Monopoly and the Credit Score Game

Posted on February 15, 2012 by Steven Greenwald

Monopoly and the Credit Score Game

“The 80/20 principle – that 80 percent of result flow
from just 20 per cent of the causes – is the one
true principle of highly effective people.”
— Richard Koch: is a former management consultant,
entrepreneur, and writer

Have you ever noticed when playing Monopoly there always seems to be a moment in the game where there’s a financial tipping point in the direction of the eventual champion of the Monopoly World? The same is true with the credit score game.

Once this tipping point occurs usually things become very easy and lucrative for this particular player… they now control the majority of the assets and cash and gain mostly unstoppable power over the other players and the economy of the game.

This is where we see the 80-20 in place.

Learn the Credit Score Game

Now in real life anyone has the opportunity to be part of either the 80% who struggle to barely make it or the 20% who live with a greater sense of financial ease and security.

As in Monopoly we all are required to roll the dice with certain decisions but we have the luxury of research, education and experience to back these decisions so it isn’t based on pure luck.

By diligently and wisely setting your course and with some solid financial planning there is no reason any of us cannot reach this tipping point within our lifetimes and experience the benefits of such a lifestyle.

A perfect starting point and regular check point along the way is to be intimately aware of your credit score and how it relates to your past financial decisions and how you should adjust or continue with your future choices.

Monopoly is just a game… life is not!

Be sure to take your financial future seriously by creating a plan and then diligently sticking to it monitoring it along the way to provide tweaks and adjustments as required.

Learn from Monopoly and the credit score game to help create your financial dreams and goals.

Low Credit Score Solution

Posted on February 9, 2012 by Steven Greenwald

Low Credit Score Solution

low credit score solution “There is no such thing as a problem without a solution,
only problems for which we do not yet have enough information to know what the solution is. When you have enough information, it is easy to solve a problem.”
— Jose Silva: was a American parapsychologist and author

There are a few reasons I really like this quote… Low credit score solution tips

It offers hope… I often personally feel stuck in problems with no way out. It is a great reminder there is always a way out. People often come to me grasping for a low credit score solution almost expecting me to not be able to give them one. The good news is if you truly want to get ahead in your personal finances there is always a solution.
It takes the mystery out of a low credit score and provides a tangible solution.. Many people seem to believe increasing their credit score is smoke and mirrors or is based on “who you know”. Once they see it is pretty much pure science it gives them something they can build a solid plan on and obtain an expected result.
Many problems require great amounts of information to achieve a solution but the low credit score solution is not one of them. Boosting your credit score is actually a very straight forward and simple process once the key points are understood and implemented.
It takes away my excuses… This isn’t a warm fuzzy feeling point but a good one for those of us who are ready to cut the crap and get down to business. It is easy to look at the mountains of obstacles, get discouraged and determine it just isn’t possible. Well like I said in point #1 there is hope….. there truly is a low credit score solution

This blog is filled with plenty of posts outlining exactly what is needed to bump your credit score up to the next level… the information is right here… get your credit score today if you haven’t in a while and take the first step in the low credit score solution.

Bad Credit Tenant Loan Tips

Posted on February 7, 2012 by Steven Greenwald

Bad Credit Tenant Loan Tips

What does a person who doesn’t own a house do if they need a loan?

Lenders typically want security when looking at approving an instalment loan.

Then those with bad credit and no house are especially up a creek…

Or are they?

Bad credit tenant loans are a little known option available and most anyone can qualify.

Since these are unsecured loans they will come with a higher interest rate and may also have a shorter repayment window but the benefits are they still usually have a lower interest rate than most credit cards so these loans can be a good solution to pay off credit card debt amongst other things. Since most lenders don’t dictate what you do with the money the sky really is the limit.

Steps to take when applying for a bad credit tenant loan

Get your credit score - don’t go in to see a lender blind. You are at their mercy and you look unprepared if you walk in with nothing to show. Any lender will pull your credit report so don’t think you will sneak one over on them by not getting yours. This shows you are taking initiative and willing to work at improving your credit score. It also helps you understand why your score is low so you can have a plan of attack to talk with the lender about.
Don’t appear desperate and accept the first approval that comes your way. Since you will be offered higher interest rates when applying for a bad credit tenant loan by shopping around and showing other offers to other lenders you can often negotiate better repayment terms and rates.
If you are finding it difficult getting approved you can adjust one of two things. You can begin requesting a smaller amount of money or you can request a shorter repayment term. Either or both of these will make a lender less nervous about extending credit on a bad credit tenant loan. Getting the loan will not only provide you the cash you need but also an opportunity to repay it with timely payment which will do wonders for boosting your credit score for next time.
If you are really stuck another option is to find a co-signer but I would save that for a last resort.

So if you are in a cash bind and don’t want to add a much larger balance to your credit cards consider applying for a bad credit tenant loan as an option.

Greatest Credit Score Lesson

Posted on January 30, 2012 by Steven Greenwald

Greatest Credit Score Lesson

greatest credit score lesson “The greatest lesson of life is that you are responsible for your life.”
– Oprah Winfrey, talk show host

The greatest credit score lesson you can ever learn is…

You are responsible for yours.

WOW! Profund huh?

Ok…I realize this may sound really basic but although we all believe this in our minds do we actually know it in our heart?

Do you live your life… think your thoughts… make choices… and act as if this were true?

People come to me in all sorts of life’s situations… while in the middle of a home purchase… entering retirement… training for a new career… saving for their future… trying to improve their credit score and speak of problems and setbacks as if they were to be the end of their hopes and dreams.

They seem to think these situations control their ultimate destiny and therefore mitigate their need to try any further.

Greatest Credit Score Lesson

Sure when “crap” happens it can be discouraging and frustrating but it’s important to remember not a single person in history achieved greatness without also facing many hurdles and only succeeded by finding a way around… over… under… or through them.

Those who give too much power to circumstance will camp indefinitely at the hurdle before them which will ultimately be the defeat of all they have hoped and worked for.

Although you may have overcome a hundred thousand obstacles in the past if you give in to the one before you… success is in jeopardy.

It is in realizing you are responsible for your own life… your own career… your own family… your own finances… your own credit score… that you take back the power to achieve all you have ever dreamed of.

By assuming full responsibility for success or failure you stop the debilitating mentalities of blaming and making excuses and set your life in fast forward motion with no reason to slow down or look to the left or right.

Since you are choosing your own future circumstance or other life influences now longer factor in.

Today I hope you have learned the greatest credit score lesson is you are responsible for your own…

Accept or Change Your Credit Score?

Posted on January 25, 2012 by Steven Greenwald

Accept or Change Your Credit Score?

“There are two primary choices in life:
to accept conditions as they exist, or
accept the responsibility for changing them”
Denis Waitley: is an American motivational speaker and writer

Are you going to accept or change your credit score being low?

Paying high interest rates?

Keep getting declined for credit?

Missing out on the best jobs?

Turned down for a new apartment or for getting utilities hooked up?

Had enough getting kicked around yet????

You may have had some bad breaks… maybe treated unfairly… maybe ripped off and taken advantage of.

My question to you is….

What are you going to do about it?

Are the people or the situations that got you where you are (besides yourself) jumping to your rescue to help remedy the situation?

Hmmmm… somehow I doubt it.

So the choice is yours…

Accept your conditions as they are…

OR…

Accept the responsibility to change them.

Accept or Change Your Credit Score

As unfair as your current financial scenario may be the only one who can initiate and drive the change necessary to pull out ahead is yourself.

If you want to change your credit score for the better you need to realize a couple things:

Even if someone else… the economy… series of unfortunate events is the cause of a trashed credit score, you can’t blame any of those for it staying this way. You need to take the bull by the horns and rise above the adversity.
A change in outcome requires a change in attitude, thought, and action. Doing the same thing that got you a poor credit score will never result in a better one simply by waiting.
Time DOES NOT heal all things.. especially not a credit score. This requires work, choice and discipline.

So what’s it going to be?

I say it’s time to make a change for the better…begin today to change your credit score.

Free Credit Score Focus!

Posted on January 9, 2012 by Steven Greenwald

Free Credit Score Focus!

“Nothing can add more power
to your life than concentrating all your energies on a limited set of targets.”

—Nido Qubein: is a businessman and motivational speaker

Dedicate 30 focused minutes per week to improving your credit score and watch it take leaps and bounds upward.

What happens when you harvest a small amount of the suns energy and focus it on a piece of paper through a magnifying glass? It intensifies the energy and creates a notable result.

The effort and attention required to boost your credit score isn’t all that great, so if as mentioned above you take a mere 30 minutes per week you will be spending about 29 1/2 more minutes per week than 99% of the population.

Once your score is up in the range you want it to be you can back off a bit and coast as you monitor your credit score to insure it remains at the level where you are receiving the best interest rates and allowing you the option to pick and choose the lenders that are right for you.

Free Credit Score Focus!

By focusing on your credit score until it is in the company of the elite you are really investing in your financial future and the lifestyle of your choice.

Once you position yourself to receive the best of the best in the lending world you now have the liberty to shift your focus to doing the things you want to do with your time and the financial flexibility to acquire them.

What have you got to lose? What have you really lost if you try taking 30 minutes per week for a credit score focus project and nothing really changes? You for sure won’t be any worse off but think of what you possibly have to gain.

Begin your free credit score focus today!

Credit Score Setback? Not Always Bad!

Posted on January 7, 2012 by Steven Greenwald

Credit Score Setback? Not Always Bad!

The typical mindset is… credit score increase = GOOD… credit score setback = BAD

And while on the surface this seems to be the case I want to share a quote with you from this guy you MAY have heard of… he did a couple pretty cool things in his life so we might want to listen up to his advice…

His name is Walt Disney… ring a bell???

He said: “You may not realize it when it happens, but a kick in the teeth may be the best thing in the world for you.”

Yah it’s another one of those “grow from our adversities” posts…

As much as I don’t really like coming to you with this sort of message I feel I would be doing you a disservice if I didn’t remind you on occasion.

Since we all experience struggles and setbacks the question isn’t whether “will we” but rather “how will” we handle them… and the answer to this question makes all the difference in the world with what you do with something like a…

credit score setback

A credit score setback means one of 2 things…

Either you didn’t know the proper steps required to increase your credit score which therefore is only a lesson away from not repeating the same events in the future or…

You did know what to do but didn’t in which case is simply a matter of buckling down and creating more consistent positive action to get your credit score going in the right direction.

For most people it is usually not much more than a couple missed payments or a delinquent credit card payment that is making the difference so a few small corrections will go a long way to protect your credit score.

Yes, it is hard to go backwards but if this “kick in the teeth”, as Mr. Disney so eloquently stated, is what gets us motivated to push even harder in the other direction isn’t the temporary setback worth it?

So take that credit score setback with a smile on your face, then get out there and turn it around.

Is Your Credit Score Good Enough?

Posted on December 28, 2011 by Steven Greenwald

Is Your Credit Score Good Enough?

“Just as iron rusts from disuse, even so does inaction spoil the intellect.”
– Leonardo da Vinci, Artist

That’s “good enough”…

How often do these words come out of our mouths?

If a salesperson has a 7% closing ratio and is the top of his Company does that mean he shouldn’t bothering working towards an 8% closing percentage?

When you are hired to train other managers because of your strong management skills is it time to take your foot off the gas and coast?

If you reach your goal for the year by the end of October do you take the rest of the year off?

If you have a good credit score by working hard to raise it from 660 to 700…

Is your credit score good enough?

In many scenarios in life the act of “stopping”: is not an indefinite state but rather a temporary one prior to going backwards.

By continually working to improve and better yourself you are not only moving in the right direction but are also keeping sharp and focused on the issues needed to not only increase but to maintain what you’ve already acquired.

As well, in today’s turbulent times no one knows for sure what the future may hold so having a buffer in our finances, credit score, career or retirement plan will never hurt but most likely come in handy when we least expect it.

So to answer the question…

Is your credit score good enough? The answer is “not quite yet”.

If you have no idea what your score is than click here to get your credit score free

Merry Christmas… Happy Holidays!

Posted on December 24, 2011 by Steven Greenwald

Merry Christmas… Happy Holidays!

Technically it’s Christmas Eve as it’s just after midnight where I live so I wanted to send off a Christmas greeting to you all as the next couple days will be busy with family, friends, too much turkey and some enjoyable time off.

It’s time to forget about your credit score, your job, the “to-do” list and how much money you spent on gifts.

Christmas only comes once a year so determine to squeeze the most family time, relaxation, reflection, fun and laughter into these next couple days as you possibly can.

Thank-you all for following me throughout this past year and all the input and interaction you’ve provided. Your interest and kindness are what keeps me motivated on those hard days.

God bless you and your families and have the best and Merriest Christmas ever!

Good Credit Score Starting Point.

Posted on December 19, 2011 by Steven Greenwald

Good Credit Score Starting Point

good credit score starting point The starting point of all achievement is desire. Keep this constantly in mind. Weak desires bring weak results, just as a small fire makes a small amount of heat.”
– Napoleon Hill, author

How hard is it for you to paint the fence or do the laundry when you have “no desire” to do so?

How less daunting do these same tasks appear and how much easier is crossing them off the “to do” list when you have some motivation to carry them out?

DESIRE is by far the best credit score starting point.

If it’s difficult doing a simple task when not motivated to do so it is even more challenging when the task is more significant.

It’s important to find what is your strongest reason for wanting to improve your credit score and personal finances and then find a way to fuel it until it is a burning unquenchable desire.

This desire alone if maintained will spur you on through even the most challenging of times not allowing you to give up or compromise.

What’s your greatest desire? How can you fan the flame?