True Realtors And Mortgage Brokers Understand

Now that I have been doing credit repair for about four years, going on five I have learned some things. The first thing that I have learned is that the best customer to work with is one who has been referred by a loan officer or realtor. Why? Because in all honesty they have a very real reason to get their credit fixed, they want to have the all American dream of home ownership.

Now in spite of the fact that realtors and loan officers refer people to me, not everyone will see the urgency or the need in getting their credit fixed, so I would say five out of ten will enroll and three out of the five will finish the program and buy their home. So that is not too bad.

What I have also learned is that true busy realtors and loan officers will always have credit challenged clients. Now there are some realtors out there that say they only deal with A paper clients, which is cool, but if they are really busy and have a lot of business they will still run into credit challenged clients. Now the question is what do they do with their credit challenged clients, do they tell them they need to fix their credit and come back and see them, or do they have a credit repair person they can refer them too who will help them fix it.

I spoke to a very cocky loan officer one day and told me truthfully, he said if their credit is bad I tell them what to do to fix it and come back and see me when they do, because I do not have the time to work with them. Now my first though wow this dude is arrogant but then I said too him, how much business are you losing out on?

He said I have more than enough business do not need to worry about credit challenged clients and hung up on me. I thought to myself, wow. Now what this loan officer failed to realize is the potential he missed out. Realtors and loan officers that understand the big picture those who don’t won’t.

Imagine if you will. that you are a realtor and you get five to six people a month you can not get pre-approved for credit. Well if you send them to a qualified credit repair specialist who helps them fix their credit, and they come back to you and buy their home, and you do that once a month, that is 12 more clients you did not have.

However take it further, to that client that everyone else told them no, you got them the help they need. Now you become a hero to them and they are going to tell all their family and friends about the great realtor or loan officer who helped them get their new home and never gave up on them.

At the end of the day my goal is to help those credit challenged clients who want a new home to get one, and it may take some time but at the end of the day when they walk through that new home, they will not remember how long it took, they will only remember the joy that came with living the American dream.

If you are a realtor, loan officer or person who needs credit repair to make your dream come true, link up with me and let’s turn those credit challenged clients around where they are future home owners. At the end of the day, this person has already been told no many times, let’s tell them yes. If you do not have a credit repair specialist that you work with, reach out to me and let’s build that relationship and network.

God Can Use YOU Right Where You Are

One day as I was sitting at work, I had the opportunity to talk to one of my clients, that I respect a lot. This man is an elder in my church and he is very knowledgeable about the Word, and he was telling me about a young brother who had come into a lot of money. Now the reason he brought him up to me was because he wanted me to talk to the young man and help him protect his assets.

Now as I sat back and thought about it after we hung up the phone, God spoke to me in a silent voice and said, I will put you before men who have businesses in place and people who will have businesses so you can help them and guide them. I took that in and he went further, and stated that he would give me contacts and resources to help those on the way up and those already in place.

After that I started thinking about the people that I put my elder in touch with to help him in his business, and how some of the same people I can put this young man in touch with to help him grow his business down the road. It is all about the Kingdom. God can use YOU just like he is using me to be a blessing to people, so hopefully they can avoid some of the bad situations that many people encounter with their credit and their businesses.

Do not despise where you are working at, or take what you do lightly. God placed you in that job so you can be a blessing to others. I also might add that through that job you are working God has people that you are going to encounter who are going to be blessings to you.  Treat your job as a ministry, do not worry about the profit and loss statement so much as knowing God will supply your need and work as if you were working for Jesus and see how your business grows and prospers!

Find another way!

As a father and husband one of the first things I realized is that it is my responsibility to make sure that income comes in the home. Even with me working and working 40 hours a week I did not make as much as I wanted too. Because of family issues working a part time job was not an option, so I decided I needed to make income from home. I did several different types of programs, from freelance writing, writing reviews of music, doing odd jobs through Craigslist. Then I came across a program that seemed to good to be true. It was called Email Processing. A lot of people think it is a scam and it’s not.

What you do is post ads and respond to people as they request info. That is it plain and simple. People pay 35.00 to enroll in the program and twenty five goes to become a member and ten dollars goes to building a professional website, just like this one. http://blessedandprosperous.weebly.com Now the key is that this same program gives people wisdom and knowledge on marketing, ad copy and insights. You are taught a lot of information, it is up to you whether you utilize it or not.

For every person that signs up you make $25.00 right into your paypal account. You do the math, it is up to you how many people that respond because it depends on how much ad posting you do. However if you are looking for a way to make extra income from home, you need to take a look at this program. If you have any questions please feel free to ask me and yes it does work.

http://blessedandprosperous.weebly.com

Real Credit Repair Talk

As a credit repair specialist, recently in the last week I have had a couple of people question whether or not me and my company are legit or a scam. Now one of the people who asked this question came to me as a referral from a mortgage banker who tried to get them approved for a home, but could not because their scores were too low. The second person connected with me on Facebook and told me they needed help getting their credit fixed because they wanted to buy a home within a year and they know their scores are too low.

Now with the first person I simply reminded them that in all actuality they came to me, I never went to them. Not only that but their loan officer referred them to me and the reason they referred them was because I had success helping other clients of her’s get their credit fixed and into a home within a 4-8 month time period. That person still did not believe me, but his wife did and needless to say they enrolled in the program.

The other person told me that since they did not know me other then Facebook and because we deal with information that is confidential how could they trust me with their information. Now this is when it became real talk with the person and I told them something they did not want to hear, but it was the truth. I told them that if I were going to scam some-one why would I scam some-one with bad credit? How in the world is that going to help me? The sad truth as I explained to them was that, that was really an excuse. They came to me, they contacted me and they wanted me to help them with their credit. How in the world is that a scam? Sad to say they never enrolled, but at the end of the day it has to be important to you in order to get your credit fixed. Otherwise it will never be fixed. In dealing with credit repair you want a person who is going to be honest and direct and tell you the truth about your situation, otherwise why let them help you? Me and my team look forward to helping those who are motivated to get help.

http://www.anglefinancialservices.com/staff-profiles/greg-spielman

Godly Men Are Needed Now More Then Ever

As a young man growing up, sometimes I did not understand the importance or impact that I had as a man. As I grew older and wiser I have learned that right now the world needs men to take their rightful place. There are a lot of young men out there who feel as if their lives do not matter of feel as if they are not important, when in reality Godly men are needed now more then ever. Why? Take a look at the world that we live in and maybe you can understand.

So what does a godly man do, what separates a godly man from any other man out there? Well first and foremost he understands the role that he has on his family. If he is married and has children he understands that his wife is looking for him to be the head of the household and his children are looking up to him as a role model. Now it does not matter whether it is a son or daughter because they will learn to take their cue from dad.

Another impact is that the man will understand that his family is a gift from God. Yes your children may drive you crazy sometimes and your wife may send you over the edge sometimes, but at the end of the day God gave you your family because he trusted and believed that you would be the best one to be in that family and he is trusting you with his family. Let me say that again, God is trusting you with his family…..

Now if you are not married but you still have children, be in your children’s lives. Do not think that your requirement starts and ends with your child support payment. Your children need their father to be active in their lives. It does not matter whether it’s a son or daughter. They both need you equally.

For example a son is going to learn how to be a man from his father, if dad is a hard working man he will pick up on that, or does dad hang out with the fellas all the time. However your daughter is going to build her foundation of what a good man is based on how dad treats her. However when dad is not in their lives, then that can affect their self esteem in a negative way as well.

The most important thing a godly man does is twofold, he stays in his Word, which is the Bible and he prays constantly because most men including myself make mistakes and we don’t know it all, but we trust God to equip us and teach us how to be husbands and fathers both.   

Who can see my credit reports?

Credit and credit reports are very important and many people know that they can be very damaging if a person has bad credit. The reason that fixing your credit and repairing your credit is so important is because you really don’t know how many people can access your credit reports. For example people do understand that if you are applying for credit or buying a home, we know credit will be pulled, but who else can see your credit reports? Well knowledge is key so let’s take a look.

Lets start with you, now you can certainly look at your credit reports. It is highly recommended that you pull a free credit report once a year to make sure that all the information on there is accurate, there have been numerous accounts of things being wrong on people’s credit reports. If you do not check your credit, you yourself will never know.

Second, in certain situations potential employers and current employers  can pull and look at your credit reports and in some cases it could make the difference in a person getting hired, promoted, transferred, or even kept if they already have the job. Now they would have to get a person permission and have a good reason, like the company handling money.

Third, an insurance company can pull your credit reports.Why? Well the main reason is that they have learned that people with great credit tend to file less claims then those with poor credit. So as you can imagine, if they think that you are a high credit risk, they may have you pay higher rates then those with excellent credit.

Did you know that child support agencies can pull your credit report? Yes they certainly can and not only can they pull your credit report they also report to credit reporting agencies, so if you are behind on child support it can certainly wind up on your credit reports.

Now your credit reports can also be pulled when a court or grand jury orders it, or when you apply for certain state benefits or licenses where they have to review your financial history. All in all we know that when we apply for credit they are going to pull it, but as you can see there are more instances that people think. If you have credit challenges and want to get your credit cleaned up please contact me at greg@yourcreditup.com or 302-735-7526

What is a good credit score exactly?

Most people understand and know, that in order to buy their dream home or get the car that they want they need to get approved for credit. What that means is that you can get approved for those items with a fair score, but in order to get the best rates possible, you need to have good to great credit scores. What is surprising is that most people do not know what good credit credit scores are and in some cases think that they have good scores when they don’t. So as a former loan officer let’s look at credit scores and ranges.

Now when a person is applying for a major purchase like a new home, what they have to understand is that mortgage loan officers and mortgage bankers will pull your credit to see if you qualify. They will pull your scores from TransUnion, Equifax and Experian. Then after they pull your three scores they will give you a mid score, and that score will determine in most cases whether you will be approved or declined. Credit scores can range from 300-850, which is a huge range.

Now let’s do a breakdown of the ranges. 760-850 is considered great credit, which means you can basically buy anything you want. Enjoy the perks that come with it, you earned it.

680-760 is considered good credit. You will be able to buy things with good interest rates and should get approved very easily for what ever major purchase you are looking at, not the rates as good as excellent scores but still very good.

620-680-Tightening up now, you are considered having fair credit or average credit. For a home, you need to be at least a 620 but you will not get the best rates and is not a slam dunk by any means to get approved.

Below 620….Considered poor or bad credit. Sometimes in rare cases a mortgage lender might be able to work with some-one in the 580 range but it will be a special program and your interest rate will be very high. Now the downside is the higher the interest rate the higher the payment, the lower the interest rate the lower the payment.

So the next big question is, what is your credit scores? If you are not sure you should pull your credit scores and see. Most people have an idea of what their credit is, but in some cases people believe that scores in the 500’s are not that bad. That is simply not true, you need to be in the 600’s to get honest consideration. Now if you have credit challenges you have some options, you can pretend it does not exist and hope it goes away. You can try to clean up your credit yourself, or you can hire a professional to help repair your credit. It’s entirely up to you. If you know that you need to get your credit repaired, then please feel free to visit http://www.yourcreditup.biz/gspielman and get yourself set up for a free consultation. At the end of the day, your credit is too important to take lightly.    

Taking care of those who take care of us!

As a former police officer, I can certainly understand doing a job that sometimes seems like no-one really appreciates. I have been called every name in the book, been threatened, spit on, fought with and everything else you can think about. The funny thing is that being a police officer was one of the coolest jobs I have ever had, just like a firefighter will tell you. It’s something about knowing that what you do makes a difference.

Now I have changed careers and help people fix their credit issues and challenges so that they are able to purchase a home down the road, or buy a car at a lower interest rate, and that also is very rewarding especially when you help some-one who has been told no, that down the road they can be told yes. Now the one thing I love about my company Angle Financial Services is that they recognize people who put it on the line every day for their community. Now you may be wondering who we are talking about, so let me give you some examples. Firefighters, Police officers, Paramedics, and Military Veterans. All these people every single day wake up knowing that they may be called to do something where they may not come home at the end of their shift.

Sad to say that a lot of these men and women who work these jobs are not paid extremely well and they also run into credit issues just like every-one else. However they still have a dream of owning their own home and we want to help them achieve their dreams as well. Because of that fact when we help people in these respective fields we have a discount that we offer to them because they take care of us, so we want to take care of them. If you know some-one who works in these fields and you know they have credit challenges please feel free to message me or have them go to my page at http://yourcreditup.biz/gspielman for a free consultation. I personally salute all the men and women who put their lives on the line every day so I can rest easy every night.

I Need To Fix My Credit

So you want to buy a new home? Maybe not a home, but maybe a car. You might even be thinking about getting some life insurance and you find out that your premiums are going to be higher then you thought. Credit can affect all of these areas and it can even impact you moving forward and getting a high paying job. Now does the fact that bad credit mean you are a bad person? No not at all. Good people have bad credit, life happens. People get laid off, have medical issues come up and life circumstances change and unforeseen things happen. Now if you do have bad credit and you are looking to do some of the things we talked about above, the one thing that is true is that you need to fix your credit. Say it together with me. “I need to fix my credit.”

Now contrary to popular belief a person can fix their own credit, but one thing that they have to take into account is that is a hurry up and wait type of process, and it does take work. Now if you are like me, you may have a family, a job and other outside responsibility that take up a lot of time and energy. Just understand that if you elect to fix your credit you have to budget time for that as well. Now some people choose to let a professional credit repair company do the work for them. Sometimes that is a better decision then a person doing it themselves, unless they are very disciplined and diligent.

So while we are talking about credit repair companies, let’s take a look at some of the comments that people have said about them. “Credit repair companies don’t do anything I can’t do.” Now that is true to a point, yes you can do it and you may have to learn what to do, but most reputable companies like Angle Financial Services has a whole team that can work on your credit and they have years of experience of clearing people’s credit just like yours.

“Credit repair companies are too expensive.” Well the cost of a good and reputable credit repair company can vary with some charging almost $1000 for set up and analysis fees and $500 a month. Some of course are much cheaper but they are much cheaper because they only work on some many trade lines at a time and they may not work on all three credit bureaus at the same time. You might want to find one that is right in the middle, maybe $300-$400 set up and analysis fee and $100 to $200 a month, because at the end of the day, it is still going to be cheaper then what you are paying on high rate interest car payments, rent and credit cards.

“Credit repair takes too long” Again it depends on whether a person has a realistic expectation. One thing is for sure and certain most people do not go from good credit to bad credit overnight so you can certainly not expect to go from bad credit to good credit overnight. In most cases the average time frame is usually 4 months to a year depending on what a person may have on their credit. Sometimes it can be shorter and sometimes it can be longer but that is a fair average.

“Credit repair does not work.” Absolutely not true. Now does it work the same for everyone? No, but if you have a good team working on your file they should be able to clear up some of the negative items on your report. Now a good company should not guarantee you what they can improve because every case is different but a good company will give you the average that they normally see for their clients.

In closing if you have credit challenges and you need to fix them, either fix it yourself or talk to a professional, because at the end of the day, if credit repair did not work, why would so many loan officers, mortgage bankers and Realtors partner with credit repair specialists. If you have credit repair challenges and would like a free consultation please feel free to visit my website below.

Be blessed and enjoy the benefits of having a strong credit rating. 

http://yourcreditup.biz/gspielman

 

   

  

Credit Is More Important Then I Thought

A lot of people do not believe that bad credit effects them unless they are looking to buy something. However what most people do not realize is that it effect a lot of things besides just buying power. For example yes, it limits you as to what you can buy in a lot of cases but also to go along with that if you are looking to make a major purchase you will pay more. For example if your credit is very low and you need to buy a car, the interest rate they are going to hammer you with is going to be very high and cost you more then if you would have repaired your credit. Yes repairing your credit can cost you some money but in the long run it saves you money. You work too hard not to be able to save some of your money and when you have to pay high rates on credit cards, car payments, mortgages and payday loans it’s very hard to save anything .

If you are dealing with bad credit do not feel alone, there is tons of people dealing with bad credit. If you are below 700 there is always room for improvement. If you are thinking of getting a home in the next year or getting a car then you want to get your credit right before then. If you need someone to give you a plan to help you on the path of repairing your credit please feel free to visit my website at www.YourCreditUp.biz/GSpielman and let me see if I can help you.

Bad credit limits a person buying power, it also can prevent you from getting a job. Think about it a lot of businesses request credit checks before they hire people. The reason makes sense in a real way. If you are working at a job where money is transacted they want to make sure that you are not going to be some-one they can not trust with their funds. It’s all about business, not saying that it’s fair but it is real. If your financial picture is not right are they going to trust you with theirs?

Sad to say, even life insurance companies sometimes pull credit reports. Yes credit is important when it comes to buying power but a lot of people think that bad credit is the norm. Do not let your credit hold you back, get the help that you need. The truth of the matter is that people usually do not get credit repair done, because they feel that it cost more then what it is worth, but in all reality not fixing your credit will cost you far more. Do not let pride or embarrassment stop you from getting a free consultation, and let the professionals help you on your credit restoration.

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