A Chance to get your credit fixed for FREE!!

The annual Jazz in the Gardens Music Festival will return to Hard Rock Stadium in Miami Gardens March 17-18 with a diverse lineup that includes R&B stars Anita Baker, Smokey Robinson and Chaka Khan, brassy party-starters Trombone Shorty and New Orleans Avenue, throwback pop acts Salt ’n’ Pepa and Kid ’n’ Play, and Miami rapper Trick Daddy.

Tickets for the festival, produced by the City of Miami Gardens and now in its 13th year, are scheduled to go on sale 10 a.m. Friday, Dec. 8, at JazzInTheGardens.com; at all Ticketmaster outlets, including Ticketmaster.com and by calling 800-745-3000; and at the ticket office at Hard Rock Stadium.

Advance single-day tickets will cost approx $69 for general admission, $86 for reserved seating; advance two-day passes will cost  approx $96, $134 for reserved seats. Single-day tickets purchased on the day of the show will cost approx  $80 for general admission, $96 for reserved. Two-day tickets purchased on the day of the show will cost approx $116 for general admission, $155 for reserved seats. VIP tickets also will be available.

Hosted by charismatic showman Rickey Smiley, the festival also will include performances by Fantasia, Joe, Avery*Sunshine, Pieces of a Dream, Walter Beasley, Tasha Cobbs Leonard and more. A food village and art vendors around out the event.

This year a new customer focused company called "Help Me Credit" is coming to the scene. Their goal is to help anyone with bad credit, educate their clients how their money is being wasted, help them achieve their goals and save them money in every aspect of their life. This year, 6 lucky winners are going to be chosen to receive a Free Credit Restorations (6 months of Free service per winner) at JITG! Not only that, anyone who attend JITG and stops by their booth also gets access to discounts, prizes and giveaways! So while you and your friend are dancing and doing the Kid 'N PLAY and reminiscing about the good 'ol days and singing along to Salt-N-Peppa and Chaka Khan make sure you go and (and tell a friend!!) stop by the booth for a chance to win! 

www.helpmecredit.com 

Tips to boost your score

http://helpmecredit.com/2017/09/02/how-to-raise-your-credit-score-5-tips-that-can-help/

Will My Credit Score Go Up When I Pay Off My Debt?

If you’re trying to get your financial life on track, you may assume that paying off your consumer debt will solve all your money problems. Not only does this free up money each month, but it also should build your credit, right? Not necessarily. Here’s why.

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WE CAN HELP! www.HelpMeCredit.com

Nothing affects your score more than paying all your bills on time. It’s true that the age of your credit accounts, whether you’ve recently applied for credit and what kinds of credit you have affect your score. But no other factor carries as much weight as paying on time.

The second-most-important factor, credit utilization, is the reason your credit may drop a little after you pay off your debt. Having low credit utilization (30% or less) is good; having no credit utilization may be harmful to your score.

I don’t want my credit score to drop — what should I do?

Consider using a small amount of revolving credit regularly; you can pay the balance in full each month to avoid interest. Your credit score will reflect that you’re using a small percentage of your credit and benefit from that low utilization ratio.

But if your low credit score is more a product of past mistakes or present disorganization, you need to develop better habits. Here are a few things you need to do to restore your score:

Make all of your payments on time. Think you can coast now that your credit card debt is gone? Think again. Medical and utility bills can hurt your credit if you pay late or forget to pay and they get sent to collections. If you can’t remember to make payments, automate them. Just make sure you’re getting every bill paid on time every month.

Watch for credit report errors. Any attempt to build your credit will be fruitless if the data going into your scores is wrong.

You can get free credit report information two ways: Some personal finance websites,offer report information on demand, and once a year you’re entitled to a free report directly from each of the three credit bureaus.

The reports you can get annually from the credit bureaus can run to dozens of pages. To make sure they’re accurate, follow our guide to reading credit reports. If you see an error, dispute it. Someone else’s file mixed up with yours or identity theft could potentially — and unfairly — hurt your score, and the sooner you address that, the better.

Hold off on applying for more credit. Opening new credit lowers the average age of your credit accounts and involves a “hard inquiry,” which can result in a small, temporary drop in your score. Refrain from applying for new credit for now.

Practice patience. Sometimes the best thing you can do for your credit is wait. A combination of patience and good habits will help any credit score bounce back.


Also, If you are in the process of buying a home in Orlando, reach out to LoryAnn Sanchez. With her knowledge and expertise she can get you into you DREAM HOME   


=== my credit score dropping?

If your credit score dropped by a negligible amount when you paid off your debt, you likely don’t need to worry. Here’s a secret: You don’t need a score of 850 to get the best terms on credit.

A score of 720 or above is in the “excellent” credit score range. If you drop from, say, an 810 to a 790 it shouldn’t hurt you when it comes to getting favorable credit terms..

Lenders Hope to Incorporate Social Media into Credit Scores

Facebook users beware: your social media actions and even friends list could start affecting your credit score.

According to an article by New York Observer’s BetaBeat, new startup companies are formulating algorithms that integrate information from websites like Facebook and Twitter, which they refer to as “the social graph,” where people are recognized as “nodes,” and are connected by “edges.” In essence, the companies hope to further expand on qualifying factors for obtaining loans and also intend on shopping out loans to people in a consumer’s friends list.

Critics have already started lambasting the idea, citing that banks could use social media to obtain information they are not legally allowed to inquire about, including marital status, race, religion and a plethora of others.

One company that is actively pursuing this technology is Lenddo, a small loans lender based in Hong Kong which is currently only serving the Philippines, but hopes to expand to the Americas in the near future. Lenddo’s borrowing requirements will put a huge emphasis on your Facebook friends list, determining a consumer’s worthiness for a loan by their friends’ ability to repay their own loans as well as some other erroneous and arbitrary factors. Lenddo also reserves the right to contact a consumer’s social media connections, including friends and family, in the event that the consumer defaults on their loan.

It’s yet to be seen how the major credit bureaus in the United States will take to such technology, but Equifax gave some insight into their stance through an email sent to BetaBeat.

“Our corporate development professionals are very aware of the opportunities to enhance our proprietary data and partner with companies who add value to the accuracy of our reporting, which helps our customers make better decisions prior to lending,” a company representative wrote.

It should be common knowledge by now that if you don’t want to broadcast your life the world, simply avoid doing it. Perhaps a good rule of thumb should be “don’t have anything on your Facebook page that you wouldn’t mind your mother seeing.”

For everything credit repair related go to www.helpmecredit,com 

Pursuing the Perfect Credit Score

There are plenty of news stories this week pertaining to a consumer’s quest to achieve the best credit score. Currently, lenders have set their standards for good credit scores around 730. Those that hold a score of 730 or higher are assured in getting the best options when it comes to financing a loan, obtaining car insurance, or other financial services.

While it is good news that consumers are taking a more proactive interest in their credit scores, the quest to achieve a score of 800 or more may not be as achievable as one would think. Personal finance experts are now saying that once a consumer has achieved a FICO score of 760, efforts to increase that score any higher may be ‘futile’.

Once a 760 score is achieved, consumers are not likely to find any better interest rates or financial service offers that are better than that. However, some consumers are not to be swayed. They continue their quest to achieve an 800 or better for their credit profile despite the difficulty in increasing scores after they hit 760.

FICO scores, which are the most common ones used by lenders in decision-making are calculated based on a model created by the Fair Isaac Corporation, a company based in Minneapolis. The scoring model ranges from 300 to 850 and is used by lenders to make creditworthiness determinations. FICO is not the only credit scoring system but it is the most popular among lenders and financial service providers.

In 2011, only about 18% of the 200 million American consumers with scores had achieved credit scores of 800 or higher. That percentage comes out to around 36 million consumers. 75 million Americans had been shown to achieve scores of 750. Overall, the median score in the US stands at 711.

Credit scores can be maintained and improved by consumers staying focused on their financial life. Paying bills on time, not overextending, eliminating debts, and using debt responsibly are all ways to keep a top-notch score. It is also important for consumers to keep up with their credit reports and ensure there are no errors which negatively affect their profile.

If you need a push in your credit to get to that 700 or have a long road ahead of you. Contact the credit restoration experts and start saving TODAY!

How Long Do Missed Payments Impact Your Credit

In modern America, the average adult has to deal with about a million little things every single day. Between work, kids, meals, household chores, and trying to find five minutes to take a breath, it can be easy for a pending credit card bill to occasionally slip your mind.

Thankfully, a momentary slip won’t typically have credit score impacts, so long as you rectify it right away. In most cases, credit card issuers won’t report a payment as delinquent until it has become 30 days overdue. This means missing a due date by a few days, or even a couple of weeks, typically won’t cost you more than a late fee.

Once you pass that 30-day mark, however, the story changes. Most issuers will report payments that are more than 30 days late as delinquent to the credit bureaus. Since your payment history is 35% of your FICO credit score, delinquent payments can cause your score to take a significant hit.

On the plus side, that payment mistake won’t haunt you — or your credit score — forever. In 1970, the Fair Credit Reporting Act (FCRA) became law, laying out many of the rules and regulations regarding what information can (and what information can’t) be reported by consumer credit bureaus. Among the many consumer protections laid out by the FCRA are those that regulate the length of time negative information can remain on your credit reports.

Most Negative Items Last for 7 Years

In general, most negative items must be removed from your credit reports after seven years, including delinquent payments, defaulted loans, foreclosures, and charge-offs. The main exceptions to this limit are certain bankruptcies, which may remain for up to 10 years, and hard credit inquiries, which tend to fall off your reports after two years. Other exceptions may apply for cases in which a specific state’s statute of limitations supersedes the FCRA guidelines.

Overall, the time limit for negative credit report information will start from the time the incident occurs. In terms of delinquent payments, the seven years typically begins from the date of delinquency, or when the payment is first reported as delinquent. While outdated credit report items should automatically come off your credit report when they expire, few systems are perfect, and expired information may occasionally fail to be removed.

You can dispute outdated items with the credit bureaus in cases where the information doesn’t automatically come off your credit reports after its expiration date. Disputes may also be effective in cases where a payment was mistakenly reported as delinquent or cannot be proved as delinquent by the information furnisher. Many consumers have seen success removing outdated or unsubstantiated accounts by working with one of the best credit repair companies, as they have the experience to make the process as hands-free as possible.

Due to the fact that each credit bureau operates independently, it’s important to check all three of your primary credit reports to ensure the expired information has effectively been removed from each report. It’s difficult to predict which credit report a future lender may use to check your creditworthiness, so your best bet is to keep all your credit reports in the best shape possible.

The Impact to Your Credit Diminishes Over Time

If seven years seems like a long time to wait for your credit score to recover, you’re in luck; under most credit scoring models, negative items will start to lose their credit score impacts as they age. So, the older a negative item gets, the less influence it will have on your credit score. This means a delinquent payment could stop dragging down your credit score well before it comes off your credit report entirely.

How does it work? Basically, most credit scoring models weight information differently depending on its age. The more recent the information, the more weight it receives when your credit score is calculated. In essence, 12 months of on-time payments can mean more to a potential lender than a four-year-old delinquent payment, and this preference is typically reflected in your credit score.

So, for those looking to rebuild credit, avoiding credit can actually be a mistake. For example, avoiding new credit means your credit score is calculated only using that old, negative data, whereas opening — and responsibly using — one or two credit cards for bad credit can help rebuild positive payment history, reducing the overall impact of older delinquencies or other negatives.

Of course, the key here is to make sure your recent payment history is a positiveone. Adding new negative items to your credit report will not only drag your score back down, but it can also be a big red flag to potential lenders that your past financial problems may not be solely in the past.

Automated Payments & Other Tricks to Avoid Relapsing

If your world is simply so busy that remembering every little bill can be overwhelming, a number of resources are available to take the work out of making on-time payments. Most banks offer automated bill paying, for instance, which can be setup to automatically pay your credit card bills each month. You can select the date and amount, and let your bank account do the remembering.

For a bigger-picture solution, you can try any of the wide variety of budgeting and personal finance apps available on the market today. With options for bill tracking, balance reporting, and a real-time, bird’s-eye view of all of your accounts, these products can often provide an all-in-one solution for staying on top of all the facets of your personal finances, including both your budget and the factors that influence your credit score.

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Are You Making These Common Credit Mistakes

Millions of people are striving to build credit to enjoy the benefits of a good credit score. Building credit, however, isn’t as easy as it may seem. Even if you had a solid credit education, you might still make credit mistakes if you aren’t paying attention. Here are a few common credit mistakes you should be aware of.

Overspending for rewards

Credit card rewards are a good motivation to use a credit card; however, many people are so motivated that they fail to realize how much they are actually spending. Regularly using a credit card can help build your credit, but overusing the card or using the card to make large purchases can be harmful to your credit and increase your debt. Having a rewards-based card can provide you with great benefits, but be aware of your overall credit card usage.

Using store credit cards

Store credit cards can appear attractive if you are looking for discounts and other rewards. What you may not realize before signing up for a store credit card, however, is that the interest rates can be extremely high if you choose to carry a balance on the card instead of paying it off monthly. Many retail stores will do everything in their power to get you to sign up for a store credit card. Even if you think you are credit savvy, you might not be able to keep up with store credit card interest rates.

Failing to check credit reports

This mistake is more common than you may think and can definitely harm your credit score. If you don’t check your credit report, then you won’t know if there are any credit report errors that need to be fixed or if there has been any suspicious activity that could lead to identity theft or fraud. Although you may be afraid to face potential mistakes on your report, knowledge is more powerful than ignorance. Overall, regularly checking your credit report can help you avoid a credit disaster.

Using credit cards to pay for things you can’t afford

A common myth is that credit cards are useful when you want to purchase items you can’t afford. Unfortunately, this is not the case. Credit cards aren’t designed for out-of-budget purchases, rather they should be treated as tools to build credit and maintain a budget. Instead of buying things you can’t afford, you should be using your card for smaller, recurring expenses that you could pay with cash or a debit card. After you make a payment with a credit card, pay off that bill as soon as possible to ensure you are avoiding late payments and rising debt.

Cosigning a loan

Although you may want to help someone get approved for a loan, cosigning isn’t usually the best idea for your credit. Cosigning for loans puts you into the position of being responsible for the debt itself, almost as if you are the one who is taking out the loan. Once you cosign for a loan (or even a credit card), it will appear on your credit report relatively quickly. Many people regret cosigning when they realize the amount of responsibility they have taken on. If you or the borrower can’t make the payments or handle this responsibility, then that’s a good sign to stay away from cosigning.

Avoiding credit completely

The very idea of credit can be frightening, especially if you have bad credit experiences or know someone who has. Avoiding credit all together may seem like a good way to avoid credit card debt or low credit scores. However, avoiding credit usually causes more harm than good. When you avoid credit, you aren’t actively raising your credit score or building good credit. Instead, your credit will suffer and you won’t be able to enjoy any benefits that come with good credit. Credit history is important and the longer you avoid credit, the worse your credit history looks and the more opportunities you miss. If you are scared of credit, you can do your research to figure out how to start building credit as well as find out why having good credit is so important.

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Should I Cosign on a Loan for my Relative?

The average credit score in the U.S. is 687, which is considered fair. Many people in the “fair” range of credit can have a difficult time getting approved for loans, credit cards, or even apartment leases. While it’s not impossible to get a loan while repairing your credit, it may require a cosigner. If you’ve been approached by a relative to co-sign a loan, here are some things to consider.

Your Responsibility

When you cosign a loan, you aren’t just giving someone your proverbial stamp of approval. You’re actually agreeing to be responsible for repayment of the loan in the event that the borrower defaults. Depending on your own financial situation, this could potentially have a major effect on your credit.

For example, if you currently live paycheck to paycheck, you may want to consider the worst-case scenario of being a cosigner. Can you afford to make an additional monthly loan payment? If not, it may not be wise to cosign a loan for anyone.

Your Credit Score

Speaking of credit, a loan that you appear on as a cosigner will still appear on your credit report. If payments are made on time, and the loan ends up being paid in full, this will likely boost your credit score. However, if the loan amount is large, and you are planning to take out a loan of your own in the near future, this could hinder you from approval.

If cosigning on someone else’s loan bumps your own debt-to-income ratio above 40 percent, this will definitely make a difference in your ability to take out another loan of your own. So before you agree to cosign for someone else, make sure it will not impede any of your own financial goals, or lower your own credit score.

Your Relative

Many of your concerns about cosigning on a loan probably come down to your level of trust in the relative in question. If it’s your child or a sibling, cosigning could be an opportunity to help them build credit and become a more independent adult.

If it’s an older relative, caution may serve you well. If an individual has had years to build credit, but still finds themselves needing a cosigner, it may speak to a history of financial instability, or a past foreclosure or bankruptcy. While it’s usually considered uncommon, and even impolite, to discuss finances with your relatives (other than your child), if someone has asked you to cosign a loan, you have a right to know more about their credit history.

If this relative is someone who has a demonstrated history of paying bills on time, has a steady job, and is likely to be employed for the foreseeable future, then you may have nothing to worry about. It really just comes down how well you know this relative and how much you trust them to pay their bills (on time and in full).

If you’re considering cosigning a loan for a relative, only you can ultimately decide if this is the right decision for you and your credit. Many people have had to ask for a cosigner and have gone on to achieve great financial stability and success. To learn more about credit repair, visit www.helpmecredit.com.

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How Auto Loan Interest Rates Work

Buying a car is a major event in a person’s life and usually requires a significant amount of money. Since many people may not have $31,400 — the average price of a new car — sitting in the bank, it may be necessary to finance. While many automakers offer special financing and deals multiple times a year, it’s wise to understand how an auto loan works before signing up for one.

Most auto loans are secured loans, which means there is collateral in the event of loan default. That collateral is the car itself. If you don’t make your payments for long enough, the bank or lending institution will repossess the car. Auto loans are slightly simpler to understand than a mortgage, and there are three major components that come into play with the interest rate for an auto loan.

Daily changing interest rates

Unlike mortgage interest rates, the Federal Reserve does not set interest rates for auto loans. Instead, banks are allowed to set their own interest rates, and competition among banks and lenders tends to keep those interest rates relatively low.

However, this also means that interest rates for auto loans change from day-to-day. Before even walking into a car showroom, it may be beneficial to check that day’s interest rates. Your credit score and profile will be the final determining factor, but it’s helpful to have an idea of what banks are offering.

Simple Interest

Like mortgages, auto loans use simple interest. That is how and why your monthly payment doesn’t change over the life of the loan unless you choose to refinance. That also makes it a little easier to do the math on what your monthly loan payment will be. However, there are many auto loan payment calculators available. Simply enter the numbers to get an estimated monthly loan payment.

Simple interest benefits borrowers more than compound interest. As long as you make your monthly payments on time and in full, you won’t end up paying more for your vehicle than you originally intended or expected.

Amortization

Like mortgages, auto loans are “amortized,” meaning the interest is paid earlier in the life of the loan. This is designed to be advantageous to lending institutions so they will make the money back on their loan early on in case a borrower defaults on their payments. However, that makes it less beneficial for borrowers, especially on a car. Cars always depreciate in value, unlike homes, which tend to appreciate.

At the end of the day, your interest rate is determined by your credit. Before shopping for a vehicle, check your credit, pay down as much debt as you possibly can, and dispute any items on your credit that may be incorrect.

Your debt-to-income ratio is a major factor in determining your interest rate. If your amount of available credit is high, but your debt is also high, you may be looking at a higher interest rate. Banks collect more money from you up-front, just in case you default on your loan, which they suspect you may be more likely to do if you have a lot of debt. Eliminate this possibility by lowering your debt-to-income ratio.

For more information on auto loans, interest rates, and credit repair, visit www.helpmecredit.com.

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3 Tips for Buying a House in 2018

New house sales increased by nearly 20 percent at the end of 2017 — the strongest surge in a decade. This, mixed with the emergence of new FHA loans(federally insured loans which require minimal credit standing), means 2018 could be the strongest year for real estate in decades.

The American housing market hasn’t seen house sales of this magnitude since before the market crash of 2008. While this might indicate renewed consumer confidence in the housing market, savvy prospects need to consider the consequences of a newly reinvigorated market before signing a deal in 2018. Here are a few tips to guide your house hunting process.

1.   Beware of market saturation

The end of last year was the hottest real estate quarter in a long time. In fact, 667,000 newly built homes were sold in September alone. Okay, so many new houses were built — that’s great news for prospective homebuyers right? Well, not exactly.

The noteable 2017 influx of new houses is indicative of a saturated market. Homeowners are increasingly turning to newly constructed homes because communities are crowded and present little to no opportunities — especially for first-time buyers.

They say, “build it and they will come,” but when it comes to homeownership a significant portion of people can’t afford brand-new houses. Unless you have bottomless pockets, be aware that available homes are dwindling and it might be time to start budgeting for construction of a new one.

2.   Take the road less traveled

When you consider the point above, you might start to feel a tinge of nauseous insecurity. The housing market has been revived, and now there is a mad rush for quality homes, in a desirable location, at a reasonable price. Statistically speaking you don’t really stand a chance.

Bleak as it might seem, there is actually hope — if you’re willing to think outside the box. Consider house hunting during the off-season. The winter months are far less congested with buyers, so you are more likely to come across a deal during a market lull.

Similarly, try searching on the fringe. When you live in a suburb, or less-populated location, what you sacrifice in metropolitan convenience you make up for in costs-savings.

3.   Consider a credit makeover

A mortgage will likely be the largest, most expensive loan you ever take out. When it comes to a loan that will follow you for decades, you want to make sure to get it right the first time.

Many factors go into loan approval and interest rates, but chief among these is your credit score. This magic FICO score is numeric proof of your borrowing ability. Lenders assess your likelihood to pay, or default, on a mortgage through your credit score. If you appear to be a subpar candidate, banks will accomodate for added financial risk through large interest rates. That is, of course, if you qualify in the first place.

If you qualify, mortgages can be the perfect, big-ticket loan you need to improve your credit score. However, this is a double-edged sword — overextended borrowers can just as easily ruin their credit standing. Those that are bogged down by high interest rates risk defaulting and further damaging their credit scores, so it’s important to secure an affordable loan from the outset.

Worried you might not qualify for the mortgage you want? Consider partnering with a professional credit repair company.

Help Me Credit is comprised of credit experts who will dispute false or misleading report items. On average, members see a 40-point score improvement in the first four months of their subscription. Contact Help ME Credit to receive a credit consultation and audit of all of your credit accounts. Start on the path toward better credit, lower interest rates, and loan approval.

Also, If you are in the process of buying a home please reach out to one of Florida's best and rising realtors. Her negotiation skills are impeccable and can get you in a home. Her name is Yasmine Bisumber, she is also a great blogger! 

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  Avoiding Sky High Auto Loan Interest Rates with Poor Credit

Credit scores touch just about every aspect of our lives at one point or another. For many, the impact of a low credit score is most keenly felt when applying for credit on a major purchase, such as a home mortgage or auto loan.

Oftentimes those with poor credit learn to live without credit cards and other “nice to haves,” but when it comes to the “must-have” necessities of life, homes and cars top the list. But consider this: auto interest rates continue to rise for borrowers with poor credit. The average auto loan interest rate for those with a credit score of 600 or less is 15 percent and up for a 40-month loan.

Furthermore, the Federal Reserve raised interest rates a quarter of a percent in December, marking its third rate hike in 2017. This means interest rates for those with poor credit will continue to creep even higher, severely limiting the options of the approximately 68 million Americans, which, according to VantageScore, have credit scores below 601.

Subprime rates on the rise

Subprime auto loan rates have skyrocketed compared to where they were just a year ago. The average subprime rate of 5.91 early in 2017 has jumped to 16.84 today, according to a recent report from ABC.

This has put car ownership out of reach for many Americans. For those who do secure an auto loan, they are often relegated to used car options. Furthermore, subprime loan interest rates often result in payments that are so high that loans become delinquent or go into default. This becomes a vicious cycle and only adds to consumers’ credit woes.

While credit reports and scores can become an afterthought in the hustle and bustle of daily life, it’s important to consider the things that impact your credit score and manage them before you begin shopping for an auto loan. It can take some time to clean up your credit, but doing so allows you to secure a lower interest rate, saving you a lot of money over the life of your auto loan. Raising your credit score by just 20 or 30 points can cut the auto loan interest rate for which you’ll qualify almost in half.

For those with good credit — meaning scores in the 690 and higher range, interest rate hikes mean far less significant hikes in car payments. The Fed’s latest hike of a quarter percent for someone with a healthy credit score would result in an average $4 increase in payment each month. When it comes to securing an auto loan, it clearly pays to make sure your credit is up to snuff.

If a car purchase is in your future and you’d like to start cleaning up your credit today, Help Me Credit can help. We offer a free consultation, credit report review and credit score consultation.

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