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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
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Branch address: 1300 SE Stark St Ste 111, Portland, OR 97214
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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.

What is a “good” credit score and is it the only criteria a bank considers? Join Maya Fisher-French with Absa credit experts Nick Nkosi and Ashwin Jugmohan to understand the criteria a bank considers when extending credit, how to make yourself more credit worthy and what to do if you cannot meet your debt obligations.

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What happens when you enter into a debt consolidation program?

Debt consolidation companies often promise to consolidate your debts and negotiate settlements with your creditors. These companies frequently advise people to stop paying their debts and to make monthly payments to the debt consolidation company instead. This is done with the hope that the company will be able to use those funds to settle certain debts.

Will a debt consolidation program stop creditors from reporting negative information to the credit bureaus?

Unfortunately not. If you fall behind or stop paying on a debt, the creditor is permitted to report the late or missed payments to the credit bureaus.

So, even if a person is current on the monthly payments to the debt consolidation company, they can still be delinquent on payments to their creditors.

Entering into a debt consolidation program does not automatically change the terms of a person’s agreement with a creditor. Unless your creditor agrees to change the repayment terms, you will remain bound by the payment terms of your agreement with the creditor.

The creditor is also permitted to take action to collect the debt, such as collection calls, lawsuits, and garnishing a person’s wages or a bank account, and the creditor can report delinquencies to the credit bureaus. Reports of missed payments to the credit bureau can hurt your credit score and impact your future borrowing capabilities.

How will your credit be impacted if the debt is settled?

If your creditor agrees to accept a balance less than the full balance that you owe to settle a debt, the account will still remain on your credit report.

Additionally, any missed or late payments prior to the settlement being reached will remain reported as well. Your credit report should reflect that there is no longer a balance owed. However, it is likely to also reflect that the debt was settled and not paid in full.

Should someone who is considering a debt consolidation program also consider bankruptcy?
Yes. It is common for people to believe that a debt consolidation program is a better option than bankruptcy due to concerns about the credit impact. However, the negative credit consequences associated with debt consolidation programs are less commonly understood.

There are actions that people are able to take to overcome credit challenges and accomplish their financial goals. In many instances, eliminating or restructuring debts through bankruptcy may put an individual in a better position to be able to rebuild credit quickly.

At Financial Freedom Legal, we offer free bankruptcy consultations that can be completed via telephone, Zoom, or in-person in Richmond, VA. We also offer flexible scheduling and are happy to meet with you on evenings and weekends.

Generally, an appointment takes approximately 1 ½ hours to complete. At this appointment, you are able to explore your options with an experienced debt relief attorney. There is no obligation to file. If you are considering debt consolidation, we strongly recommend also taking the time to learn about your options under bankruptcy.

www.fflegalva.com

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4 personal loan lenders that accept applicants with credit scores that are 580 or lower down to 300. 99% of the loans are funded the next day. Each of the 4 Verified lenders have different ways to use them best. From Unsecured loans to Debt consolidation to lower your monthly expense, and Secured for better rates. And best of all when you start the journey of get your first loan. Make your payments. Refinance it for better rates because your score improve as you make those payments.

Don’t let your bad credit score bother you too much. I absolutely mean that. There are ways to take care of bad credit in no time easily, and you can even take classes on it. In the meantime, are you looking for funding just to get things off the ground?

That shouldn’t be a problem because there are some personal loans out there that keep customer flexibility in mind. In other words, even if your credit score is less than ideal, you still have a solid chance of getting approved for the loan you need.

Some lenders cater to applicants with lower credit scores in the poor range (below 580) to help them borrow money for emergency expenses, medical bills, debt consolidation, and other financing needs.

Just keep in mind that if you’re applying for loans — or any line of credit — with a lower credit score, you are likely to receive higher interest rates because lenders will see you as more of a “riskier” borrower.

It’s important to compare rates with different lenders and do your homework before signing on the dotted line to make sure you’re comfortable with your new loan terms. If you want to increase your credit score to get a better interest rate or loan terms, there are a few ways to do so, some of them which can have immediate effects.

Here are the best 4, according to experts: Stick around for the Details on each.
Best for people without credit history: Upstart Personal Loans (which I very recently talked about); Best for debt consolidation: Payoff Personal Loans; Best for flexible terms: OneMain Financial Personal Loans; and Best for secured loan options: Avant Personal Loans.

With UpStart, all you need is a credit score of 300 on at least one credit report (but will accept applicants whose credit history is so insufficient they don’t have a credit score). The loans range from $1,000 to $50,000 with terms up to 60 months.

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Are you under debt review ,blacklisted or just rejected because your score is low but you can afford an instalment of R2200 monthly , well guess what you can drive this 2011 Vw Polo vivo too because we can finance you…

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Debt consolidation might be the right plan of action for you, but how will it affect your credit score? Watch Jeff Schwartz from Consolidated Credit Canada break it down.

Is debt consolidation a good move or a bad move? In this video, I’ll go over some of the pros and the cons of using a debt consolidation service and then I’ll show you how to boost your credit score with consolidating your debt.

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Q. I have a bad credit score. Can I get a debt consolidation loan?

A. Your credit score is a reflection of how you handle credit and debt. A bad credit score shows that you haven’t handled your credit accounts responsibly so a new creditor is unlikely to offer you a debt consolidation loan with a low interest rate.

Even though you may not qualify for a debt consolidation loan there is a way you can reduce your debt and save some money in the process.

It’s called debt negotiation also known as debt settlement. You can negotiate with the creditor or debt collector to settle your debt for less than what you owe. Of course, your lender will need to accept the settlement and agree to cancel the remainder of your debt. Most of them will agree to settle since they would get nothing if you decided to file for bankruptcy.

Plus, debt negotiation is not as severe a hit to your credit score as a bankruptcy filing.

If you don’t want to hassle negotiating with your creditors, you can hire a BBB accredited debt negotiation company to do it for you. Visit https://www.nationaldebtrelief.com to learn how to consolidate your credit card debt without bankruptcy.

Transcription: Agencies like Cambridge speak to thousands of people every month, and one of the most common questions we hear is, “Will credit counseling hurt my credit score?” The short answer is no, but that comes with an explanation. “Credit counseling” is the process by which a certified credit counselor will help you create a workable financial plan that reflects your income, expenses, and goals. Your counselor will review your finances with you, give you personalized advice to help you develop a budget, provide valuable resources you can use in that process, and recommend alternative strategies to manage your situation. This type of free consultation has no impact whatsoever on your credit standing. Now, one of the options a counselor may offer is enrollment in a debt management program, or DMP. A debt management program will impact your credit, but probably not in the way you may be thinking.

Your credit scores, or “FICO scores,” are calculated from the data in your credit report at any given moment. That’s why they often change from month to month, as your creditors report your activity. The data is grouped into five categories: Payment History, which represents 35% of your score; Amounts Owed, which is 30% of your score; Length of Credit History – 15%, New Credit, 10%; and Types of Credit Used, which also accounts for 10% of your FICO score. The importance of any one factor depends on the total amount of information in your credit report at that moment. This means that what impacts your score may not impact another person’s score as heavily. Now, on to the good news.

Fair Isaac and Company, developers of the FICO scoring model, considers debt management enrollment as a neutral mark – neither good nor bad, and it carries no weight when calculating your score. This wasn’t always true. In 1989 debt management was considered a negative notation; however, the formula changed in 1998 because people were enrolling in DMPs as a proactive step. Instead of looking for help after they fell behind on their bills, people were reaching out to credit counseling agencies before things got out of hand. So if the creditors you include on your program note that your account is being repaid through a reduced payment and interest program, you won’t lose any points as a result of that notation. However, each of your prospective lenders has its own policies. One may view debt management as a non-issue, while others may interpret it negatively. There’s simply no way to predict that reaction.

Although participation in a debt management program isn’t a factor in FICO’s formula, the process of enrollment will affect your score. In a DMP, your credit counseling agency pays your bills once each month, and many creditors drastically reduce their interest rates and waive their late and overlimit fees. In return for those benefits, they require that the accounts you include in your plan be closed. That’s reasonable. Now, closing those accounts lowers your score because the amount of available credit is reduced, and that’s a part of the Amounts Owed category. The number of points you lose depends on the other information in your credit profile at that time. If you have a good credit history, with a lot of accounts in good standing, you may lose just a few points. If you only have a few accounts, the impact may be greater.

At the time you enroll, the agency will let your creditors know when your payment will be disbursed; however, as you transition into the program, you could experience a late or missed payment. That would impact your score, but the length of the program, generally 3 to 5 years, gives you more than enough time to make up for that initial event. It’s also important to remember that even though participation in a DMP is a neutral mark, it doesn’t “protect” you from incurring a negative notation, either. Just like when you’re managing your bills on your own, if you miss a payment on one of your accounts, your history will be affected. That’s one of the things you’ll learn while you’re working with an agency. You’re not just a number to us – we want to show you how to earn lower interest rates by developing good credit habits. Making payments on time is one of them.

If you pull your own credit report or review your score through a free website like CreditKarma.com, which I highly recommend, you may discover that you have too much debt. For example, if all of the credit limits on your accounts added up to $10,000, and all of the balances on those accounts added up to $5,000, you’d be using 50% of your available credit. On creditkarma.com, you’d see a note like “proportion of balances to credit limits is too high on revolving bank accounts,” which means that your score has already been impacted negatively.

(Insufficient room. Please email yourmoney2@cambridgecredit.org for complete transcription.)