Have any questions or want to talk about your situation? Let’s chat!
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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.

Debt consolidation is controversial but I’ve used it twice and it’s saved me thousands. https://www.youtube.com/watch?v=Io1JV53oOlA&index=4&list=PLjsZ3KrTlZozfKrkG8uKVUa_yoC6xUVvn

I was flat broke in 2009. I destroyed my credit score and owed over $15,000 in credit card debt and other loans. I knew what everyone said about debt consolidation loans. I knew the risks but I was paying hundreds a month in interest and I needed a way out.

By lowering my interest rate just 5% with a debt consolidation loan, I was able to immediately save $40 a month on payments. By putting that money back into my debt payoff plan, I was able to save thousands and pay off the consolidation loan years early.

I’m not alone. The average credit card debt is over $15,000 and Americans pay hundreds in just interest every month. Most debt experts will tell you to avoid consolidation loans but the fact is, they work.

I’ll walk you through the process of getting a debt consolidation loan on bad credit. I’ll reveal the risks and pitfalls to avoid before showing you how to get a better rate and some debt payoff strategies to get out from under the loan.

I’ll be using the PersonalLoans site in the video, a lender I’ve used twice before https://peerfinance101.com/personalloans

Here’s the list of debt consolidation sites I’ve used or have reviewed: https://peerfinance101.com/list-peer-to-peer-online-loans-sites/

Debt consolidation isn’t the best place to be but you can use it to your advantage. Know the risks. Know how to do it right and get your finances back on track.

– The risks of debt consolidation and how to avoid the traps
– Step by step to getting the best rate on your debt consolidation loan
– How to do debt consolidation right and pay off your debt early
– The hidden benefit to debt consolidation that nobody talks about

Don’t forget to click through to the debt payoff playlist above and follow the entire series. I may eventually turn this series into a paid course but you can watch it all free right now. I start out by revealing the debt payoff strategies that will work with any budget, even on low income, and finish by showing you how to get a perfect credit score.

SUBSCRIBE to create the financial future you deserve with videos on beating debt, making more money and making your money work for you. https://peerfinance101.com/FreeMoneyVideos

Joseph Hogue, CFA spent nearly a decade as an investment analyst for institutional firms and banks. He now helps people understand their financial lives through debt payoff strategies, investing and ways to save more money. He has appeared on Bloomberg and on sites like CNBC and Morningstar. He holds the Chartered Financial Analyst (CFA) designation and is a veteran of the Marine Corps.
#debt #loans #debtconsolidation