Many Houstonians are beginning plans for 2011. Many financial plans include using credit.
Smart is the New Rich
In today’s economy most people need to be smart about their purchases.
Taking the First Step
The first step is to make sure your credit score is in great shape. Higher credit score = Best interest rate. You may begin by ordering a free credit report from https://www.annualcreditreport.com/cra/index.jsp
Evaluate Your Credit Report
Take a look at the data on your credit report. Make sure all data on the credit report looks familiar.
Are You a Victim Of Identity Theft?
If any item on your credit report looks suspicious, including a different name, address, social security number, date of birth or an account you are not familiar with, you may be a victim of identity theft. In the event you have been a victim if identity theft, you must put a hawk alert on your credit report. You can do this yourself by contacting the credit bureaus.
What is a Hawk Alert?
A hawk alert will inform the credit bureaus to contact you by phone prior to issuing credit.
Determining Your Goals for 2011
The next step is determine your goals for 2011. You may want to purchase a home and take advantage of the low interest rates. Your goals may include obtaining a business loan, or purchasing a new vehicle.
Will You Be Using Cash or Credit to Achieve Your Goals?
Once you have set your 2011 goals, you must decide if you are going to pay cash or use credit. If you are using credit, you must find out what credit score is needed to qualify.
This can be a task, since most companies will tell you to fill out an application to see if you are approved.
If You Need Help, Give Us A Call
If you are considering purchasing a home, vehicle or qualifying for a business loan, feel free to contact your local credit report repair company, Impeccable Credit Services at 281-298-6811. Impeccable Credit Services is a credit report repair company that has the ability to help with identity theft, planning the purchase of a new home, vehicle or preparing the credit to qualify for a business loan.