state:Statue of Limitations

If you haven’t already enrolled in our services, join the 1,000’s that have already been helped by requesting a FREE 15 Phone Consultation by clicking here!
Or if you have a quick question, give us a call at (817) 5110-9800. Our business hours are Monday to Friday 8AM to 5PM Central Time.

Invest in your future. Realize your dreams. Change your life.

Pros & Cons of Renting vs Buying Let's explore the pros and cons of Renting vs Buying to determine which may be best for you...

Pros & Cons of Renting vs Buying

Let’s explore the pros and cons of Renting vs Buying to determine which may be best for you.

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I’m a very satisfied customer of Rising Point Solutions. They helped me fix my credit sooner than what they had expected. To think all the lenders I met with told me not to use a credit repair company. I stuck with Rising Point Solutions and found the right lender to help me purchase my first home due to my new outstanding credit score.

I signed up in July and by November 3 I was closing on my new house. Brandi Clingerman was such a help when I would feel overwhelmed with the process, she assured me it would be okay. I also loved how I did indeed have an end of contract review by email.

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