credit

Many people took a hit when the economy tanked a few years back. Some people took a good bit more than a hit. However, now that the economy is heading into recovery, it’s time to start fixing those dinged credit reports. Most people are more than a little overwhelmed by the thought. Maybe you don’t know where to start. Maybe you’ve tried to repair your credit by yourself a few times, but stalled out when creditors weren’t responsive to your efforts.

At AskTani.com, we have developed an Entry Level program that helps you repair and rebuild your credit from start to finish. We can help you rebuild even a poor credit score into one that shows marked improvement.

What makes our program unique?

Our emphasis is on looking at your cash flow rather than your total debt amount.

Looking at what can be a fairly sizeable sum of debt can be really intimidating to some people.

We start off by looking at your overall cash flow, and making sure that you’re managing your current bills responsibly.

We know that you didn’t intend to go into debt, but we also know that when you do, it often spirals out of control, and that sometimes it’s easier for you to just bury your head in the sand. It’s our job to help you see the light at the end of the tunnel.

While it’s important that we have a current credit report, we’re not going to spend time focusing on what your score is today. That doesn’t matter. What is important is the end result, and we help you set a goal with a long term plan for improving that score over time. Not only are we looking at paying off old debt, but at bringing some good credit to your report as well. It takes both actions to truly repair your credit!

Often, when you get to the point where you realize you must do something about your debt, you may feel ashamed. You may feel like a failure, or like you’ve let yourself, or your family, down. We understand your feelings, and we’re here to help you make amends.

It’s going to take hard work, and a little sacrifice, but we know that we can help you move in a positive direction and begin taking those first hard steps towards rebuilding your credit!

This program asks for a six month commitment because it takes the credit agencies a minimum of 45 days to respond on the disputes while we are WAITING we are working ON YOUR GOALS.

The INITIAL investment is $199 AND $89 per month.

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It appears that no one wants to be in a relationship with debt. Many of the respondents in the National Foundation for Credit Counseling (NFFC) monthly poll, of which Apprisen is a member, indicated that they have reservations in regards to taking on debt of their loved ones. The reservations are to the point of ending the relationship. The NFFC poll results below show the participants view regarding taking on debt of loved ones.

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The NFFC January poll question and results are as follows:

A. 37% will not marry until the debt was paid

B .46% will marry and pay it off together

C. 10% will marry but not help pay the debt

D. 7% will end the relationship

 

Considering all negativity coming from debt, some people may not realize that issues can go beyond credit scores or interest rates. “It appears that debt overrides love, at least temporarily, when deciding to move forward in a relationship, its money over marriage,” said Jana Castanon, spokesperson for Apprisen.

Particularly, young adults who emerge from college with thousands of dollars in student loans debt are the ones who give second thoughts about continuing a relationship. If two millennial with similar debt obligations marry then they will have a debt load. Nearly all divorces in America are caused by existing debt issues, in my line of business I’ve learned that its about communication vs. debt issues. Mentioning this brings to no surprise that people are more reluctant to start their relationship on the wrong financial foot.

Debt impacts your credit report and credit scores severely. It impacts it to the point where it affects the basic essentials needed when building a life together. It may become difficult to buy or rent a home, purchase a car, insurance, or even apply for a job.

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Couples should be aware and know the difference in how credit reports and scores are counted for individuals and they are not rated as a couple. Matrimony brings two people together, but their credit remains separate. Accounts however, can be opened jointly as a co-applicant. People mainly apply jointly when making a large purchase which requires two sources of income to support the loan. Specifically in this case if one person has a low credit rating it may affect the approval or when extending credit the interest rates may be higher. Furthermore, the benefit of having a person with good credit is that it may improve your own. Adding a person to an account as an authorized user permits the reporting to appear in both the primary and the authorized user name. When credit is handled responsibly it will positively impact on both credit reports.

Who said love and money were separate? In a marriage, financial decisions are being made on a daily basis. It is the reason why it is important that couples communicate openly about their finances. Both should be willing to share sources of income, debt obligations, credit reports, and credit scoring information. Discussions are needed to know personal preferences for spending and saving. Financial baggage may be heavy, but settling differences will enable couples to spend the rest of their life in happiness.

 

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