Innovative Credit Consultants is inspired by President Obama’s State of the Union Address.
President Obama proposed, “30 billion dollars of the Bank recovery money to help small businesses get the credit they need to stay afloat.”
With all this talk about the economy, banks, lenders and real estate, it is only natural for credit to be a topic of conversation too. The economy hit small business owners hard who will be forced to close their businesses if they do not get the loans they need to persevere.
While we are proud of our success rate and have helped countless individuals improve their credit, we are eager to help small business owners too. We provide valuable information for business owners in our Business Basics blog. Keep watch for our excerpt, "Defining Business Credit".
Innovative Credit Consultants offers a free consultation to small business owners who are in need of personal credit repair or the tools to achieve better credit for optimal business ownership success. Visit icreditinc.com and speak to a credit repair professional today.
Credit education starts with ICC! Innovative Credit Consultants presents must read information for consumers nationwide. ICC is devoted to making credit count! Get the right information about your credit report today www.icreditinc.com.
Friday, January 29, 2010
State of the Union Address Inspires ICC
Innovative Credit Consultants is inspired by President Obama’s State of the Union Address.
President Obama said, "If we don't take meaningful steps to take care of our debt it could damage our future."
Innovative Credit Consultants agrees that what you do or what you do not do impacts your future.
It costs more to do nothing about bad credit then to improve it. It takes guts to face the debt you owe, but if Obama can do it, so can you. Innovative Credit Consultants is here for you, you do not have to face your credit alone. If your credit report is inaccurate or if you need help understanding your report, you will benefit from the free consultation offered by Innovative Credit Consultants.
Take meaningful steps towards credit repair today with Innovative Credit Consultants. Don't wait any longer, your future is waiting for you and so it your credit report. Innovative Credit Consultants is here to help you, visit icreditinc.com for more information. Take the very important first step towards better credit and a better future and contact us today!
President Obama said, "If we don't take meaningful steps to take care of our debt it could damage our future."
Innovative Credit Consultants agrees that what you do or what you do not do impacts your future.
It costs more to do nothing about bad credit then to improve it. It takes guts to face the debt you owe, but if Obama can do it, so can you. Innovative Credit Consultants is here for you, you do not have to face your credit alone. If your credit report is inaccurate or if you need help understanding your report, you will benefit from the free consultation offered by Innovative Credit Consultants.
Take meaningful steps towards credit repair today with Innovative Credit Consultants. Don't wait any longer, your future is waiting for you and so it your credit report. Innovative Credit Consultants is here to help you, visit icreditinc.com for more information. Take the very important first step towards better credit and a better future and contact us today!
ICC Responds to the State of the Union Address
Innovative Credit Consultants is inspired by President Obama’s State of the Union Address.
President Obama said, “Let’s get it done!”
Innovative Credit Consultant likes this motto after all we are one of the few companies that do not charge for our time.
Reputable credit repair companies are charging up-front fees before they accomplish anything. They also drag out the time it takes to repair your credit report because they will make more money monthly. These so called top of the line credit repair companies take advantage of their clients. Many people really do not understand the credit system, so big companies can make it seem intimidating and complex to get more money out of their clients. Innovative Credit Consultants gets it done and gets it done right.
We do not charge for our time because we respect yours. Innovative Credit Consultants is productive and efficient and while we consider our service to be fast and easy we do not rush through our consultations. We give you all the time you need and offer continued support throughout your credit repair process.
Let’s get it done together and boost your credit report. Visit icreditinc.com today!
President Obama said, “Let’s get it done!”
Innovative Credit Consultant likes this motto after all we are one of the few companies that do not charge for our time.
Reputable credit repair companies are charging up-front fees before they accomplish anything. They also drag out the time it takes to repair your credit report because they will make more money monthly. These so called top of the line credit repair companies take advantage of their clients. Many people really do not understand the credit system, so big companies can make it seem intimidating and complex to get more money out of their clients. Innovative Credit Consultants gets it done and gets it done right.
We do not charge for our time because we respect yours. Innovative Credit Consultants is productive and efficient and while we consider our service to be fast and easy we do not rush through our consultations. We give you all the time you need and offer continued support throughout your credit repair process.
Let’s get it done together and boost your credit report. Visit icreditinc.com today!
ICC Hopes to Contribute to a "Hopeful Future for America"
Innovative Credit Consultants is inspired by President Obama’s State of the Union Address.
President Obama said we must, “forge a more hopeful future for America."
Innovative Credit Consultants agrees with the president and wants to contribute to the hopeful future America needs.
Innovative Credit Consultants offers professional credit repair services and stands with you in this challenging economy. Now more than ever, people need the right information. Innovative Credit Consultants provides America with the tools to understand the credit system.
Innovative Credit Consultants wants to help you persevere through this difficult time and ultimately get what you want. Our goal is to provide clients with tools to: boost credit scores, establish advantageous credit and maintain healthy credit. The current state of the economy has affected everyone! Homeownership, loan approval, even getting a credit card seems impossible.
Many Americans actually have errors on their credit report that they are not even aware of. Innovative Credit Consultants is experienced and can get your inaccurate or unverifiable information removed from your credit report. More importantly, is the information and guidance towards better credit that we offer.
Innovative Credit Consultants offers free consultations and free credit report evaluations while covering everything about credit and the role it plays in your life.
Innovative Credit Consultants is grabbing onto hope with the president and with America.
Let us work together to get the credit score you need to make your dreams come true.
Connect with icreditinc.com
President Obama said we must, “forge a more hopeful future for America."
Innovative Credit Consultants agrees with the president and wants to contribute to the hopeful future America needs.
Innovative Credit Consultants offers professional credit repair services and stands with you in this challenging economy. Now more than ever, people need the right information. Innovative Credit Consultants provides America with the tools to understand the credit system.
Innovative Credit Consultants wants to help you persevere through this difficult time and ultimately get what you want. Our goal is to provide clients with tools to: boost credit scores, establish advantageous credit and maintain healthy credit. The current state of the economy has affected everyone! Homeownership, loan approval, even getting a credit card seems impossible.
Many Americans actually have errors on their credit report that they are not even aware of. Innovative Credit Consultants is experienced and can get your inaccurate or unverifiable information removed from your credit report. More importantly, is the information and guidance towards better credit that we offer.
Innovative Credit Consultants offers free consultations and free credit report evaluations while covering everything about credit and the role it plays in your life.
Innovative Credit Consultants is grabbing onto hope with the president and with America.
Let us work together to get the credit score you need to make your dreams come true.
Connect with icreditinc.com
Wednesday, January 27, 2010
What is VantageScore?
The three major credit bureaus, Experian, TransUnion and Equifax are using a new credit report scoring system. Each bureau follows the same formula to determine the new VantageScore. But this does not mean your credit report would be the same from each bureau. The information each bureau has about you may vary. The purpose of the VantageScore is to help Lenders identify a borrowers credibility however some think this new system is consumer friendly.
The new VantageScore is sort of challenging FICO which uses a number system to determine your credit score. The three bureaus are treating this as a test period.
The new VantageScore uses numbers and letters to determine your final credit score. Your report would list a letter score and a number score.
The VantageScore System
901 - 990: A
801 - 900: B
701 - 800: C
601 - 700: D
501 - 600: F
It is not yet clear if this new scoring system will have a positive or adverse effect on a lenders’ decision. There are many variations of credit scores because of the licensing cost to use FICO. This cost tends to be rather steep for lenders. Banks and other companies typically have a high volume request for scores which is why they are more willing to opt for a more cost effective solution. These other scores are typically referred to as non-Fico or even “FAKO” scores. However, the VantageScore system and is not a FAKO.
What is the difference between FICO and VantageScore?
The FICO score ranges from 300 to 850 while the VantageScore ranges from 501 to 990. It is based on five variables, while the VantageScore is based on six variables.
The following chart compares VantageScore to FICO and shows the percentage of a variable and its role in the total credit score. Click the image below.
Innovative Credit Consultants will be following the new scoring system and will keep you updated on consumer progress. Extra tip: Never assume a lender uses FICO. The VantageScore method could change your credit score by almost 50 points. Always ask your lender what scoring system they use
For more information about credit, visit icreditinc.com. You can also talk to a credit repair consultant who can help you boost your credit score.
The new VantageScore is sort of challenging FICO which uses a number system to determine your credit score. The three bureaus are treating this as a test period.
The new VantageScore uses numbers and letters to determine your final credit score. Your report would list a letter score and a number score.
The VantageScore System
901 - 990: A
801 - 900: B
701 - 800: C
601 - 700: D
501 - 600: F
It is not yet clear if this new scoring system will have a positive or adverse effect on a lenders’ decision. There are many variations of credit scores because of the licensing cost to use FICO. This cost tends to be rather steep for lenders. Banks and other companies typically have a high volume request for scores which is why they are more willing to opt for a more cost effective solution. These other scores are typically referred to as non-Fico or even “FAKO” scores. However, the VantageScore system and is not a FAKO.
What is the difference between FICO and VantageScore?
The FICO score ranges from 300 to 850 while the VantageScore ranges from 501 to 990. It is based on five variables, while the VantageScore is based on six variables.
The following chart compares VantageScore to FICO and shows the percentage of a variable and its role in the total credit score. Click the image below.
Innovative Credit Consultants will be following the new scoring system and will keep you updated on consumer progress. Extra tip: Never assume a lender uses FICO. The VantageScore method could change your credit score by almost 50 points. Always ask your lender what scoring system they use
For more information about credit, visit icreditinc.com. You can also talk to a credit repair consultant who can help you boost your credit score.
Don't Let Bad Credit Haunt You
A poor credit report doesn’t have to haunt you your whole life. The best part about credit reports is that they can change. Your scoring slowly changes as you change your credit habits. Take a moment to organize your finances and get things in line. If it all seems too overwhelming, you can go to icreditinc.com for free tools and resources that will allow you to get a fresh start on your credit.
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