Today 10/10/2018 only startup fees are $50.00 for credit repair. So join today!!!!! Great Credit is a necessity.


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Tax Withholdings

https://apps.irs.gov/app/withholdingcalculator/index.jsp  Enter your information correctly into the link above to make sure your withholdings is correct!!! Get your money during the year while you need it, instead of at the end of the year!!!! You shouldn't have to struggle all year!!!!
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Credit utilization

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Credit utilization  is one of the most important factors in determining your credit scores; in fact, it accounts for 30% of your credit score.  It’s something you can control and something that can be improved upon immediately, which makes it a great place to start.  So what is credit utilization? It’s the amount of debt you have relative to your credit limits. It’s best to keep your credit utilization ratio below 30%. This shows creditors that you can manage your available credit responsibly.  You don’t want to have your balances maxed out. For example, if you have a total credit limit of $10,000 and your balance is $3,000, you would be utilizing 30% of your available credit. The lower your credit utilization ratio, the better. There are two ways you can help your credit utilization. First, paying down balances is something that can have an immediate positive effect on your credit report.  Even just diverting a small amount each month can help out, e...
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Debt to Income Ratio

A debt-to-income ratio smaller than 36%, however, is preferable, with no more than 28% of that debt going towards servicing a mortgage. While the maximum DTI will vary by lender, the lower the number, the better the chances that an individual will be able to get the loan or  line of credit  he or she wants. For example, John pays $1,000 each month for his mortgage, $500 for his car loan, and $500 for the rest of his debt each month. Therefore, his total recurring monthly debt equals $2,000 = $1,000 + $500 + $500. If John’s gross monthly income is $6,000, his DTI would be $2,000 / $6,000 = 0.33, or 33%. There are two ways to lower debt-to-income: reduce monthly  recurring debt  and/or increase gross monthly income. Using the above example, if John has the same recurring monthly debt of $2,000 but his gross monthly income increases to $8,000, his DTI would be $2,000 / $8,000 = 0.25, or 25%. Similarly, if John’s income stays the same at $6,000, but he is able to pa...
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