Boletín de agosto - Los profesionales del crédito - Los profesionales del crédito
Release Date: 11/25/2024
Simple Credit Tips For Recent Graduates - The Credit Pros
The Credit Pros Podcast
Recent graduates can improve their credit and achieve financial goals like paying off student loans, starting a retirement account, buying a vehicle, or saving for a house down payment. Key tips include paying on time, increasing credit limits, diversifying credit types, and refinancing student loans for better terms.
info_outline
The Quick & Dirty Guide To Your Credit Score - The Credit Pros
The Credit Pros Podcast
A credit score, ranging from 300-850, represents creditworthiness and is crucial for lenders, employers, landlords, and credit companies. It's based on payment history, amounts owed, credit mix, length of credit history, and new credit. Different entities use different score versions; only three can be accessed from credit bureaus. High scores lead to better loan terms.
info_outline
Restauración de crédito: una guía completa para 2023
The Credit Pros Podcast
La guía detalla cómo restaurar el crédito disputando errores en informes crediticios, distingue entre restauración y reparación de crédito, y aconseja sobre la elección de una empresa de reparación de crédito legítima y cómo evitar estafas. Explica el proceso de restauración de crédito, desde el análisis del informe hasta la disputa y seguimiento con agencias de crédito, y resalta la importancia de un manejo adecuado del crédito.
info_outline
Biden's Student Loan Forbearance Extension
The Credit Pros Podcast
President Biden extended federal student loan forbearance until September 30, 2021, halting payments and interest accrual for 41 million Americans with such loans. The CARES Act originally implemented forbearance due to COVID-19. Federal loans, including subsidized, unsubsidized, and PLUS loans, are covered, but private loans are not. Private loan borrowers have options like negotiating payments, temporary forbearance, or refinancing. Those who can afford it should consider paying federal loans down during this period, as payments go directly to the principal.
info_outline
Collection Removal Expert - Help Remove Collections Items
The Credit Pros Podcast
Collections accounts appear on your credit report when you default on a debt and it is sold to a collections agency. While paying off a collections item won't immediately improve your credit score with older scoring models, newer models disregard paid collections. To remove collections, validate the debt, consider a pay-for-delete arrangement, or seek help from credit repair professionals.
info_outline
Cómo detectar y evitar las estafas más comunes en la reparación de crédito
The Credit Pros Podcast
Credit repair scams exploit those trying to improve their credit scores with false promises and illegal tactics. Understanding the Credit Repair Organizations Act (CROA) and recognizing warning signs can help you avoid these scams. Legitimate credit repair companies follow federal laws, provide detailed contracts, and do not demand upfront payments. The best way to repair your credit is through consistent financial discipline and informed decision-making.
info_outline
¿Quién tiene derecho a acceder a sus informes crediticios? - Los profesionales del crédito
The Credit Pros Podcast
Las agencias de informes crediticios (CRA) recopilan y venden su información personal y crediticia, regulada por la Ley de informes crediticios justos (FCRA). Solo se permite el acceso a su informe de crédito con un propósito permitido, incluidos mandatos judiciales, sus propias solicitudes, transacciones de crédito, empleo, seguros, administración de cuentas, cobranzas, manutención de hijos y ofertas de crédito preseleccionadas. La FCRA requiere que las CRA informen al consumidor sobre cualquier consulta, que es un registro de quién ha accedido a su informe de crédito.
info_outline
Gestión de tarjetas de crédito: 8 sencillos pasos
The Credit Pros Podcast
La gestión de tarjetas de crédito incluye el control de créditos, elección y emisión de tarjetas, y manejo de tarifas, intereses, declaraciones, disputas, pagos y el ciclo de vida de la tarjeta. Se ofrecen consejos para evitar deudas excesivas y mantener un uso eficiente de la tarjeta, como evitar cargos adicionales, mantener el PIN seguro, no hacer retiros de efectivo y evitar pagos recurrentes. Se enfatiza la importancia de un uso responsable para beneficiarse de las recompensas sin caer en deudas.
info_outline
Credit Score Hacks For 2022- TheCreditPros
The Credit Pros Podcast
Improving your credit score involves managing your credit utilization, making on-time payments, and using credit-building tools like piggybacking credit and credit-builder loans. Credit card hacks such as increasing credit limits, lowering interest rates, setting up automatic payments, and transferring balances can also aid in managing debt and improving scores. For those with bad credit, removing hard inquiries and disputing errors on credit reports are essential steps to take.
info_outline
VantageScore 4.0 - 3 Unique Features
The Credit Pros Podcast
VantageScore 4.0 is a credit scoring model created by the three major credit bureaus that includes unique features such as trended data analysis, special treatment of medical collections, and adjusted impact of judgments and public records, aiming to provide a more accurate prediction of consumer credit risk. It is one of many credit scores used by lenders, and while it offers several enhancements over previous models, its adoption by lenders may take time.
info_outline