Credit | Everything You Should Know | Credit Basics For 2019

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Credit | Everything You Should Know | Credit Basics For 2019

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Credit | Everything You Should Know | Credit Basics For 2019

Keeping It Basic with Credit!

Summary:
Managing your credit and making it work for you starts by understanding the basics. Knowing how credit works is a powerful resource for your day to day, as well as, long term financial stability.

Types of Credit Accounts
Revolving Accounts
One of the ways Creditors make money is by charging you interest. Credits Cards are considered monthly revolving debts because they are reexamined on a monthly basis with varying balances and charges.

Installment Debts
Other types of debts are Installment Loans like your Student Loans and Car Loans. These have SET monthly payments over a period of time with a built in finance fee, this is also known as the terms of the loan. There is no benefit in paying off early as the financing forecast is already built into the monthly payments.

Mortgage / Real Estate Loans
Mortgage / Real Estate loans are in a category of their own. These loans are AMORTIZED over the life of the loan and usually accumulate interest/finance charges on a daily basis and billed monthly. Paying these types of debts off as fast as possible will benefit you tremendously as each day you owe less you will be charged less interest. You can save money daily by just making extra payments when you can.

Your Consumer Credit Rights
The Fair Credit Reporting Act allows creditors 30-days to respond to disputes. Learn more about your rights at the link below:

Fair Credit Reporting Act


Page 59 of PDF
§ 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i]
In general. Subject to subsection (f), and except as provided
in subsection (g) if the completeness or accuracy of any item
of information contained in a consumer’s file at a consumer
reporting agency is disputed by the consumer and the consumer
notifies the agency directly, or indirectly through a reseller,
of such dispute, the agency shall, free of charge, conduct a
reasonable reinvestigation to determine whether the disputed
information is inaccurate and record the current status of the
disputed information, or delete the item from the file in
accordance with paragraph (5), before the end of the 30-day
period beginning on the date on which the agency receives the
notice of the dispute from the consumer or reseller.

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Credit | Everything You Should Know | Credit Basics For 2019
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I'm here to provide actual, real life mortgage advice, real estate help, retirement planning, qualifying tips, rules, guidelines and guidance. What are my credentials? I own a Mortgage Company, Real Estate Firm and Insurance Agency ....I have a fiduciary responsibility to ensure I'm communicating the most relevant and accurate information to everyone!

Mortgage / Real Estate / Retirement Planning
NMLS:131435 / DOL:25463 / WAOIC:982980

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Credit | Everything You Should Know | Credit Basics For 2019

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