Credit Score Drop? Emotional Money Baggage to Blame?

Posted on March 7, 2012 by Steven Greenwald

Credit Score Drop? Emotional Money Baggage to Blame?

Have you recently had a credit score drop? If so, has it been combined with other financial setbacks?

Sometimes a credit score drop is an isolated event due to unforeseen events or adverse circumstances however sometimes a credit score drop is a symptom of an underlying negative belief about money or emotional money baggage due to any number of events in ones past.

Credit Score Drop and Money Beliefs

I am not a therapist but it is amazing to me how many people express feelings of shame, guilt, fear, anxiety and other strong emotions relating to their view of money and debt (and a credit score drop).

Money, wealth, assets and possessions are often viewed as a marker of success and is often used as a means to make ourselves feel better when we are down. On the flip side it can also cause us to feel like a failure if we believe we don’t have enough or as much as we’d like.

A credit score drop can easily be attributed to an unhealthy fear of money, the lack of it or an overly strong need to feel successful through your possessions or caliber of lifestyle.

This isn’t a typical “why did my credit score drop” post but I felt if I make you aware of a buried negative emotion it may be your first step to dealing with it and being free to fully embrace the financial goals and dreams you desire.

If you recently had a credit score drop take some time to explore your inner world for any clues.

Credit Report Diligence Pays Off

Posted on February 14, 2012 by Steven Greenwald

Credit Report Diligence Pays Off

This world is filled with many different types of people…

Most of them are well meaning and sincere…

Unfortunately there is a small percentage who for some reason don’t seem to care about anyone but themselves and appear to be continually working the system, cutting corners, breaking laws and hurting others to move ahead in their world.

For all those landlords, employers, creditors and Headmasters this is where credit report diligence can really pay off.

Employers filling a new position do you really know your employee?

Landlords prepared to hand out a key do you know your tenant and their past rental experiences?

Creditors looking to extend credit do you know your client?

Headmasters do you know your students?

We all make mistakes and deserve a second chance however for those who are intentionally taking advantage of others for ill gotten gain there needs to be risk management checks in place for our protection.

Credit Report Diligence

By doing some personal and company due diligence you can often effectively screen most of the scammers before they cause you incredible grief, hurt and most commonly, financial loss.

There are various avenues you can explore including while doing your credit report diligence:

Typical credit report looking for a pattern of financial irresponsibility
Bankruptcy credit reports
Fraud investigation
Criminal record check
Employment screening service
Credit investigations
Background investigation services
Tenant screening services
Background Search Company
Social Trace
Drivers Record
Drug Screening
Education Verification
Employment Verification
Licenses and Certifications
I-9 Employment Eligibility
Federal Contract Exclusions (excluded parties list system)
Terrorist Watch list
OFAC
Sex Offender Registry
Workers Compensation

This post is not intended to spawn paranoia or fear but rather to install a sense of pre-planning to avoid some of the horror stories I’ve heard in the past.

As an employer can you risk finding out your new hire is on the most wanted list?

Are there any landlords out there looking for a tenant known to skip out on rent and trash their rental units?

Any credit providing companies looking for a few new clients who are known fraudulent offenders?

I didn’t think so…

Do your credit report diligence and save yourself some grief…

Chip Away at the Credit Score Stone.

Posted on January 20, 2012 by Steven Greenwald

Chip Away at the Credit Score Stone

“You are the masterpiece of your own life; you are the Michelangelo
of your experience. The David that you are sculpting is you. And you do it
with your thoughts.” — Dr. Joe Vitale: Motivational author and speaker

I realize that “chip away at the credit score stone” is a bit of a stretch for a post title but there are so many parallels I can run I just had to use it.

Michelangelo in 1501 began with a big ugly, cold, and rough block of Carrara marble… three years later he unveiled David… a timeless masterpiece.

Obviously more than just time, Michelangelo also poured in planning, dedication, vision, hard work and patience.

Without a crystal clear image in his mind of what he was sculpting do you think it would have been even remotely possible to shape something as detailed and beautiful as David?

When people talk to me of improving… or chipping away at the credit score stone, I can tell all they currently see is the “big, ugly, cold, block of rock” before them and haven’t taken the time to set their minds, thoughts and emotions on the masterpiece they are attempting to create.

In order to create a financial masterpiece in the real world you need to first create it with your thoughts…. then move the thoughts into a plan…. then begin to chip away… blow by blow of the hammer with patience and precision until the masterpiece is unveiled.

Do you know what it is you are wanting to create? Do you see it clearly in your minds eye? Can you feel the excitement in your soul required to carry you through the hard times?

Take some time to clearly define your “David”… then break it down into action steps… and with that image burned in your minds eye begin to chip away at the credit score stone.

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?

Credit Score Reminder… It’s Not What You Think!

Posted on December 16, 2011 by Steven Greenwald

Credit Score Reminder… It’s Not What You Think!

Credit Score Reminder... It's Not What You Think! “Remember that:
Money will always match your mindset.”

— Dr. Joe Vitale: Motivational author and speaker

I love how Joe Vitale opens this quote with…

“Remember that”

It’s important we remind ourselves of the mindset that will lead us in the direction we want to go.

There are so many distractions in life, it’s easy to get discouraged and slightly veer off track and before you know it we are lost.

We only have so many years to carve out our financial future it’s crucial we stay on track.

Remember…

Take care of the little things: get your credit score regularly, update your budget, put money away in savings, never stop learning, set goals and work hard to achieve them..

If you keep busy with these sorts of things your perspective will stay focused.

Your “credit score reminder” is one of a healthy perspective.

Here’s to a great holiday season and the achievement of your financial goals and dreams.

Free Credit Score for a Merry Not Scary Christmas

Posted on December 15, 2011 by Steven Greenwald

Free Credit Score for a Merry Not Scary Christmas

free credit score for a merry not scary christmas Christmas is a time of giving, celebration and relationship.

Well… it’s supposed to be.

Unfortunately, it is often a time of stress, over spending and debt.

It’s great we want to go out and blow the wad on the people we care about but if it’s done at the expense of our peace of mind and our budget, is it really worth it?

I know my “Free Credit Score for a Merry Not Scary Christmas” title is a bit cheesy but I think it makes it’s point.

Free Credit Score to the Rescue

Before you go too deep into holiday spending get your free credit score and find out where you stand with your ability to acquire more credit and if the additional load may put you into too high of a debt to available credit ratio.

A simple free credit check can save you the embarrassment of being denied credit and beyond that the disappointment of not being able to purchase what you had your heart set on.

Be prepared and get your facts upfront so there are no surprises.

So… click here now to get your Free Credit Score for a Merry Not Scary Christmas

More Credit Score Anxiety.

Posted on December 14, 2011 by Steven Greenwald

More Credit Score Anxiety

more credit score anxiety Yesterday I wrote a post called Your Credit Score Bring You Anxiety where I spoke of the dangers of avoiding getting your credit score with the fear of what you may find.

Today talks of more credit score anxiety but with a broader scope.

Dr. Joe Vitale says: “Your wealth is hiding under
the very thing you are afraid to do.”

Fear can be a silent killer of all dreams.

If we allow fear to stop us from doing what we know we need to do in order to fulfill our goals and dreams than we have allowed something that may not even be real to determine the outcome of our life.

Whether you have fear of taking action with your credit score, your job, your education or your personal finances it is important to identify the issue and deal with it before wasted years pass and you are no closer to your goals.

Muster the courage to look under your fear for there you will find your treasure.

Your Credit Score Bring You Anxiety?

Posted on December 13, 2011 by Steven Greenwald

Your Credit Score Bring You Anxiety?

your credit score bring you anxiety? I’m a little embarrassed to admit this but…

Years ago I was afraid that maybe somehow my credit score had dropped so instead of checking it to know for sure, I just ignored it.

WOW huh?

The old “head in the sand” technique.

It’s kind of funny to look back now but I was wondering…

Does your credit score bring you anxiety?

Now that I operate a blog on the subject I realize I was far from alone in my head space of having anxiety about my credit score.

Turns out many of you do too.

You know what? That’s OK!…

Really!

Don’t beat yourself up over it, but try to think it through rationally.

A) If your credit score is good and you don’t check well than no harm no foul

B) If your credit score is good and you do check than wahoo… that feels good… right?

C) If your credit score is worse than you thought and you don’t check… thats tragic!

D) If your credit score is worse than you thought and you do check then you can stop stressing about it and fix it…. right?

Option “C” is the worst case scenario by a long shot… “A” is good but only if you’re lucky.

If you want to take control of your finances and your credit score…

Don’t let your credit score bring you anxiety!!!!

Click here to get your credit score now!

Raise My Credit Score by 100 Points.

Posted on December 12, 2011 by Steven Greenwald

Raise My Credit Score by 100 Points

Many in the past have asked questions like “is it possible to raise my credit score 100 points by Christmas?”

Answer…

Good news and bad news…

**Good news… yes it’s very possible to raise your credit score 100 points.**

The “not so” bad news is, although it won’t happen by Christmas you could conceivably do it by the time your credit card bills arrive in the New Year mail. Most think it takes a long time but following these steps it is possible to raise your credit score fast.

Since at least 2 out of 3 Americans have at least one blemish on their credit score significant enough to be denied a loan, housing, insurance or utilities this post probably applies to the majority of my readers.

The following method has been proven to work in many case in as little as 45 days.

Step #1 – Get your credit score from all 3 bureaus

Step #2 – By scrutinizing the 3 reports look for discrepancies between them. Look for differences in how each item is reported on each file such as dates filed, amounts, balance due or creditor. Any item that is not identical between the 3 bureau reports is an inaccurate item you are within your right to legitimately dispute.

Step #3 – Prioritize the items from most severe to least Public record items (things like foreclosure, bankruptcy etc) are most severe,.

Step #4 – Beginning with the most severe items put together a letter for each of the bureaus with no more than 5 dispute items per letter and send it as certified mail.

Step #5 – Wait to receive a reply… typically 30-35 days at which time if successful you should see a large increase to your credit score.

Step #6 – Repeat the above process with any remaining disputed items.

The above strategy is the same most credit repair specialists use so get out there, give it a try and enjoy 2012 with a new higher credit score.

Credit Score Work.

Posted on December 10, 2011 by Steven Greenwald

Credit Score Work

credit score work “Talent is cheaper than table salt. What separates the talented individual from the successful one is a lot of hard work. ”
– Stephen King, author

We so often hear “it’s the little things” that separate good from great but yet how many of us really pay attention to the details?

I’m guilty as charged…

Often I catch myself avoiding doing it “right” even knowing what I know.

Credit score work is not glamorous, fun or exciting but is necessary to live the life of your dreams.

The nice thing about credit score work is it isn’t complicated, difficult or hard work.

It is a matter of consistently doing the little things over and over for… well… forever!

So get working on making it a habit and you will be realizing the lifestyle of your dreams before you know it.

Free Credit Score – Your Credit Score Made Easy…

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Credit Score Drop? Emotional Money Baggage to Blame?