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Our Blog

Wednesday, October 10, 2018

A Message From Our CEO

A Message From Our CEO

Hello, my name is Ernie Peña!

I am here today because every day I talk to people that are currently going through troubled times either financially or mentally. I want to take the time and tell you, you are not alone! 4 years ago I was blessed with a beautiful daughter named, Ariella Pena. Little did I know that 2 months later she would be taken from my wife and me to become an angel in heaven! The day before my daughter was born I was on top of the world, my wife and I owned our business and had everything we could ever need or imagine.

On November 9th, my life took a turn for the worst! Ariella was born with congestive heart failure and on the day before Thanksgiving that year we were on an airplane to Dallas for a heart transplant! We closed the doors to our business and moved our family out to Dallas. My daughter passed away on January 3rd while awaiting a new heart. During those two months, we lost everything we had because we wanted to spend our last moments with our angel.

18 months later, we lost my mother to cancer. Not very many people are aware of this part of my life. The whole point in bringing this up and to everyone’s attention today is because I am now the proud Owner/CEO of the top growing credit repair companies here in San Antonio! My mom and my daughter are the Angels in my life that inspires me to continue on and to push forward with helping people in our communities change their lives every day! We assist them in the process it takes to responsibly purchase the home or car of their dreams.


Every day we are blessed with the opportunity to truly help our clients do things that they never imagined were possible due to the hard times they were facing before they found out about the services we have to offer their families! I love the fact that I am able to relate to my clients every day, so TRUST ME when I say that I have been in your shoes or a VERY similar situation when it comes to losing EVERYTHING and REALLY struggling financially. I really have experienced some of the most challenging and trying times of my life during both of the previously stated experiences.

If you are thinking of giving up on yourself, I am here to tell you DON’T EVER give up on yourself or someone you love! Life can be very trying at times, but ALWAYS remember if you are ever feeling like times are so difficult and you think no one around can relate to your situation. I am here for you and I have gotten myself educated and paid my way through training to help you to the best of my ability! I took things a step further and now my entire company is trained to help you just as if I was helping you!

We help people every day change their lives during those times of struggling and really not knowing how their future needs for shelter or transportation will be met. Credit is one of those things that are fundamentally important if you are seeking out ANY type of self-improvement to your quality of life in the near future. Don’t be afraid to reach out for assistance, we ALL need help at one point or another in our lives. Thank you for taking the time out of your day to read this I realize it is lengthy, but no amount of words can express how grateful I am for all of my current clients, present clients and hopefully more future clients to come. I just wanted everyone to know the motor behind my passion and drive that keeps me going and motivated daily.

Thanks Again,


Ernie Peña

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Thursday, June 1, 2017

7 steps to increase your credit score fast

Following these 7 steps will increase your score quickly.
Credit Report Basics
  1. Order fresh new copies of your credit reports from all 3 bureaus: Equifax, Experian, and TransUnion. *We will assist you with this step.
    Credit reports are constantly changing. Therefore it is important to up-to-date copies. A good rule of thumb to know is: If someone else runs your score or reports, this will hurt your score. However, if you order your own credit reports (which we will help you with) your score will not be affected. You also may want to sign up for credit monitoring to see your reports and score and track changes as they happen.
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  1. Correct all inaccuracies on your Credit Reports. *We will assist you with this step.
    Go through your credit reports very carefully. Especially look for; Late payments, charge-offs, collections or other negative items that aren't yours, Accounts listed as "settled," "paid derogatory," "paid charge-off" or anything other than "current" or "paid as agreed" if you paid on time and in full, Accounts that are still listed as unpaid that were included in a bankruptcy, Negative items older than seven years (10 in the case of bankruptcy) that should have automatically fallen off your report (you must be careful with this last one, because sometimes scores actually go down when bad items fall off your report. It's a quirk in the FICO credit-scoring software, and the potential effect of eliminating old negative items is difficult to predict in advance). Also, make sure you don't have duplicate collection notices listed. For example; if you have an account that has gone to collections, the original creditor may list the debt, as well as the collection agency. Any duplicates must be removed! Make sure that your proper credit lines are posted on your Credit Reports. Often, in an effort to make you less desirable to their competitors, some creditors will not post your proper credit line. Showing less available credit can negatively impact your credit score. If you see this happening on your credit report, you have a right to complain and bring this to their attention. If you have bankruptcies that should be showing a zero balance…make sure they show a zero balance! Very often the creditor will not report a "bankruptcy charge-off" as a zero balance until it's been disputed.
  2. If you have any negative marks on your credit report, negotiate with the creditor or lender to remove it. *We will assist you with this step.
    If you are a long time customer and it's something simple like a one-time late payment, a creditor will often wipe it away to keep you as a loyal customer. Sometimes they will do this if you call and ask. However, if you have a serious negative mark (such as a long overdue bill that has gone to collections), always negotiate a payment in exchange for the removal of the negative item. Always make sure you have this agreement with them in writing. Do not pay off a bill that has gone to collections unless the creditor agrees in writing that they will remove the derogatory item from your credit report. This is important; when speaking with the creditor or collection agency about a debt that has gone to collections, do not admit that the debt is yours. Admission of debt can restart the statute of limitations and may enable the creditor to sue you. You are also less likely to be able to negotiate a letter of deletion if you admit that this debt is yours. Simply say "I'm calling about account number ________" instead of "I'm calling about my past due debt." Again, as your credit specialist, we will help you with this step.
  3. Pay all credit cards and any revolving credit down to below 30% of the available credit line.
    This step alone can make a huge impact on your score. The credit scoring system wants to make sure you aren't overextended, but at the same time, they want to see that you do indeed use your credit. 30% of the available credit line seems to be the magic "balance vs. credit line" ratio to have. For example; if you have a Credit Card with a $10,000 credit line, make sure that never more than $3000 (even if you pay your account off in full each month). If your balances are higher than 30% of the available credit line, pay them down. Here is another thing you can try; ask your long time creditors if they will raise your Credit Line without checking your FICO score or your Credit Report. Tell them that you're shopping for a house and you can't afford to have any hits on your credit report. Many will not but some will.
  4. Do not close your old credit card accounts.
    Old established accounts show your history, and tell about your stability and paying habits. If you have old credit card accounts that you want to stop using, just cut up the cards or keep them in a drawer, but keep the accounts open. 
  5. Avoid applying for new credit. 
    Do not apply for any new credit! Each time you apply for new credit, your credit report gets checked. New credit cards will not help your credit score and a credit account less than one-year-old may hurt your credit score. Use your cards and credit as little as possible until the next credit scoring.
  6. Have at least three revolving credit lines and one active (or paid) installment loan listed on your Credit Report.
    The scoring system wants to see that you maintain a variety of credit accounts. It also wants to see that you have 3 revolving credit lines. If you do not have three active credit cards, you might want to open some (but keep in mind that if you do, you will need to wait some time before rescoring). If you have poor credit and are not approved for a typical credit card, you might want to set up a "secured credit card" account. This means that you will have to make a deposit that is equal or more than your limit, which guarantees the bank that you will repay the loan. It's an excellent way to establish credit. Examples of an installment loan would be a car loan, or it could be for furniture or a major appliance. In addition to the above, having a mortgage listed will bring your score even higher.
Throughout this process, always remember:
It takes up to 30 Days for any of these items to get reported and often longer to reflect on your Credit History Reports. Very often we must write a series of letters challenging the credit bureaus. Each time we must allow them 30 days to respond. It can feel like a slow process but hang in there, because it does work and the end result will save you a tremendous amount of money.



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Wednesday, January 25, 2017

What is the secret to a high credit score?


What is the secret to a high credit score?
  1. Always pay your bills on time!
  2. Don’t close old accounts!
  3. Don’t apply for any new credit! 
  4. Don’t ever use more than 30% of your available credit on each credit card! 

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What happens if you are denied credit or don’t get the terms you want?
If you are denied credit, the Equal Credit Opportunity Act requires that the creditor gives you a notice that tells you the specific reasons your application was rejected or the fact that you have the right to learn the reasons if you ask within 60 days. Indefinite and vague reasons for denial are illegal, so ask the creditor to be specific. Acceptable reasons include: “Your income was low” or “You haven’t been employed long enough.” Unacceptable reasons include: “You didn’t meet our minimum standards” or “You didn’t receive enough points on our credit scoring system.”
If a creditor says you were denied credit because you are too near your credit limits on your charge cards or you have too many credit card accounts, you may want to reapply after paying down your balances or closing some accounts. Credit scoring systems consider updated information and change over time.
If you’ve been denied credit, or didn’t get the rate or credit terms you want, ask the creditor if a credit scoring system was used. If so, ask what characteristics or factors were used in that system, and the best ways to improve your application. If you get credit, ask the creditor whether you are getting the best rate and terms available and, if not, why. If you are not offered the best rate available because of inaccuracies in your credit report, be sure to dispute the inaccurate information in your credit report.



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Monday, January 23, 2017

Credit Score Ranges


Do I have a right to know what's in my report?
Of course, you do. By law, the agencies must give you a free report annually. However, those free reports do not contain scores. For credit repair scores we recommend an inexpensive credit monitoring service.

What is a Credit Score?
A credit score is a number generated by a mathematical formula that is meant to predict credit worthiness. Credit scores range from 300-850. The higher your score is, the more likely you are to get a loan. The lower your score is, the less likely you are to get a loan. If you have a low credit score and you do manage to get approved for credit then your interest rate will be much higher than someone who had a good credit score and borrowed money. So, basically, having a high credit score can save many thousands of dollars over the life of your mortgage, auto loan, or credit card.

Credit Score ranges and their meaning:
800 and Higher (Excellent) With a credit score in this range no lender will ever disapprove your loan application. Additionally, the APR (Annual Percentage Rate) on your credit cards will be the lowest possible. You’ll be treated like royalty. Achieving this excellent credit rating not only requires financial knowledge and discipline and, but also a good credit history. Generally speaking, to achieve this excellent rating you must also use a substantial amount of credit on an ongoing monthly basis and always repay it ahead of time.
700 – 799 (Very Good) 27% of the United States population belongs to this credit score range. With this credit score range, you will enjoy good rates and approved for nearly any type of credit loan or personal loan, whether unsecured or secured.

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680 – 699 (GoodThis range is the average credit score. In this range, approvals are practically guaranteed but the interest rates might be marginally higher. If you’re thinking about a long term loan such as a mortgage, try working to increase your credit score higher than 720 and you will be rewarded for your efforts – your long term savings will be noticeable.
620 – 679 (OK or FairDepending on what kind of loan or credit you are applying for and your credit history, you might find that the rates you are quoted aren’t best. That doesn’t mean that you won’t be approved but, certain restrictions will apply to the loan’s terms.
580 – 619 (PoorWith a poor credit rating you can still get an unsecured personal loan and even a mortgage, but, the terms and interest rates won’t be very appealing. You’ll be required to pay more over a longer period of time because of the high-interest rates.
500 – 579 (BadWith a score in this range you can get a loan but nothing even close to what you expect it to be. Some people with bad credit apply for loans to consolidate debt in search for a fresh start. However, if you decide to do that then proceed cautiously. With a 500 credit score, you need to make sure that you don’t default on payments or you’ll be making your situation worse and might head towards bankruptcy, which is not what you want.
499 and Lower (Very BadIf this is your score range you need serious and professional assistance with how you handle your credit. You’re making too many credit blunders and they will only get worse if you don’t take positive action. If you are thinking of a loan then keep in mind that if you do find a sub-prime lender (which won’t be easy), the rates will be very high and the terms will be very strict. We recommend that you fix your credit and only then move on to applying for a loan.




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Sunday, January 15, 2017

How does credit repair work?


Credit repair is 100% legal. It works because of a law called “The Fair Credit Reporting Act.” The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Even accurate negative items can often be removed or negotiated away. This law is the basis of all credit repair and the foundation of our business.

Your credit payment history and profile is the makeup of a credit report. These files or reports are maintained and sold by “consumer reporting agencies.” One type of consumer reporting agency is commonly known as a credit bureau. The largest three credit bureaus are Transunion, Equifax, and Experian. You have a credit record with these agencies if you have ever applied for a credit or charge account, a personal loan, or a job.Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have defaulted on any debts, have any outstanding judgments or child support, and whether or not you have any bankruptcies.




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Sunday, December 25, 2016

What can I do to help raise my credit score?

What can I do to help raise my credit score?



  • Pay all of your bills on time, every time. This includes your utility bills, mortgage and auto payments, and all of your revolving lines of credit like credit cards. Check your credit report at least once a year. You can find out how to challenge bad information on your credit report here.
  • Never charge more than 30% of the available balance on any of your credit cards. Banks like to see a nice record of on-time payments, and several credit cards that are not maxed-out. If you are carrying high balances on your credit cards, then make paying them down below 30% a priority. Do use your credit cards – Many people who make mistakes with their credit believe that the best way to fix things is to never use credit again. If you are afraid that you cannot handle your credit cards correctly then the best policy is probably this one: Run only your utility bills on your credit cards each month, and then pay the balance in full by the due date. This ensures that your utility bills get paid on time automatically, and as long as you keep the habit of paying off your credit card balance each month your score will continue to go up. Leave the credit cards locked in a safe or drawer at home.
  • Keep your accounts open as long as possible – Even if you are no longer charging on the card. The best policy is to keep those unused accounts open, blow the dust off your card every few months to make a small purchase, then pay it off. How long each of your accounts have been active is a major factor in your credit score.
  • Remember that this all takes time – Following the above steps consistently over a long period of time will increase your credit score and allow you to qualify for better loans and lower interest rates. Repairing your credit score does not happen overnight, so if you do these things for a few months and do not see a large increase in your score, do not give up. They are all habits that you will want to maintain throughout your life, as they will help you to keep your finances and lines of credit under control.



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The Facts

10,000,000 Monthly
Google Searches for Credit!
70 % of the U.S.
Has below average credit!
8285 Accounts
Updated/Repaired or DELETED!

Why Wait?


CREDIT EDUCATION & DOCUMENT PREPARATION SERVICES
HAVING GREAT CREDIT IS MORE IMPORTANT THAN EVER!
BUT WHY WORK WITH US?
We are a company with integrity.
We are very experienced with consumer, business and mortgage credit.
We will be intimately involved with your credit repair experience.
We prepare all of the documentation for the various credit agencies.
We will be there for you every step of the way.
We help and guide you from start to finish.
Low Monthly Payment
Great Long-Term Results
Improvements Every 30 Days
100% Money Back Guarantee
No Long-term Contracts
Cancel At Anytime
Monitor Your Case 24/7
Free No Obligation Consultation
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