James B Driscoll

101 Powerful Tips for Legally Improving Your Credit Score James B Driscoll

Publisher Marketing: Introduction There are many misconceptions about credit scores out there. There are customers who believe that they don't have a credit score and many customers who think that their credit scores just don't really matter. These sorts of misconceptions can hurt your chances at some jobs, at good interest rates, and even your chances of getting some apartments. The truth is, of you have a bank account and bills, then you have a credit score, and your credit score matters more than you might think. Your credit score may be called many things, including a credit risk rating, a FICO score, a credit rating, a FICO rating, or a credit risk score. All these terms refer to the same thing: the three-digit number that lets lenders get an idea of how likely you are to repay your bills. Every time you apply for credit, apply for a job that requires you to handle money, or even apply for some more exclusive types of apartment living, your credit score is checked. In fact, your credit score can be checked by anyone with a legitimate business need to do so. Your credit score is based on your past financial responsibilities and past payments and credit, and it provides potential lenders with a quick snapshot of your current financial state and past repayment habits. In other words, your credit score lets lenders know quickly how much of a credit risk you are. Based on this credit score, lenders decide whether to trust you financially - and give you better rates when you apply for a loan. Apartment managers can use your credit score to decide whether you can be trusted to pay your rent on time. Employers can use your credit score to decide whether you can be trusted in a high-responsibility job that requires you to handle money. The problem with credit scores is that there is quite a bit of misinformation circulated about, especially through some less than scrupulous companies who claim they can help you with your credit report and credit score - for a cost, of course. From advertisements and suspect claims, customers sometimes come away with the idea that in order to boost their credit score, they have to pay money to a company or leave credit repair in the hands of so-called "experts." Nothing could be further from the truth. It is perfectly possible to pay down debts and boost your credit on your own, with no expensive help whatsoever. In fact, the following 101 tips can get you well on your way to boosting your credit score and saving you money. By the end of this ebook, you will be able to: Define a credit score, a credit report, and other key financial terms Develop a personalized credit repair plan that addresses your unique financial situation Find the resources and people who can help you repair your credit score Repair your credit effectively using the very techniques used by credit repair experts Plus, unlike many other books on the subject, this ebook will show you how to deal with your everyday life while repairing your credit. Your credit repair does not happen in a vacuum. This book will teach you the powerful strategies you need to build the financial habits that will help you to a keep a high credit risk rating. It really is that simple. Start reading and be prepared to start taking small but powerful steps that can have a dramatic impact on your financial life! Contributor Bio:  Driscoll, James B James B. Driscoll, CEP, LUTCF, is President of Senior Services as well and is a well-known financial and estate planning educator & lecturer in North East Ohio and Western Pennsylvania. James had started in the business in 1984 with Metropolitan Insurance Company, then got into management with John Hancock Life Insurance Company in 1987. He began his own practice in 1991 and has been assisting investors for over 27 years. He has expanded his practice to include advanced tax consulting, tax preparers and CPA's on retainer. Mr. Driscoll is author of two books "Financial Security for Mature Americans" how to avoid outliving your money, and his latest book "A Guide to Personal Finance and Estate Planning." Specializing with seniors since he began his own practice in 1991 he has handled planning situations that are unique to the Baby Boomers and the Seniors. He has advised over 800 retirees and pre-retires with their Tax, Financial, Medicaid, and Estate planning strategies. Jim specializes in tax and retirement planning with IRA's, Roth IRA's, 401k's, 403b's, non-qualified and qualified planning. Mr. Driscoll is a Certified Estate Planner, Tax Consultant, Paralegal, & Notary Public for the state of Ohio. His practice focuses on helping you earn & keep more of your money protecting it from income taxes, social security taxation, getting tax-free income, nursing homes, and passing it more effectively to your heirs. He has written numerous articles on Tax and Estate Planning for many publications and does free seminars for church and senior groups. Personal Finance, Estate Planning and Tax Planning are not simple concepts and are constantly changing along with tax laws. Jim's goal is to turn these complex concepts into simple-to-understand strategies for retirees and pre-retirees. These strategies mold one of the most important aspects of our lives...our FUTURE.