My name is Rose Jones business women and entrepreneur with a back ground in mortgages.
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To began I never ever thought I would see rent rise like this and most likely you either, it's crazy.
I have clients who have told me their rent went up from $1,300.00 to $1,400.00 and the only reason its that low is because they are long time residents. The rents for a 2 bedroom now in her complex for new client are showing $1,900 - $2,400.. not sure why the big difference is.
If your already renting and your new lease has not come to you yet...prepare for the shock of a life time, there is not much you can do. Some people say "I will move", well be prepared for high deposits and high rent, it going to be a bumpy ride. Landlords and rental company's are taking advantage of the housing shortage and people skipping out on paying did not help any.
People took advantage of the rent moratorium by not paying their rent and the landlords or apartments are taking advantage of that by trying to re-coup money lost. If at this time people need to really get a hold of their credit report because if you moved out of an apartment before being evicted its still going to go on your credit report. That rental will show as a broken lease or an apartment name and all money owed so your not out of the woods, If you get evicted that's worst because its so hard to rent with it on your credit.
Remember when applying for a rental your application is in line with others and you better make it look good. Look at your credit score, are there any negative items on there if so take care of them if at all possible don't wait. Bump up your score by asking a family member to add you to their credit cards, its called piggy backing, ask if the apartment you pay too can report your past and recent payment history. There are companies out there that will report your rent payment history for a fee, you need to find out if your landlord or leasing company will provide that to them. Now keeping in mind this is like paying a mortgage so you need to be on time with all payment for your rent, they can go back up to 2 years. If all else fails I can provide you a tradeline which can help you raise your score for home buying or rental.
Right at this very moment are in a fight for your life and your family's, please do not wait for help as it may not come so you need to stand up and fight for yourself.
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This can be a scary situation not knowing if your going to be approved for a credit card, I know that feeling but here's the scoop on applying.
Most people apply because they received something in the mail and didn't read the fine print. Most apply and unless its a secured card because of your credit they are denied. Just because you received a card in the mail or in your e-mail does not mean your approved, READ THE FINE PRINT.
Now I have gotten information in the mail and applied and gotten approved but keep in mind my credit afforded me that opportunity. If you already have a credit card most of the time they will give you a credit increase without even asking. If you look on your report you may see it on your report as a soft inquiry. You may ask for an increase on a card after 6 months of paying on time, you may or may not get it, its up to the bank. Google credit card for credit and you can put in if its bad credit and no credit it will pull up the cards to help you on your way.
Once you apply its most likely a hard pull, its on your bureau report as an inquiry for 2 yrs, this reduces you credit score anywhere from 3-5 pts. Most people go and apply for another card and repeat the process since they didn't get that one and lowing your credit score even more. Before you apply for anything you should always know what your bureau scores are because your taking a hit each time you apply. Credit cards are not the only way to build credit, if someone is telling you that they are wrong.
Below you will see a chart that further explains how your credit is evaluated and what lenders see. You may have work to do to get to that 720 score, its not impossible but can take time.
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Medical debt can be a killer on your credit report and this is why, its called OUT OF-Network. Let's start with finding out if your insurance is excepted at a hospital or clinic, most of the time when you call they will say yes. Now them excepting your insurance does not mean all of the doctor's do and there comes the problem.
In an emergency you don't have a choice on who may assist you and your not going to ask you just need help. In an emergency situation if your going to a clinic such as maybe a quick care, yes they will take your insurance at the check in but you will most likely receive a bill in a week or two. This is called out of network billing, meaning that the doctor or doctors seeing you are not covered by your insurance, they need to be IN-Network, now you have a bill.
People always say, " I had Insurance" but what your failing to understand is If your admitted to a hospital your insurance may not cover everything such as medication, days hospitalized parts of a procedure and if the doctors treating you are in network, they're not going to turn you away. There as well can be a problem with coding, its done by people in the billing department and they make mistakes.
What you should do before going to a clinic:
1. Read your policy
2. Call your insurance company to find out what is covered and what your responsible for.
3. Get a full copy of services rendered.
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People don't know who Lexis Nexis is so le's learn right now and why its important to get your information from them. now remember just because the information is there does not mean its right. If you ever wanted to know all of your life's history this is the one that will give it to you. This is the big boy of your credit reporting information as well as a lot of your life's information, it has files on you all the way back to when you got your 1st job and much much more so let 's go.
Homes you have owned
Autos, owned and paid off
Sex offender records,
Family member names
Business you may have owned
You name it, its there now keep in mind this information is free to you, it will come to you in a large envelope and its eye opening.
You wonder why you can't repair your credit this is why, there are 2 other companies reporting your information as well as the main 3 and banks which use Check Systems, that's another story. Now when you receive this report it will as well give you sign in information and a pass word if you wish to continue on line, I personally am a letter writer I want back up. You need to go through the report page by page and correct all the information that is not correct meaning not yours or you want them to prove and delete, its not going to be easy and will take time but remember its your credit.
Once you do this you will need to contact the other two Sage Stream and Innovis and ask them to correct the information as well, so at this point you going backwards because you have to hit the mother load 1st.
This can be time consuming and if you have the time its well worth it, of not contact me 702 444-0345 today.