Credit Where Credit is Over Due
1.
) For Debt Consolidation For Debt Consolidation: cambridgecredit.
org 2.
) For Medical Debt...
Medical Debt: healthcareadvocates.
com 3.
) Find Out What Your Credit Limit Is...
ONLY use 35% of your credit limit.
Don't exceed this amount.
4.
) Make Sure Your Limit Didn't Get Limited...
If you had your credit limit cut down due to the recent economic conditions make sure this does not put you over 35% Ie: You used $300 on a credit card with an $1,000 limit.
They cut your available credit to $500.
Now you are over 35%.
This will affect your score 5.
) Always Pay More Than The Minimum Payment 6.
) Pay On Time Every Time, No Excuses! 7.
) When Paying Off Credit Cards...
Start off with the one you owe the least amount of money on.
8.
) Use ALL of Your Credit Cards EVERY Month...
For something small, then pay more than the minimum when you receive your statement.
Credit Card Activity Is A Must! 9.
) Everything is Negotiable! Call Them And Demand More! Start by saying you want to make a large purchase {this will make them salivate over the amount of interest you will be paying them on that purchase...
never make that large purchase, lol} Tell them you have extra income coming in from a business you have.
Be friendly but very firm.
Don't be afraid of rejection.
This is something we will not avoid in this life.
So have fun with it.
Ask what your annual fee is, sound disappointed and ask for it to be waived.
Ask for your interest rate, sound disappointed then ask them "What is the best you can do for me today?" Ask for your credit limit.
Sound disappointed, ask them "What is the best you can do for me?" Ask for an increase 3 times the limit you have.
The worst they can do is say no, but demand something, "So you can feel better about all of this.
" Really Cool Tip: If you want them to waive a late fee, ask them to waive your annual fee, increase your credit limit, and lower your interest rate...
oh and by the way, "Can You waive that fee?" By the time they are done, waiving the fee will look like nothing compared to everything else you asked for.
10.
) Delegate! Since we are artists let's face it, the last thing on our minds should be handling debt.
Let someone who is used to and enjoys handling it do it for you.
One of my favorite services for paying off large amounts of debt, and improving your credit score is Financial Destination, Inc.
Debt Got You Down? Nonsense! Think of yourself as a company.
Say you are valued (worth) $2,000.
$5,000 of debt isn't looking so good is it? Would you buy stock in you? Not to sell you short, but say you are valuated at 5 million.
Or even 1 million, $5,000 is hardly a blemish.
Am I clear? Stop thinking of yourself as flesh and blood and start thinking of yourself as an entity.
In the finances department that is.
You can save all that flesh and soul stuff for the bedroom where it matters.
If you want to work towards paying debt off, what worked for me was taking 10% of every dollar you make from this day forward and using it to pay off debt.
Consider this your Long Term Savings Jar.
Remember, what you focus on expands so instead of focusing on your debt and playing the victim, focus on your brand spanking new money management habits! P.
S.
If you are thinking "There is no way they are going to give me any perks in this economy" maybe you can buy that, but I am certainly not.
I did this yesterday with my credit card company.
So stop making excuses and take responsibility for your own life.
I love you, but seriously...
) For Debt Consolidation For Debt Consolidation: cambridgecredit.
org 2.
) For Medical Debt...
Medical Debt: healthcareadvocates.
com 3.
) Find Out What Your Credit Limit Is...
ONLY use 35% of your credit limit.
Don't exceed this amount.
4.
) Make Sure Your Limit Didn't Get Limited...
If you had your credit limit cut down due to the recent economic conditions make sure this does not put you over 35% Ie: You used $300 on a credit card with an $1,000 limit.
They cut your available credit to $500.
Now you are over 35%.
This will affect your score 5.
) Always Pay More Than The Minimum Payment 6.
) Pay On Time Every Time, No Excuses! 7.
) When Paying Off Credit Cards...
Start off with the one you owe the least amount of money on.
8.
) Use ALL of Your Credit Cards EVERY Month...
For something small, then pay more than the minimum when you receive your statement.
Credit Card Activity Is A Must! 9.
) Everything is Negotiable! Call Them And Demand More! Start by saying you want to make a large purchase {this will make them salivate over the amount of interest you will be paying them on that purchase...
never make that large purchase, lol} Tell them you have extra income coming in from a business you have.
Be friendly but very firm.
Don't be afraid of rejection.
This is something we will not avoid in this life.
So have fun with it.
Ask what your annual fee is, sound disappointed and ask for it to be waived.
Ask for your interest rate, sound disappointed then ask them "What is the best you can do for me today?" Ask for your credit limit.
Sound disappointed, ask them "What is the best you can do for me?" Ask for an increase 3 times the limit you have.
The worst they can do is say no, but demand something, "So you can feel better about all of this.
" Really Cool Tip: If you want them to waive a late fee, ask them to waive your annual fee, increase your credit limit, and lower your interest rate...
oh and by the way, "Can You waive that fee?" By the time they are done, waiving the fee will look like nothing compared to everything else you asked for.
10.
) Delegate! Since we are artists let's face it, the last thing on our minds should be handling debt.
Let someone who is used to and enjoys handling it do it for you.
One of my favorite services for paying off large amounts of debt, and improving your credit score is Financial Destination, Inc.
Debt Got You Down? Nonsense! Think of yourself as a company.
Say you are valued (worth) $2,000.
$5,000 of debt isn't looking so good is it? Would you buy stock in you? Not to sell you short, but say you are valuated at 5 million.
Or even 1 million, $5,000 is hardly a blemish.
Am I clear? Stop thinking of yourself as flesh and blood and start thinking of yourself as an entity.
In the finances department that is.
You can save all that flesh and soul stuff for the bedroom where it matters.
If you want to work towards paying debt off, what worked for me was taking 10% of every dollar you make from this day forward and using it to pay off debt.
Consider this your Long Term Savings Jar.
Remember, what you focus on expands so instead of focusing on your debt and playing the victim, focus on your brand spanking new money management habits! P.
S.
If you are thinking "There is no way they are going to give me any perks in this economy" maybe you can buy that, but I am certainly not.
I did this yesterday with my credit card company.
So stop making excuses and take responsibility for your own life.
I love you, but seriously...
Source...