Credit Training

5 Questions To Help Dig Yourself Out Of Horrible Debt

Are You Ready To Dig Yourself Out Of Debt?

You can get yourself out of Debt! There are strategies and systems that can get you out of Debt. There are proven methods that are easy to use – and used by professional Debt Counseling Companies!

Did you know that a majority of  non-profit Credit and Debt Counseling Companies have very cozy relationships with Creditors and Debt Collectors?

In fact, many Credit Counseling Companies get paid by the Creditors. Don’t you find that ironic? Who’s side are Credit Counseling Companies – whom get kick-backs from Creditors on; the Debtor or Creditor?  I personally believe these companies are middle-men, taking advantage of unsuspecting Consumers.

How you can  dig yourself out of Debt. Where do you start digging? A good place you can look is inside of yourself. You can start by asking yourself the following questions:

1. Why do you want to become Debt Free?
2. What is keeping you from getting out of Debt?
3. How will it feel once you are Debt free?
4. What financial tasks can you complete for yourself?
5. What things do you really need help with financially?

These are all good questions to ask yourself. For best results, you can write your answers down.

The ugly truth is, Debt is like a hole, that we  all get stuck in, at one time or another. Some of us make mistakes financially. Others take on financial risk’s that don’t provide the return on investment that we hoped for.  Debt is unique for each person. What matters is what you (individually) do about it.

2 Fast Ways To Pay Off Crushing Credit Card Debt

You Can Take Control Of Your Credit Card Debt

Wouldn’t You Love To Pay Off
Your Credit Card Debt Faster?

• How would you feel if you knew that you could pay off your credit card debt at least 2 times  faster?
• What would you say to yourself if you heard that you can pay off your credit card debt at least 2 times faster without increasing your monthly payments?

Would you feel a little skeptical? Probably so, but the truth is, you can pay off your credit card debt faster using only your current income! Today, to say, “Thanks for stopping by” I’ll tell you 2 proven ways to pay off to pay off your credit card debt at least 2 times faster.

Did you hear about the study by  TransUnion, one of the big three Credit Reporting Agencies ? Transunion released a study that revealed that, when given a choice American Consumers are paying Credit Card Debt before their Mortgage.

The frightening fact is people feel forced to choose between paying only their credit card debt or their mortgage.  I’m sure if you’re in  deep debt due to credit cards and your mortgage, you’d love to be able to pay both.

It’s easy to see the double-edged sword of credit card debt. On one side, a credit card can keep starvation from threatening your family. While, on the other side…there is a debt to repay for borrowing money on credit.

2 Ways To Pay Off Credit Card Debt Faster

Are you ready to learn 2 practical and proven tips to pay off your credit card at least 2 times debt faster?

• Increase your current minimum payment by $5 every month: The Center for Responsible Lending did some math and found that for every dollar paid, to a credit card above the minimum, saves credit card holders $2 in interest payments. Picture this a a two for one special.

• Keep your “above the minimum” payments consistent. Have you ever saw anyone start a diet, do really well for a month or two and then stop? What happens to those people? Normally these dieter’s gain all their weight back, plus more. The is true Credit Card Payments. If you stick with making an extra payment – every month, you will pay off your Credit Card Debt much faster.

How Would You Like To Pay Off Your Credit Card Debt 3 to 5 times faster?

Did you know that you can actually pay off your Credit Card Debt 3 to 5 times faster? The tips above will help you pay off your debt only 2 times faster. But there are proven ways to pay off your Credit Card Debt much, much faster.

The Credit Card Debt Medic video course shows you step-by-step how to pay off your debt much faster. Credit Card Companies really don’t want you to know what’s in the Credit Card Debt Medic Video Course.

Want to see a video that explains the Credit Card Debt Medic Video Course? Click Here

Does Paying Off Credit Card Debt Make You A Deadbeat?

Dorothy called me and she furious because her Credit Card Account had been closed.

The account was closed because she hadn’t used it in over six months.  Dorothy was planning to use her credit card as she had always done before.

Dorothy would charge for the Holidays and pay the past due off at tax time.  She had done this for years with no problems.?

One day, Dorothy got a letter in the mail saying that “due to inactivity, her credit card account would be permanently closed”.

She was understandably in shock.  “How could they?” she asked.  “I’ve always been a good customer to them”.  Dorothy was unaware that Credit Card Management is counter-intuitive…What’s worse, because she was responsible and paid her bill off every month she was considered a “credit card deadbeat” by her credit card company. It’s a shame but it’s true.

The fact is, millions have been mislead about Credit Cards. So please don’t feel stupid if you’ve been thinking you’re doing the right things with your Cards but have had your account closed or refused additional credit.

Customers who pay on-time every month do not generate any money for the Credit Card Companies. Customers who are late paying are considered “Good Customers”….Those Customers who pay on-time are considered “Dead-Beats”.

I realize that this seems like a no-win situation…pay on time get punished…or pay late and get punished. But there is a third way. To avoid having your account closed due to inactivity, try using your card at least once every month for an expense around $10 to $20 every month. Then pay the balance off every month. This will keep some recent activity on your account and you’ll stand a better chance of keeping the account open.

Remember, credit card companies don’t offer credit hoping consumers do the right thing. In my opinion and experience, Credit card companies want you to use as much credit as possible…because the more credit you use the more money they can expect in return.

What do you think? Should people who pay their credit bills on time be punished? Leave a comment and tell me what you think.

Credit Cards: What’s Really In Your Wallet?

Credit Cards Are Not Created Equal!

Take a look at your Credit Cards.  Who issued the cards to you?

There are ”Major Credit Cards”; American Express, Discover, Master Card and Visa.  These cards are known as Prime Credit Cards.  If your cards were issued by your bank, your favorite store, or the Credit Union you belong to, then it is considered a Secondary Credit Card.

American Express [AMEX] offers a decent range of great Credit Cards and world-class service.  AMEX, is a Primary Card. Capital One is considered a Secondary Credit Card.  What?  I know, Capital One has the appearance of a Primary Credit Card.  But if you look at the logo on a Capital One Card, you’ll see Visa or Master Card logo.  Capital One is the middle man or woman between you and your real lender [Visa and or Master Card].

Primary Credit Cards are only offered to people with a Credit Score of 700 or more [on a scale of 350-850] and Secondary Cards are offered to people with a Credit Score of 600 or more.

Because of this, Secondary Credit Cards usually have higher interest rates, fees and penalties.  With AMEX [Primary] you can miss one payment, in any 12 month period and not be imprisoned in the Default Dungeon.  With Capital One [Secondary] if you miss one payment, you’re going to spend at least six months in Default.  Call your Credit Card Company to find out the terms and conditions of your card that will trigger default.

So, as you can see, Credit Cards are not created equal.  Primary Cards offer much better, service, terms and conditions  than Secondary Credit Cards.

Credit/Debt Help Is In Your Hands

Do Yourself a Favor?

Save time, money and stress by placing debt management into your own hands…Please?

Today, I spoke with a woman who knew everything that she needed to know to improve her debt situation.  She could have done everything I did for her by herself,  But she paid me just under $1,000 to handle her debt situation!  I improved her situation in under one hour.

Don’t get me wrong, I appreciate her business, but she could have saved herself $1,000 by taking her debt situation into her own hands.  Instead she paid me to do it for her.

Tip #1 To Help You Take Your Debt Into Your Own Hands

Check your Government sponsored credit report:

You can get a free credit report every 12 months from the big three credit bureaus; Eqifax, Experian and TransUnion.  Your free Annual Credit Report is available at Annual Credit Report . com .  Once you get your 3 free credit reports, keep the original copies and don’t write on them.  Feel free to take notes on the copies and make more copies of the originals as you need to.