In today’s world credit is essential, financial institutions use the concept of your credit score to decide to extend or not to extend your credit.

What determines Good Credit?

Good Credit is having a good reputation to pay back your loans. If you pay back your loans each month and on time your credit score and will improve. With good credit lenders trust that you will pay back what they loaned out to you. The more trust you have with lenders the more opportunities you have such as, lower payments and lower interest rates.

No matter the kind of communication method, there’s a way that spammers and marketers take advantage of the convenience and low cost of communicating to flood you with advertising and offers.

Some offers are legitimate, others fraudulent, but in any case, you will want to control what messages get through to you in order to take control of your personal finances.

Opting Out of Unwanted Texts & SMS Messages

Cellular texts, SMS messages, and other kinds of communications that arrive through your smartphone are important to control. Your phone is always with you, and if you let too many parties text you unwanted marketing messages, it robs you of your time, attention, and potentially cellular data.

Opting Out of Unwanted Credit Card Offers

Everyone with a credit report could be pre-screened in order to receive credit card offers in the mail. Insurance companies also use this pre-screening to market to potential customers.

Stop Getting Unwanted Physical Junk Mail

Besides credit card offers and insurance solicitations, there are other ways to limit junk mail, like unwanted coupons and catalogs.

Using the Do Not Call Registry for Marketing Calls

Robocalls and other unsolicited phone marketing is a nuisance, especially in the smartphone era. When your phone is always with you, unwanted phone calls are impossible to avoid.

Stopping Unwanted Email Spam

The toughest unwanted communications to deal with are unsolicited emails, or spam.

We’ve gathered some best practices to help keep your email inbox under your control and avoid getting even more spam.

At one point or another, we all need to borrow money. It may be for a car, house, education- there are many reasons why people might need credit. Have you ever borrowed money? If so, did the lender check your credit score before giving you the loan? Credit is an important part of life that everyone should understand. This blog post will explain what a credit score is and how it affects borrowing decisions.

Conclusion paragraph: In the United States, credit scores are a three-digit number that represents your ability to pay back what you borrow. A higher score means better borrowing decisions and more opportunities for credit cards, loans, mortgages, rental applications or anything else where good repayment is required. It’s important to understand how these numbers work so you can make smart financial choices now that will affect your future prospects. Here at RayReynolds.org we offer affordable solutions to help you get started on the right foot with sorting out any problems in your report. Give us a call today!