United Credit Education Services
The Cost of Bad Credit
Is Credit
Repair for me?
So how can credit repair and credit education benefit you? Lets start with how an additional $250.00 to $300.00 can make a major difference in most peoples lives and where we can get that extra money. The table below illustrates the affects of what you are paying now for a home loan with bad credit versus what you could be paying if you had good credit.
| Credit Score | 580 | 650 | 680 |
| Loan Amount | $150,000.00 | $150,000.00 | $150,000.00 |
| Interest Rate | 8.5% | 7% | 6.0% |
| Monthly Payment | $1153.37 | $997.95 | $899.33 |
| Difference | $155.42 | $254.04 |
According to
the
chart above if you had a 680 credit score versus a 580 credit score you
would save at minimum $254.04 per month! I
think i just found that extra $250.00 per month i needed to improve my
families live style!
It's really that simple. By learning about credit, how to manage your money and going through a credit repair process to correct any past issues I just created an additional $250.00 per month and $3000.00 per year, $90,000.00 over 30 years of additional income. Now what about your other items such as your car loans and credit cards? Now that you have increased your credit scores what if you where able to refinance your car? What about putting your credit card companies on notice? Let them know that you can and will be shopping for the best rates. You can probably realize an additional $100.00 to $150.00 in monthly saving on top of the $250.00 that you just saved on your home mortgage.
Now the question is this, is this really possible? The answer is YES it is possible and I have personally helped 100's of willing people with this process for over 7 years. Now you must know that not all people make it. For some people they just don't stick to the program. They are use to living in there current situation and they unfortunately feel more comfortable with there current situation and they are not willing to change the way they think about credit or debt. It is not comfortable for them. This person is not wrong or stupid, they just aren't ready to improve there life. For those that have had enough suffering and are willing to change there way of thinking and willing to learn about the single most important topic, credit and credit repair, they will not regret this journey.
Don't be fooled by the nay-sayers, they don't pay your bills and they probably aren't willing or able to help you. This is a decision that you and only you need to make. There is a lot of information on the Internet with claims of "24 credit repair", "Do it yourself programs" you can buy for $49.00 and so on. There is also a lot of information that would have you believe that there is nothing you can do. The truth of the matter is; There is something you can do and it will take some time.
Let me ask you a question; If it took you 6 months to a year to receive all the benefits that I mentioned earlier, not including what having good credit will do for your self-esteem, would it be worth the time and effort? Again, that is a question only you can answer.
It's really that simple. By learning about credit, how to manage your money and going through a credit repair process to correct any past issues I just created an additional $250.00 per month and $3000.00 per year, $90,000.00 over 30 years of additional income. Now what about your other items such as your car loans and credit cards? Now that you have increased your credit scores what if you where able to refinance your car? What about putting your credit card companies on notice? Let them know that you can and will be shopping for the best rates. You can probably realize an additional $100.00 to $150.00 in monthly saving on top of the $250.00 that you just saved on your home mortgage.
Now the question is this, is this really possible? The answer is YES it is possible and I have personally helped 100's of willing people with this process for over 7 years. Now you must know that not all people make it. For some people they just don't stick to the program. They are use to living in there current situation and they unfortunately feel more comfortable with there current situation and they are not willing to change the way they think about credit or debt. It is not comfortable for them. This person is not wrong or stupid, they just aren't ready to improve there life. For those that have had enough suffering and are willing to change there way of thinking and willing to learn about the single most important topic, credit and credit repair, they will not regret this journey.
Don't be fooled by the nay-sayers, they don't pay your bills and they probably aren't willing or able to help you. This is a decision that you and only you need to make. There is a lot of information on the Internet with claims of "24 credit repair", "Do it yourself programs" you can buy for $49.00 and so on. There is also a lot of information that would have you believe that there is nothing you can do. The truth of the matter is; There is something you can do and it will take some time.
Let me ask you a question; If it took you 6 months to a year to receive all the benefits that I mentioned earlier, not including what having good credit will do for your self-esteem, would it be worth the time and effort? Again, that is a question only you can answer.
For more information on credit repair and credit education, please contact;
Mark Bustamonte
Certified Credit Consultant
Certified Mortgage Planning Specialist
United Credit Education Services
866-840-2240 Toll Free
816-479-4609 Fax
mark@unitedcredited.com
www.unitedcredited.com