Archive for 2010

How We Increased Our Credit Score by 38 Points in 45 days

A few years ago while our home in Vermont was being built, we shopped around for a good mortgage rate.

To negotiate the best deal, we obtained our credit reports from the three main reporting services: Equifax, Experian and TransUnion.

And we thought our scores should be higher than they were. After all, we had a perfect repayment history, having never been late on any payments for any reason. But what we found was that we had a few credit cards that sometimes ran close to their credit limits.

Even when paying a credit card in full each month, if the balance reported to the credit agencies is close to the credit limit, your credit score is reduced.

By making sure we never went over 50% of available credit, we bumped our score in less than two months by 38 points.

This higher score allowed us to shave three quarters of a point off the best rate offered before we worked on improving our scores. On a $400,000 mortgage, that was $3,000 a year in savings—$250 a month in the “Hip National Bank”.

There are other things you can do to improve your score, but I urge you to use this one tactic to bump your score.

Pay down your credit cards (or pay them off). Don’t close them unless there is an annual fee so your credit capacity remains high. If you can’t pay them down, you may want to ask for a credit line increase. Just don’t use it. Remember, it’s your credit capacity that makes the difference. Just keep your balance below 50% of available credit.

37 Days to Clean CreditChris Brisson has created a credit repair system that effectively deletes inquiries, charge-offs, late payments and judgments from credit reports.

It’s all explained on this page . . .

Your credit score can make a difference in your insurance rates, loan fees and interest rates. Your credit score can even affect you getting a job.

It’s definitely worth monitoring your scores and making sure all listings are accurate.

For the full scoop on cleaning and increasing your score, we suggest you get Chris’ “37 Days to Clean Credit”. It has a 60-day, 100% money-back guarantee. Go here now . . .

PS: There are also some very good bonuses that go with it that make it pretty much a no-brainer.

Categories: Prosperity/Money Tags:

Success is Not “Out There”

I think you’ll appreciate and enjoy this very short video of actor Kevin Spacey on “Real Success”.

It’s just a little insight and inspiration we wanted to share with you.

Knowing who you are, what’s important to you, what you want, what you stand for and what you WON’T stand for is critical to your success.

And that’s why hundreds and hundreds of our subscribers have invested in and worked through our most popular course.

It’s called Your Core Values. And you can get yours here . . .

If you are a member, you can get yours for half-price.

Just use the member link at the bottom of the order page.

Not yet a member? What ARE you waiting for? It’s free. Click here to join . . .

Make it a great day!

Do You Choose Wisely?

Choose WiselyIt’s Election Day here in America. And we have lots of choices to make, for sure. Given the challenges we face, they are important ones.

And yet, sadly, less than 50 percent of eligible voters will likely cast their ballot. I guess they think it’s not important.

We all make choices every day—thousands of them. Most of them seem insignificant, but they all matter.

Whether you turn left or right out of your driveway makes a difference. What you have for lunch—and where you have that lunch—could matter greatly. What you say to your co-worker—or don’t say—makes a difference. Whether you make a phone call—and who you call—could have substantial ramifications.

Everything matters because everything we do—and don’t do—affects everything else.

Our success or failure is ultimately determined by the choices we make.

If that’s the case, you would think that choosing wisely would be a valuable skill to learn and improve upon. But I don’t see a lot of instruction or support in making good decisions.

Being more conscious of our choices is a great place to start.

In thinking about choices, most people tend to think of the big ones. And certainly there is a difference between choosing which newspaper to buy and whom you will marry.

But small things add up. The aggregate of our decisions makes them significant.

I can choose to have a second helping at dinner today. And that won’t make much of a difference. But if I do that daily, the result will be added pounds in a fairly short period of time.

And seemingly small choices can turn out to be very big indeed. I made a small choice 17 years ago when I decided to go to an event. At the time, it seemed unimportant. However, since I met my wife, best friend and business partner at that event, that decision was quite significant indeed.

So I think the first step in making good decisions is to be aware that they all matter.

And it’s important to realize that we ALWAYS have choices. It might not seem like it, but we do.
We may say we have to go to work or make dinner for the kids, but we are CHOOSING to do these things—whether it feels like it or not.

As I look at the freedom and the choices I have available to me today, I realize that it’s mostly because of the good choices I have made and I am very grateful. And if I look at where I DON’T have as much choice, it’s due to the not-so-great choices I made.

The better choices we make, the more freedom and choice we will have throughout our lives.

And if we’re paying attention, if we’re thinking, noticing, questioning, contemplating and observing, we will make better choices.

They won’t all be right—there’s no way for that to happen. But by being more conscious of our decisions, we will make more helpful than hurtful choices.

Our mission here at SuccessNet is to inform, inspire and empower people to be their best—both personally and professionally. We rarely tell you what to do. Our intention is to give you tools, information, share ideas and help you have more insight so you can make better choices.

When selecting your goals, deciding who to spend time with, what to read, watch or support, be sure to honor your choices—and choose wisely.

Once you make a decision, the universe conspires to make it happen.
—Ralph Waldo Emerson

Categories: Goals, Success Principles Tags: