Steps to Optimize Your Credit Scores
If you are sending me credit reports, please mail them to: WCS Po Box 1658 Richmond, KY 40476
If you are here for payment, I now have that on PAYMENT page. Just click PAYMENT.
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FREE CREDIT REPORTS…this will take you to the annualcreditreport.com website, where you are entitled to free credit report every year. You do NOT have to purchase scores.
FREE FICO SCORE….use the Experian App to get the only true FICO free score on the net, you do not need to give any credit card info.
Credit Strong….great program to add credit to your report with an affordable payment and savings program has business credit options available as well. Only for those needing new credit lines. Scroll down page past secured cards after you’ve click the link and you will see CreditStrong.
Kikoff....a new program that appears to work well to help build credit. I’ve had several confirmations from clients, that this has worked. I don’t list new projects just to list them. This one seems to work well. Once you’ve click on link, scroll down to bottom of page to see KIKOFF.
KOVO Credit Builder…..another great new program to build credit. Check out perks carefully. After you’ve click link scroll about halfway down the page and you will see KOVO.
SECURED Credit Card….secured credit cards, add RENT to credit, business credit option and other credit building instruments. Scroll down entire page for options.
Capital One Platinum Rebuild Card….one of best cards to rebuild credit that has no annual fee. Apply only if recommended by Greg. Call if questions.
Discover Card…one of best primary cards that I recommend, but need to be around 620 or higher for decent approval. Call if questions.
OptOutPreScreen…..do this 5 year electronic optout to remove yourself from junk mailings. Back in the day, supposedly helped raise scores. Regardless, can’t hurt.
Lexis Nexis...anyone looking to buy property needs to get this report. If been sued, judgments do not appear on standard credit reports anymore. This report will show you those as well.
Win In Court…best course I ever took. Learn to defend yourself in court, without an attorney. Simple 8th grade level stuff. Best $250 I’ve ever spent on education. With how aggressive bill collectors are getting and our litigation society in general, this may be a necessary skill to learn.
Do Not Call Registry can help lower all the unwanted “sales” calls you are getting. Does not really help with credit,but have noticed 10 fold increase with calls from lending companies, as there is all time high credit card debt. Also, once registered, report repeat offenders to the FTC.
Great real life example of how important having very little credit card debt is. I know many “experts” out there tell you to stay at 30% or less utilization on your cards. I have long said, even that is too high. Below is a two month comparison of a real person’s credit scores when they went from 23% utilization to 1% utilization in ONE month. You will be shocked.
A 56 point increase! Now of course having a long credit history helps with scoring, but my point is this. Anything above a 10% credit card utilization hurts your score, and any extra cash you can make to pay down cards and debt is vital to your credit journey.
Now, I had hesitated on whether to add this last section to this website, cause did not want to mix businesses together. However, it would be malpractice of me not to offer more solutions to help some of you to pay down credit card debt. This is not for everyone, but if you spend at least 30 minutes a day either watching TV or scrolling tik tok, instagram, facebook or whatever, then you need to look at other things to be doing with your time. Replace that time you are letting big corporations and influencers make money, and instead use that time to make you money. If already have a side hustle business, some of these tools can help with that as well.
I am not a financial advisor, want that to be very clear. However, I do have alot of experience in online marketing, sales, trading, macro economics, precious metals and even crypto.
I have listed some programs that can work together to achieve your goals of paying down debt without you having to fork over any cash. Of course if you do have a little seed money to start, it will expedite the process. ONLY thing absolutely NEEDED, is about 30 minutes of your time daily. Consistency is key to success.
Click HERE to start