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"Roadmap to 720+

Quickly Build Your Credit with These Power Moves"

Here’s a story you might want to read if you’re having any issues with your credit. Remember, we want to help you but you need to reach out to us after you’re done with this story.

The Smiths were drowning in a sea of debt, struggling to keep their heads above water every month. Between Max's student loans, Amy's medical bills from an unexpected surgery last year, and the hefty mortgage on their modest suburban home, they felt like no matter how hard they kicked their financial legs, they just kept sinking deeper into the red.

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Their credit scores were now bad enough that lenders saw them as risky borrowers, making interest rates painfully high whenever they needed any kind of loan. They knew they needed to swim their way out of this somehow - improve their credit scores so they wouldn't keep fighting this unrelenting tide of high interest costs.

https://FortressCreditPro.com

Luckily, boosting your credit score is very doable with some strategic 'power moves' and healthy financial habits.

FORTRESS CREDIT PRO

According to credit repair experts at https://FortressCreditProm.com, even going from poor credit to fair credit can save you thousands on loans over time. And improving to over 720, considered excellent credit, makes you eligible for the best lending rates out there.

The first power move is to stop using more than 5% of your available credit whenever possible. Remember, this is just a start. Credit agencies can see this high 'credit utilization ratio' as a sign you depend too desperately on credit.

Try to pay balances off monthly.

Next, become an “authorized user” on someone else’s account to benefit from their good credit history. But make sure the primary user pays on time!

Also, mix different types of credit - secured cards, retail store cards, auto loans, etc. rather than just credit cards - to prove you can handle diverse debt responsibly.

And perhaps most importantly, the Smiths needed to check their credit reports on and dispute any errors dragging down their score. Even small mistakes can cost you points. If you want this done for you, there are packages available that are going to increase your credit rating fast.

With some diligent swimming against the tide using those power moves, in time, the Smiths reached their goal - breaking through the waves finally to gulp fresh air with credit scores above 720.

The waters of high interest debt no longer threatened to drown them. They sailed smoothly now towards their brighter financial future.

So don't let bad credit keep weighing you down either. With focused effort, you can quickly build your score and stay afloat. Keep swimming towards better credit!

Credit Card Tip From The CEO

Lots of people have been using their credit cards more often to shop and buy things.

This means they owe additional money on their credit card balances that they need to pay back.

Some folks are struggling to pay back all that they spent on their cards.

And think back a few months. During COVID, the government sent out stimulus checks and extra unemployment money to help people out.

This additional money made it easier for many to cover their expenses and pay their bills.

Now though, most of that special government assistance has ended as COVID becomes less of a crisis.

So for some families, it's become harder to pay all their ongoing bills and owe less money.

Banks and lenders have noticed more people are having trouble keeping up with payments.

So they have gotten more cautious about letting customers borrow additional money through new credit card limits. They don't want struggling customers taking on debt they can't handle.

The same thing is going on with home loans and mortgages. I don't know if you know this or not, but fewer people are taking out new home loans now because interest rates have increased so much. Those who do take out a mortgage or refinance are now spending a larger portion of their monthly income to cover those housing payments.

Lenders are being extra careful in checking people's debt-to-income ratios before approving high cost loans.

And Christmas was something else.

The holiday season likely made these debt issues even worse for some individuals and families.

I mean tell me if I'm wrong, but it's very tempting to rely heavily on credit cards or even personal loans to pay for lots of gifts, parties, travel, and other holiday expenses. You want to make your loved ones happy.

So now not only do people have their regular bills to pay, but they may have signed up for additional loan payments while also carrying higher credit card balances.

This accumulation of holiday debt on top of their ordinary debt could stretch monthly budgets extremely thin for many months into 2024 and make it harder to pay all bills on time. This is when reality strikes.

Falling behind on credit card, loan, or mortgage payments can hurt your credit score too.

And a lower credit score makes it even harder to qualify for affordable lending rates and if you qualify, you end up paying more because of your lower credit score, imagine that.

So what can people do if they are feeling squeezed by growing debt obligations?

First, what you need to do is carefully review your income and expenses to see where money might be leaking out unnecessarily.

Can you temporarily cut back discretionary expenses like dining out, entertainment, memberships or other non-essentials?

Can you call your creditors to ask for better rates, reduced fees, or alternate payment plans? Consolidating multiple higher interest debts into a single lower fixed rate personal loan can reduce the burden as well.

For those people who are way overextended, credit counseling services can provide guidance and even negotiate with your lenders.

Most importantly, set up a realistic budget that aligns your necessary living expenses with actual income, and try to wean off reliance on credit cards or other debts going forward.

Pay off balances monthly whenever possible.

Saving up a rainy day fund for emergencies can also help avoid getting into financial jams.

With thoughtful spending strategies and diligent budgeting, individuals and families can take control and improve their financial fitness over time. But it requires an honest assessment of your current circumstances and disciplined planning. Don't wait until you miss payments or collection calls start coming in.

Here's a word of wisdom for you. Be proactive now in facing debts and living within realistic means. Don't think they're just going to magically go away. They will not. Help avoid painful financial issues down the road by going to: https://FortressCreditPro.com

We're here to help you fast, but you have to reach out to us to make that happen. We'll be here —- when you're ready.

https://FortressCreditPro.com 

Credit Expert

1-800-485-7267

_{The CFPB Has Stirred the Pot}

Like a big pot of chili simmering away on the stovetop, issues surrounding the restart of federal student loan payments have been slowly bubbling and brewing for months, until they finally “boiled over” in January.

 The Consumer Financial Protection Bureau basically lifted the lid on the widespread student loan issues and let all the heat escape – serving up a tongue-scorching report detailing chronic problems like super long phone wait times, application processing delays, and incorrect billing statements.

The report noted that call wait times to actually speak to a real human being at a student loan servicer shot up from a semi-reasonable 12 minutes back in August 2023 to over 70 minutes by October — enough time to whip up a batch of cornbread from scratch!

And that’s if you’re lucky enough to not have your call drop before anyone picks up. Almost half of calls in October were ‘abandoned’, leaving borrowers stewing in frustration without assistance.

Making matters more unpleasant for student debt holders trying to get back on affordable repayment plans, applications for income-driven plans that base your payments on what you actually earn, are taking forever to process.

We’re talking over a month in some cases – so long you could probably ferment your own hot sauce in the time it takes to get approved.

And if you do miraculously get through on the phone lines and later receive monthly bills from your enthusiastically flame-broiled loan servicer, double check those statements! The CFPB stirred the pot by revealing that inaccurate due dates and inflated payments are unfortunately common, like too many peppers charring the bottom of our metaphorical chili pot.

In response to this three-alarm report, the Department of Education did bring a little cooling relief, at least for some, by withholding payments to a few delinquent student loan servicers.

But industry experts argue staffing cuts and constantly shape-shifting federal repayment plans are the real ingredients that led this spicy chili of a situation to eventually “boil over.”

So for now, preparing for your student loans to restart repayment is kind of like bracing for that first eye-watering bite of five-alarm chili – have some bread or dairy handy to cool your mouth, and maybe start building up your tolerance a little at a time.

Stay persistent yet patient, but above all, don’t let it burn too bad! This chili will simmer down again with time.

Stay up-to-date with AI.

The Rundown is the world’s fastest-growing AI newsletter, with over 500,000+ readers staying up-to-date with the latest AI news, tools, and tutorials.

Our research team spends all day learning what’s new in AI, then distills the most important developments into one free email every morning.

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Credit Card Delinquencies Surge

Uh oh, looks like Miss Credit Card is headed for some major relationship drama! You might want to find out what she has to say about credit this month.

After a blissful AFTER the FACT pandemic spending spree, rumor has it she’s started ghosting more of her customers when the monthly bill comes due.

Yep – new data shows credit card delinquencies are making a comeback not seen since the dark days of 10 years ago. Almost like the honeymoon phase is over and interest rates are the nagging mother-in-law driving a wedge between Miss Credit Card and the everyday Americans who adore her magical debt-buying powers.

After so many quarantine online shopping binges, 3.19% of credit card balances now fail to get even a text back within 30 days. A brutal way to break things off! Even worse, 2.21% of balances are getting snubbed for over 60 days now – talk about a chilly atmosphere when they pass each other at the bank!

But could you really blame Miss Credit Card? Stung by years of rising prices for everyday expenses like her weekly manicures and weekly hair extensions, she’s lashing out passive aggressively as Americans struggle to keep up with her expensive taste. Still – such immaturity for a card her age!

And talk about guts – she’s granting way fewer credit line increases to desperate customers trying to make amends while cranking up interest rates over 20%! Remember the good old days when you could impress her with a 19% APR?

Now, jilted Americans face a painful choice – grovel to Miss Credit Card’s outrageous demands or watch their credit score crater like a wrecking ball took out their mortgage application.

Her cold shoulder may thaw once prices chill out, but meanwhile everyday folks raiding their 401(k)s like an all-you-can-eat buffet just to grab her fleeting attention should be aware – this diva’s affection comes at a steep cost!

Personally, I say ditch this high drama – financially independent women don’t need moody credit cards to have fun!

But if you insist on staying friends, set some boundaries! Don’t let her extravagant lifestyle tempt you to overspend for items you can’t afford. Let Miss Credit Card learn the hard way that you deserve to be treated like more than just a credit score!

GO TO: https://FortressCreditPro.com today. Don’t wait. You won’t believe what they can do for your credit.

And that wraps up another uplifting issue of 'this newsletter' - your friendly guide to financial freedom! We hope you savored this month's tips and stories shared by fellow credit rating warriors just like yourself.

Remember - you hold the power to transform your financial future through smart money and credit card management. And we'll be right here again soon, brewing up even more inspiration, motivation and ideas we know that work to defeat debt and your credit score, one small victory at a time!

Stay up-to-date with AI.

The Rundown is the world’s fastest-growing AI newsletter, with over 500,000+ readers staying up-to-date with the latest AI news, tools, and tutorials.

Our research team spends all day learning what’s new in AI, then distills the most important developments into one free email every morning.

Sign up today.

Until our next empowering edition, tell your friends about us, try out a few new credit boosting tricks up your sleeve if you’re working with https://FortressCreditPro.com, and continue your brave march onwards against burdensome interest rates!

With perseverance and the right knowledge, you CAN slash what you owe for good.

We are signing off with money-saving wishes to you! May your wallets and savings accounts only grow fatter from here. Stay savvy out there, and we'll chat soon!