In the second edition of Your Credit Defines Your Credibility Chayo Briggs discusses a pathway to understanding what contributes to an excellent credit rating. We know such issues are daunting, but you may need to borrow money from a lender, so it’s important to know how credit scores are calculated. American’s have faced uncertain times over the last year with the pandemic, making the need to establish a good credit score even more important.
A great place to start is deleting toxic accounts such as collections, inquires, charges-offs public records. As a highly successful real estate investor for over twenty years, Briggs is driven to obtain the highest standards for his clients.
As America undergoes some drastic changes in the coming years, building passive income is the holy grail of personal finance. These additional streams of income can take an initial investment and turn it into a sole source of income. Chayo shares some of his favorite Real Estate Investment opportunities to help you build passive income for the future.
Briggs understands the key to success comes through life experience; for that reason, he assists clients in procuring their prosperous future, breaking the chains of financial distress. His advice on credit and finance has been featured in numerous books and magazines, such a Courbee Revolucion Magazine, Enjoy Life Magazine, Nuestro Mundo, Curvy Girls Slay Magazine, Changing Lenses Magazine, The Ultimate Black Man Magazine, Queen-size Magazine, Diva Naires Magazine, Just For Me Magazine, Elissa Gabrielle Entertainment Magazine, G-Entertainment Magazine and numerous other publications.
Innehållsförteckning
Table of Contents
Disclaimer 3
Acknowledgments. 4
Author Bio. 8
Preface. 10
Introduction. 11
Chapter One: Your Credit Profile. 12
Chapter Two: What is Credit?. 21
Four Types of Credit 21
Why Do You Need Credit?. 22
Chapter Three: Side Effects of Bad Credit 25
What is Debt Collection?. 29
Debt Scams. 33
Bankruptcy. 44
Bankruptcy Schedule C.. 59
Chapter Four: How is Your Credit Score Calculated?. 64
Chapter Five: Hard and Soft Credit Inquires. 82
Credit inquiries. 82
Chapter Six: Bank Accounts and Credit Scoring. 87
Chapter Seven: Debt vs Income Ratio. 93
Chapter Eight: Dealing with Negative Credit Issues. 96
Chapter Nine: Credit Report in Minority Environments. 117
Chapter Ten: Fixing Your Credit 122
Chapter Eleven: Dispute an Error 145
Chapter Twelve: Identity Theft 161
Credit Fraud Prevention Kit 171
Consumer Resources. 176
History of Credit Bureaus. 179
Equifax Inc. 179
Experian plc. 184
Trans Union. 191
Glossary. 194
References. 219
Om författaren
As a highly successful real estate investor for over seventeen years, Briggs is driven to obtain the highest standards for his clients. His successes as an effective motivational speaker and published author were developed from life experience. Through those exceptional skills he learned the art of passive income. Chayo can assist his clients in procuring their prosperous future, breaking the chains of financial distress.
The basic concepts of credit stability are simple, but most people see these topics as taboo, when in fact they are essential to becoming a successful financially independent individual. We know such issues are daunting, but you may need to borrow money at some point in the future.
Your credit score determines two things that can affect your loan approval. First, lending money entails risk; lenders need to know you are reliable. Second, your credit score determines the terms of your loan.
In today’s society, having just an average credit rating may not be enough. Employers are beginning to check credit history to make sure an employee is a good fit. Think of your credit score as a resume, your life history. It paints a clear example of what type of person you are in real life,
’I have over seventeen years’ experience in real estate entrepreneurism and life coaching. One of the first topics discussed is a client’s credit rating, because it will determine the next course of action.’
In today’s economy, something simple like getting a place to live requires a credit history report,
’Therefore, I am committed to assisting people in understanding the importance of credit credibility.’
Briggs has a great deal of life experience, making him a skilled expert at helping people overcome their credit creditably issues. In return, he is able to establish a solid foundation for his clients to achieve their credit status goals.
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