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Road to Empowerment
Financial Tips
"Prosperity Boulevard"
You can go up the block to Elevation Lane for your
Career Development and Training Tips
Looking for ways to increase your paycheck by working smarter, not harder?
Well look no further!
We are here to help with financial tips to start you on your way.
TIP OF THE WEEK
CREDIT REPAIR
Credit repair is the process of identifying
negative information pertaining to the credit
report of an individual and eliminating or
fixing any mistakes that may have
led to a bad credit rating.
The process by which a person or business
improves their ability to borrow money,
for example, by correcting wrong information
in their credit report or reducing their
amount of debt more quickly.
It is the act of restoring or correcting
a poor credit score.
Before you can begin to understand
the importance of credit repair, you first
must know what your credit report looks like.
You can start by requesting a copy of your
credit report through one of many free credit
reporting services online, search google
“free annual credit report” and then
make your selection.
Now that you have acquired your credit report,
review the information listed to see if everything
is accurate and that all items belong to you.
Note…. any items that do not belong to you,
whether name, address, or account you have the
option to dispute it and once investigated the item
can be removed from your credit report.
After you have identified the items to be disputed
you can see who and how much you owe.
Knowing who and what you owe is important
so that you can see firsthand what is needed
to begin your credit repair process.
Make a list of the creditors you owe,
include the name of the company, phone number
and date the accounts were opened according to
the credit report. Now you can call to see what
options are available to resolve the account.
Usually, the creditor will allow you to make
payments and or even make settlement offers
that will clear the account and once paid
in full, will be reported to the credit agency
to show the account has been satisfied.
Before you commit to any payment arrangement
or make a settlement offer, be sure to review
your current budget (income and expenses) to
determine an amount you can afford to pay
monthly or in lump sum..
*Something to Remember*
"A good man leaves an inheritance to
his children's children, But the wealth of the sinner is stored up for the righteous."
Proverbs 13:22
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