By CreditCards.com
Starting Thursday, when the first phase of the new Credit Card Accountability, Responsibility and Disclosure (CARD) Act goes into effect, credit card users will be armed with a new right to say no to — that is, opt out of — interest-rate increases and other changes in their credit card agreements.
Under the first phase [...]
By CreditCards.com
Starting Thursday, when the first phase of the new Credit Card Accountability, Responsibility and Disclosure (CARD) Act goes into effect, credit card users will be armed with a new right to say no to — that is, opt out of — interest-rate increases and other changes in their credit card agreements.
Under the first phase [...]
by George Anders
published: 08/16/2009
Parade Magazine
More than one million Americans filed for personal bankruptcy last year—an increase of more than 30% over 2007. Unexpected medical bills are a top cause of personal bankruptcy. Other reasons include losing a job, struggling through divorce, getting stuck with an unmanageable mortgage, or simply going on a $30,000 credit-card [...]
If you have tried to get a home loan and have been turned away in the past because of bankruptcy, bad credit, or sub-prime credit – we can help!
Truth about bad credit
Did you know the average credit score in the United States is only 692?* It is now even more difficult for the average American [...]
by Prashant Gopal
Wednesday, June 24, 2009 provided by BusinessWeek
After years of getting Americans hooked on credit, card companies are slashing limits and weaning themselves off all but the safest customers
Terry Mazzera has worked to keep her credit score above 730, paying bills on time, sending in more than the minimum credit-card payment each month, and [...]
Unfortunately the divorce rate has been increasing in the United States. Far too many people go through these painful breakups. To make matters worse, the split is not only causes emotional pain but often times it also causes financial strain.
In some occasions there are people who have been responsible with their credit for years and [...]
By Jessica Silver-Greenberg
Business Week
It’s hard to find a group more publicly reviled than credit-card companies. On Apr. 23, President Barack Obama plans to convene executives at the White House to challenge high card rates and predatory practices, while Congress readies legislation that would crack down on the industry.
But most of the crackdown that Congress is [...]
Unfortunately, legitimate credit repair and restoration companies have taken a lot of heat over the last decade because some organizations made false claims and often times did nothing to help consumers. The FTC and state attorney generals have been working hard to remove the bad companies and to make sure the good ones are operating [...]
In these tough economic times, everyone can benefit from these cost-saving tips.
1- Negotiate!
Sometimes lowering your bills is just a phone call away. It doesn’t take any kind of special skill or secrets. Just tell the company that you want to cancel their services. In most cases, they will do anything to keep you as their [...]
After you have gone through Trinity Credit’s restoration process, it is important to handle the credit that you have wisely.
Here are some simple tips to help you manage your credit wisely.
1) Keep your credit to debt ratio in check. If you spend more than 50% of your credit limit each month, this sends a red [...]
There is a lot of information out there about credit. Not all of it is true, here are some common credit myths:
1. When I pay off a past-due account, such as a charge-off or a collection account, it will show “paid” and will no longer negatively affect my credit report. (Unfortunately, paying off a [...]
Research conducted by US Public Information Research Group in Washington, D.C. finds that:
29% of credit reports contain serious errors, false delinquencies, or accounts that did not belong to the consumer.
41% of credit reports contain demographic information that was misspelled, outdated or incorrect.
20% of credit reports were missing major credit, loan, mortgage or other information to [...]
Most people think about their credit score when they are trying to get approved for credit. Maybe they are applying for a credit card or trying to get a home loan. A lower than average score is a red flag to lenders that you are more likely than to be late on your payments or [...]
In a study by the Fair Isaac Corporation, it was discovered that 49% of the people polled did not understand that credit scores measure their credit risk. Chances are you too may not know how your score affects your life.
Your credit score follows you everywhere. Your credit score determines:
For which types of credit cards you [...]
Your credit affects more than you think. Here are just a few aspects of your financial life that are affected by your credit:
Employment Opportunities:
Employers in today’s market investigate your dependability along with your track record of responsibility based off of your credit. Employers look to see how you manage your personal finances and see whether [...]
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Your credit score determines if you will get approved for credit and at what interest rates. In order to save money, it is important to try to improve or maintain your credit score. If you need credit restoration, please contact Trinity Credit Services of California at 805-527-3348 for your FREE Credit Report Evaluation.
Payment History Tips
Pay [...]
Fraud is an intentional deception made for personal gain or to damage another individual.
There are several types of credit fraud including:
Identity theft: the unauthorized use of personal identification information to commit fraud or other crimes
Identity assumption: long-term victimization of identification information
Fraud spree: unauthorized charges on existing accounts
Sources of fraud
Just as there are various types of [...]
You know the effects of bad credit. You have to rent instead of own. You have trouble getting approved for real estate mortgages and other financing. You sweat when the car dealership looks up your credit because you know you either won’t get approved or you will have to pay high interest rates. You have [...]
Credit Score Breakdown:
1. Payment History (35%)
2. Amounts Owed (30%)
3. Length of Credit History (15%)
4. New Credit (10%)
5. Types of Credit Used (10%)
Payment History – 35%
The lender wants to find out if (and how promptly) you pay your bills. The score is affected by how many accounts have been paid late, how many were sent [...]
Many consumers are under the impression that there is nothing that can be done to change the information on their credit report. Thankfully, this is not true. We demand the validation and verification of derogatory information using the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Transaction Act [...]
Most “credit repair” companies have a one-step system where they send out one form letter to each of the credit bureaus. You can do this yourself. The problem with this method is that there is only about a 10% chance anything will be removed. If an item does get removed, it will likely put put [...]
Trinity Credit Services of California has successfully helped more than 20,000 people just like you improve their credit score. On average, we are able to permanently remove 85% of negative items from your credit report. Most customers see an increase of 60-160 points in their credit score. (Your results may vary).
See more examples of our [...]
Trinity Credit Services of California works on your behalf to remove derogatory and unverifiable items from your credit reports. Our team is experienced in credit repair and restoration and they know how to deal with the credit bureaus and your individual creditors to get the results you need to increase your credit score.
We can remove [...]
Trinity Credit Services of California is the #1 credit restoration company in the U.S. for a reason–we have successfully helped more than 20,000 people restore their credit. Our work is guaranteed and permanent.
Our customers choose Trinity Credit Services for:
Custom-tailored credit repair service – Every person is different and so is your credit report.
Highest success rate [...]
We operate 100% legally and we are registered with the Secretary of State of Texas.
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We are a proud member of the McKinney Chamber of Commerce
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We operate 100% legally and we are registered with the Secretary of State of California.
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We operate and are governed by the FTC's guidelines and have a 100% money back guarantee written on our contract to protect the consumer.
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