Have any questions or want to talk about your situation? Let’s chat!
????Text or call 503-799-3711 ????
???? juleef@rate.com ????
Schedule a call: https://calendly.com/juleef/let-s-say-hi
To apply: https://rate.com/juleef
Lending wherever you want to call “home” ?????? — in all 50 states.

In this video:
Chapters:
00:00 – Introduction: you’re tracking the wrong credit score
00:55 – There’s no database with your credit score in it
01:12 – A score only exists at the moment it is requested
02:00 – The variability of credit scores can be an advantage
02:28 – History of credit scores?
03:36 – The 3 national credit bureaus
04:22 – So how many credit scores do you have?
05:15 – What score do you see on Credit Karma?
05:51 – FICO releases new versions
06:04 – What version is used in mortgage lending?
07:28 – How do you find out your mortgage credit score?
07:40 – The “not-free” option: signing up with myFICO.com
08:21 – What will I find when I sign in to myFICO.com?
09:44 – Don’t stress the difference in your scores… It’s normal!
10:53 – The free way to get your mortgage credit scores
11:29 – Should you wait until you’re ready to buy to contact a lender?

Julee Felsman, SVP of Mortgage Lending NMLS 120831
Guaranteed Rate Inc NMLS 2611 Equal Housing Lender.
www.nmlsconsumeraccess.org
www.rate.com/licensing
www.rate.com/privacy

Branch address: 1300 SE Stark St Ste 111, Portland, OR 97214
State Licenses:
AK – AK120831, AL – 73482, AR – 117882, AZ – 1002329, CA – CA-DBO120831, CO – 100514850, CT – LO-120831, DC – MLO120831, DE – MLO – 120831, FL – LO66603, GA – 67474, HI – HI-120831, IA – 34589, ID – MLO-2080120831, IL – 031.0056868, IN – 42483, KS – LO.0039957, KY – MC713848, LA – Licensed, MA – MLO120831, MD – 120831, ME – Licensed, MI – 120831, MN – MN-MLO-120831, MO – MO-120831, MS – 120831, MT – 120831, NC – I-187748, ND – NDMLO120831, NE – Licensed, NH – Licensed, NJ – Licensed, NM – Licensed, NV – 65660, NY – Licensed, OH – MLO-OH.120831, OK – MLO21956, OR – Licensed, PA – 74700, RI – Licensed, SC – MLO – 120831, SD – MLO.09183, TN – 203658, TX – Licensed, UT – 12003187, VA – MLO-41738VA, VT – VT120831, WA – MLO-120831, WI – 120831, WV – LO-120831, WY – 8673

Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and for more information.

All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Guaranteed Rate, Inc. does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate, Inc. Guaranteed Rate, Inc. its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action.

Content found in these videos is public information. However, all information including text, photographs, etc. is copyrighted and is protected by United States and international copyright laws. These videos may not be used, reproduced, or distributed for commercial purposes without prior written consent from Julee Felsman and Guaranteed Rate.

— Caller points out credit card debt as a sign that the economy isn’t so good
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Broadcast on January 5, 2024

#davidpakmanshow #economy #creditcarddebt

Arbitration And Mediation: What’s The Difference? #shorts #bankruptcy #arbitration #mediation

????????? Book an appointment to speak with John https://go.consumerwarrior.com/call-now
???? Call John at (480) 907-3388 to schedule a FREE consultation.

MORE ABOUT JOHN SKIBA
John Skiba is a bankruptcy & consumer protection attorney in the state of Arizona.

John helps clients with chapter 7 bankruptcy & chapter 13 bankruptcy for Arizona residents.

???????????????????? ARIZONA RESIDENTS ONLY: If you live in the state of Arizona and need help with a junk debt buyer lawsuit or need to file bankruptcy I can help you directly.

???????? Talk to John now! https://go.consumerwarrior.com/call-now

????????? Book an appointment to speak with John https://go.consumerwarrior.com/call-now

John offers informational products and strategies for consumers facing serious debt problems – particularly those being sued by junk debt buyers like Midland Funding, Portfolio Recovery Associates, Cavalry SPV, and many more.

??? Forms, Templates and Video Tutorials can be found at ???????????????????????? http://consumer-warrior-project.thinkific.com/

April had an amazing 2023 even though she had some major pitfalls, this video is her review and debt confession.

Don’t forget to get your free “No Spend” tracker for January by following the link:
https://www.facebook.com/groups/thebudgetingsisters/permalink/734661838174699

Bill shock post December festive season and January you see the credit card bill ????????????.
Here’s the tip how to resolve this issue.
Debt consolidation!

• The video discusses how people tend to overspend on their credit cards during the festive season, leading to credit card bill shock.
• It highlights the convenience of tap and go payments but warns about the lack of awareness of spending.
• The video suggests two solutions: doing a credit card transfer to a no-interest account and closing the current credit card, or consolidating debt into a home loan facility to improve cash flow.
• It advises creating a separate savings account to budget for future expenses during December.
• The video emphasizes the importance of avoiding financial mess and planning ahead to prevent credit card bill shock.

0:00 Intro

0.01 We do get a little bit carried away and 
statistically speaking in December people  

00:13 tend to spend 25% more on their credit cards it’s 
because of the festive season you get carried awayit’s a little bit silly and the big one is the tap and go it gets you all the time. If you’re not used to having cash in your wallet, I think cash hurts more emotionally to hand over and you can physically see what is being left and back in my time I’m a little bit older um I used to  

0:36 find that handing over $100 bill or $50 or $20 or whatever your note currency was at the time it used to be a little bit more physical HEY I’m letting go of this money and you could see it whereas now you tap and goes it’s on your mobile phones on the credit card tap tap tap

0:52.get a little bit carried away and you forget to check and by the time you do check it’s a little bit like holy **** whatever what’s happened so if this is a situation that you’re in you can either a try to do a credit card transfer into something that is no interest for a

01:15 certain period of time clear off the credit card. Start off fresh make sure that you close down your current credit card and you’re not getting two credit cards recycling because then it it’ll you know basically will have a financial mess and it’s a little bit harder to get out of.

01:33 that one the other thing that you could do is if you’ve got a home loan facility try and debt consolidate that all into the one facility so it just improves your cash flow and then for next time around make sure that you put a little bit of savings um in a separate account so then when December does come along you’ve got a clear budget of what you’re actually wanting to spend.

01:58 It doesn’t catch you out again January 2025 with another what we call it Bill shock round two so hopefully you found that useful if you got any questions feel free to give me a call happy to have a chat Laura Moya 

02:16 Local Mortgage Broker Melbourne

Laura Moya Local Mortgage Broker based in Melbourne covers the issue head on.

#Localmortgagebroker
#localmortgagebrokermelbourne
#RefinanceCreditcardaustralia
#debtconsolidation
#debtconsolidationloan
#billshock
#costoflivingcrisisaustralia
#howtogetoutofdebt
#mortgagebrokertip
#mortgagebrokertricksanstips
#melbourne
#refinance
#refinancing
#Debtconsolidationtips

subscribe to our channel for more mortgage tips and tricks in easy to follow ways.

https://youtube.com/@LauraMoyaLocalMortgageBroker

When the credit bureaus verify your disputed accounts as accurate, you need a plan. Learn what to do by listening to the CreditRX Course Ep 1 now! If you would like to get a free credit sweep consultation head to https://my740.com. You can learn how to legally and permanently remove negative items from credit reports with confidence at https://sendmeto.co/steroids.

250 collections removed before and after video https://youtu.be/zam8srBB7Qo
Guaranteed deletion debt validation dispute method package https://sendmeto.co/vod2
Importance of sending dispute letters via certified mail short https://youtube.com/shorts/rK-rnS9gJ74?feature=share

Client results playlist https://www.youtube.com/playlist?list=PLCkW-fTkIGnxOdGjZrudHSn-ygbYuWuQO
Violations video 1 https://www.youtube.com/watch?v=fMOe-xaGW-0
Violations video 2 https://www.youtube.com/watch?v=woZS_VI-Pts

Links:
Credit repair course on steroids: https:/sendmeto.co/steroids
Guaranteed Deletion Debt Validation Dispute Method: https://sendmeto.co/vod2
EvolutionLine Method Workshop: link coming soon
Dispute Funnel Workshop: link coming soon
All courses: https://sendmeto.co/courses
Live Automation: https://sendmeto.co/auto
Credit Sweep Secrets Playbook: https://sendmeto.co/getmycheatsheet
Advanced Credit Sweep Tactics Playbook: https://sendmeto.co/tactics

Many consumers just send out the same dispute letters to the credit bureaus that 1.5 million other consumres have already sent out that month and this causes nothing other than additional timing to be added to your total dispute duration because the longer you dispute, the harder it is to remove the accounts from your credit report. Instead, you should be looking for the actual reason the account needs to be removed and this takes LEARNING how to do the credit sweep properly.

Join my Exclusive Youtube Newsletter at https://sendmeto.co/ytfam, where you’ll receive exclusive content, free offers, discounts, early releases and more! As a way to say thank you, you’ll receive free and instant access to my “How to Remove Any Account” Google Spreadsheet that walks you through creating a dispute reason step-by-step.

playbook links are: https://sendmeto.co/collections for the how to remove collections playbook and https://sendmeto.co/getmycheatsheet for the credit sweep cheatsheet secrets playbook

Resources:
free subscriber hub: https://hub.my740.com
store: https://vault.my740.com
validation of debt: https://sendmeto.co/vod
credit sweep secrets cheat sheet: https://sendmeto.co/getmycheatsheet
how to write the perfect dispute letter every time: https://sendmeto.co/ultimate-guide
get the hardcopy at https://sendmeto.co/hardcopy-guide
see all offers at https://sendmeto.co/offers
Full credit repair software: https://sendmeto.co/suite
Letterfy180: https://sendmeto.co/letterfy180
Dispute Tracker and Planner: https://sendmeto.co/revoplanner
290 dispute reasons: https://ask-kristin.samcart.com/products/290-reasons
4 credit sweep cheat sheets https://ask-kristin.samcart.com/products/4-cheat-sheets
5 Roadmaps – the playbook: https://ask-kristin.samcart.com/products/playbook
66 Advanced Dispute Tactics (Mini-bible): https://ask-kristin.samcart.com/products/mini-bible
bulletproof training book: https://ask-kristin.samcart.com/products/bulletproof-training-book
followup tactics::

-~-~~-~~~-~~-~-
Please watch: “HUGE Difference! Credit SWEEP vs. Credit Repair | CreditRX EP2”
https://www.youtube.com/watch?v=eHfDPcwIBBs
-~-~~-~~~-~~-~-

Experts are sounding the alarm: the world is caught in a debt trap. The global mountain of debt has increased to more than 300 trillion US dollars. To cancel it out, the Earth’s population would have to work for nothing for three years. Is this a cause for concern?

Will private individuals, companies and even entire nations at some point collapse under the weight of this debt mountain? The film looks for the stories behind the debts to discover what can be done to address the problem. In Argentina, for example: Over the past 200 years, the country has faced bankruptcy eight times.

In the United States, people are punished for their poverty. Annita Husband was detained for months in a debtors’ prison in the state of Mississippi. Her fate is just one extreme example from a society in which more and more people in debt find themselves in a hopeless situation and lose their freedom.

But debts per se aren’t a bad thing, insists economist Christoph Trebesch. Particularly when the borrowed capital is used for sensible investments, debts make sense. But there are plenty of negative stories. One standout example of the credit-fueled hubris is the project “The World”, artificial islands off the coast of Dubai that, seen from the air, resemble a map of the world. Luxury properties built on the islands were designed as resorts for the super-rich. But the project ground to a halt in the financial crisis of 2008. Since then, the wind and the sea have blurred the outlines of some of the islands.

The film explores the question: what are the consequences of debts – for both debtors and creditors? And what sort of solutions might be on hand to deal with the gigantic volume of debt taken on by nations, companies and private households?

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Consolidated Credit’s (http://www.consolidatedcredit.ca) “Debt Suckers” 30-second Canada TV Commercial
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Ready to take control of your finances and say goodbye to debt? ???? Join us in this empowering journey towards financial freedom!

In this game-changing video, we’re spilling the tea on how you can become debt-free in just 6 months. From practical budgeting tips to powerful money-saving hacks, we’ve got your back every step of the way.

???? What to Expect:

Proven Strategies: Discover actionable and realistic steps to tackle your debt head-on.
Budgeting Breakthroughs: Learn how to create a budget that works for you and accelerates your debt payoff.
Side-Hustle Secrets: Explore innovative ways to boost your income and fast-track your financial goals.
Success Stories: Be inspired by real-life stories of millennials who crushed their debt in record time.
Why Watch?
Say goodbye to sleepless nights worrying about bills and debt collectors! ?????? This video is your passport to financial liberation. We believe that every millennial woman deserves to live a life free from the shackles of debt, and we’re here to guide you on that journey.

Join the Community:
Connect with like-minded individuals in the comments section. Share your goals, progress, and tips to inspire and uplift each other. Let’s build a community that celebrates financial victories!

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Hit that subscribe button and turn on notifications so you never miss a future video packed with financial wisdom. Together, let’s make this year we break free from financial stress and reclaim our financial power! ????????

#FinancialFreedom #DebtFreeJourney #MillennialMoney

When should you refinance your home.
If you have higher interest mortgage rates.
You want to consolidate your liabilities into one easy mortgage payment.
To purchase your next property using equity release from current property and buying new real estate.

Unsure how to refinance your mortgage?

Call Laura Moya #localmortgagebroker to give guidance and support through this process.

#Localmortgagebroker

#Refinancing

#MortgageBrokerMelbourne

#Debtconsolidation

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