Credit Expert in Improving Credit and Repairing Credit
In this video, I discuss bankruptcy. Bankruptcy isn’t the end all solution for a “fresh” start! Did you know that a bankruptcy stays on your credit reports for 10 years? In this video I will discuss some of the Pros & Cons of Bankruptcy.
Be sure to sign up for a free consultation with me, Anthony Gaalaas.
I get asked a lot about how to deal with collectors. Should or shouldn’t you pay? In this video I talk about the consequences either way. I give you a few examples so that you can make a decision either way.
Enjoy, and be sure to sign up for a free consultation on the homepage.
Statute of Limitations
Most states are 4 years, but click on this link to find out the specific laws in your state.
Cease & Desist Letter
Use this letter to stop the annoying phone calls from bill collectors.
James’ Results
Renee’s Results
After 5 Rounds of Disputes, look at the results!!! The client also wrote this:
Dear Anthony,
I just wanted to drop you a line and tell you how pleased my wife and I are with the credit repair work that you have performed for us.
The work that you and your team has done is simply incredible. You got me a 100% removal on one reporting agency and over 80% on another and almost 90% on the other one as well as similar results on my wife’s credit history.
This level of competence and ability is almost unheard of in today’s market place.
Thank you for all of your hard work.
Sincerely,
James & Renee – Houston, TX
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 is 7 rules that will help you INCREASE & Maintain an Excellent Credit Score:
1) Have no more than 3 to 5 cards (preferably not dept. store cards).
2) Should have at least 4 yrs of history.
3) Never open & close multiple cards — this will lower your score. If you need to close cards, close 1 every 3 months.
4) 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.
5) Not using cards for several months will cause your score to drop – no credit use – no way to score you.
6) Never charge above 25% of the limit at any time. If you do, pay it off or at least down to 25% ASAP!
7) 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. Even if you have 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.
Enjoy, and be sure to sign up for a free consultation on the homepage.
Here is a great example of how my services can improve someone’s Credit Scores.
This husband & wife have only been in our services for 2 months so far and check out their Credit Score INCREASE!!!
Check out their comments about work so far:
Anthony,
We are very happy about the progress that you have made for us in our credit report and credit scores. When we started three months ago our credit scores were in the 500′s and now they are in the 700′s with just the first round of letters.
Guillermo - Arlington, TX
Wife:
I discuss the importance of Credit Monitoring and how it will help prevent Credit Fraud and other negative effects on your Credit Report. Also, it will keep you informed of your updated Credit Score every 30 days so you will know the perfect timing to apply for a loan to get the best rates & terms. Or when to apply for a job or apartment/home rental to ensure acceptance. The site that my wife & I use and highly recommend is: http://www.IdentityMonitor.citi.com
Enjoy, and be sure to sign up for a free consultation on the homepage.
Hello everyone! Today I have for you a video from my channel, AnthonyCreditExpert, about medical identity theft.
This actually came as a bit of a surprise to me. It makes sense that it can happen but the repercussions for this type of identity theft can actually be deadly as well as costly.
That being said, I hope you find this video interesting and make sure to get in touch with me by filling out the form on the right of the page to watch my 7 secrets video. After you have had a chance to watch that you will be able to schedule your free credit consultation with me.
Looking forward to changing your financial future,
Anthony Gaalaas
Greetings everyone! This is a short video I posted about the dangers of identity theft.
Identity theft doesn’t only effect your credit score, it can also effect your personal life and safety as you will see in this video.
So, remember, be careful where you use your personal information and keep track of your spending so that you can discover quickly when something is wrong.
Looking forward to changing your financial future,
Anthony Gaalaas
Part 1
Part 2
I just posted these videos up on my YouTube channel, AnthonyCreditExpert. These videos are from my interview with Paul Haarman on “The Expert’s Corner.” I talk about the importance of credit these days and how I help folks repair their credit so they are no longer held back by something as simple as a bad credit score.
If you haven’t checked out my YouTube channel yet, be sure you do… It’s AnthonyCreditExpert and feel free to subscribe so that you can see any new videos I put up!
Looking forward to changing your financial future,
Anthony Gaalaas
