Don't let so called credit repair company's tell you that just removing items will get you into a home or auto today, its not true.  Credit is based on history 1st and how you pay your bills, its going to take time a lot of time.

You must rebuild your credit, correcting items that are wrong such as names, addresses and if an account is really yours. An account can be out of the statue of limitations meaning in your state guide lines and you can have  to many inquiries. All of these things can bring down your score so all of these items can hold you back. 

Pull that credit report and go over it, start disputing the items not yours with back up, do not dispute on line but in letter form certified.  When you buy a car know your score before you go in and tell them not to shot gun your credit. Stop applying for credit cards you know you do not qualify for, you can go on line and find a card best for your credit score and you have a better chance on getting it.
 Always pay before the due date and if not paid off down to at least 30%.

Always ask when applying for anything what the interest rate is and always read the fine print, an hour of reading is better then a life time of pain. 
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Credit Karma is not an accurate score reporting  company, remember you get what you pay for but it gives you an idea what's on the report.

Interest rates are down below 2.9% today as I write this, and  its a great but are you really getting the best deal, it depends on who you ask.
Here in Las Vegas house were selling like hot cakes, we were once again in a bidding war and they are saying its a housing shortage. My question is this, is it really and if so, will and if the market crashes what happens to the price of homes because there will be a flood of foreclosures.

Now this is what I see, yes if you could get into a home its a great thing especially at a great interest rate but there are a couple of thing you need to look at. Because the rates are low everyone may not qualify for it, it depends on your credit of course FHA is the way to go.  I look at and listen to both sides of the coin,  the 1st side is yes I'm going to get a low rate but a much smaller home for my money so in the future will I be upside down because at some time the rates will rise. You will then have  people who may not want a smaller home at a higher rate.

Let's take an example.. I pay $300.00 for a home that in normal situations would give me a home at about 2300 a square foot average.  Today with low rates it would be about 1700 a square foot, so now you  have sacrificed  footage for a rate, is that smart?  I'm not saying not to buy I'm telling you what's going on.

You need to think about this and why and ask yourself, is this your 1st home and are you a 1st time home buyer, are you single and how long will you stay in that home? There are reasons to buy such as it may be better then renting an apartment and maybe your going to rent it out later making an  additional income, in that case your as they say golden. Remember home purchasing is something that is suppose to start you on your way  to wealth.** You never buy the highest priced home on the street and intend to make money when you sell **   Some people might think, I got a great rate "lol" but did you get great footage that's my question.  

So to sum it up let me know if you think because the rates are great are you getting the best deal.

You may have heard of this and if you have not let's get started. This is a nine-digit number used to identify your business, its issued by Dun & Bradstreet usually identified like this (D&B). The number is  is like a Social Security number but for your business.  If a business and or financial institution wants information on your business this is what identifies you and the business. 

Should your company have one? if your company is registered out side of the US it's good to have. To register with D&B, you are not required to obtain a federal Tax Identification Number (Employer Identification Number.

What does the number show:  This number issued are often used by lender and investors to determine a company's eligibility for credit. A D&B report contains many useful financial metrics, such as payment history and public filing information.

Can you use your Duns number on credit card applications?: Applying for business credit using your DUNs Number and Employer Identification Number is how you separate your business credit from your personal credit, a lot of business credit applications ask for your EIN and DUNs number.

                                     How to build Business Credit on a Dun & Bradstreet number
1. Establish your business as a separate Entity, Ideally, business owers think about credit before..
2. Register for a Dun & Bradstreet D-U-N-S Number. 
3.Get an Employer Identification Number From the IRS. An Employer Identification Number (EIN)
4. Open a Bank Acount for your Business, your going to need that.. 
                                    https://www.dnb.com/resources/how-to-build-business-credit.html

I have been receiving phone calls from a lot of viewers to my page as well as clients during this time in which we have no control of, asking for information on auto payments, car notes as well as rentals.  So here is what I'm finding  out.. On credit cards, its going to be entirely up to the provider of the card, I would hope they do the right thing and assist.   I made three calls this morning to ask how they could or would help with them directing me to their page. Please understand they are looking at your account by the way in the past you have paid, they are not going to give you a certain arrangement if you have been late in the past or maybe maxed out before this emergency started  and always paid the minimum. 

I called for one client that gave me permission who has a high balance always paid on time and all they would do was 2 choices,  1. pay the amount owed over a year with a 0% interest or  2. pay over 5 yrs 0% and closing the cards, now for them to go with the 2nd program the payment was reduced to lower  monthly payments and for them to enroll they had to be late to enroll. 

 provided a list of some of the cards here for you to contact, you can go to your cards web page and look for the Covid-19 arrangement and it will direct you to a page for you to either sign up or call and speak to someone, I could not access  some cards because it has to be you. Please call the phone # on the back of your credit card and ask for the department that would handle payment arrangements for the Covid-19. *** Do not go out and max out your card and think they are going to forgive or help in that situation, I see a lot ot cards closed in the near future due to this virus.

Goldman SachsGoldman Sachs, the issuer of the Apple Card, recently sent out an email to its cardholders announcing that those affected by COVID-19 can enroll in the Customer Assistance Program, which will enable them to skip their March credit card payment without incurring interest. You must enroll in the program online in order to take advantage of this offer.


DiscoverDiscover has said that qualified customers may receive assistance related to payment timing, fees, and late payments. As with the rest of the issuers here, you should contact Discover to go over your options.


U.S. BankU.S. Bank is waiving credit card fees and working to enhance its payment deferral programs for those who cannot keep up with their credit card payments. It is also offering credit limit increases to those who are interested. You should reach out to U.S. Bank directly to see what options are available to you.
These were just a  few.

Apartments:
I saw that there is an apartment here in Nevada that 1st is letting their clients know that rent is still due "shame on you" we know rent is still due, we are in a crisis and its not that people do not want to pay it just may be a little later.  I have found that certain apartments here owned by the same company is not offering client in different area's the same relief "shame on you too"  Now I like this one, this was offered to their  clients.  Rent is normally due on the 1st, you have until the 2nd, well they are giving you until the 5th with no late fee's.  With a letter from your company saying you have been furloughed you have until the 15th with no late fee's and listen to this, they are giving you a $100.00 credit it paid on time or by the 5th, they value their clients..Thank you.

Auto:
Ally is one company who has out done themselves " Thank you for helping" This company stepped up at the very beginning,  not sure of the rest but you need to ask for your auto company to assist you in payments and again its going to depend on your payments and if you have asked for assistant in the past. 
 
After this is over you most likely will need help in assisting you for removing items, feel free to contact me and leave any messages you might have on any of  the items listed. 

Using A CPN Is A Fraud and A Crime
In Fraud ScamsJuly 30, 2018 Frank McKenna