The Money Coach
  • About
    • Meet Lynnette
    • Media Kit
  • Get Help
    • Money Coach University™
    • Books
    • Financial Coaching
    • Speaking
    • The Money Coach Recommends™
  • Contact
  • Building Wealth
  • Investing
  • Credit Scores
  • Student Loans
  • Paying for College
  • Saving Money
  • Real Estate
  • Credit Card Debt
No Result
View All Result
The Money Coach
  • About
    • Meet Lynnette
    • Media Kit
  • Get Help
    • Money Coach University™
    • Books
    • Financial Coaching
    • Speaking
    • The Money Coach Recommends™
  • Contact
No Result
View All Result
The Money Coach
No Result
View All Result

Perfect Credit: 7 Steps to a Great Credit Rating

Lynnette Khalfani-Cox, The Money Coach by Lynnette Khalfani-Cox, The Money Coach
in Credit Scores
Reading Time: 3 mins read
Perfect Credit
10
SHARES
168
VIEWS
Share on FacebookShare on Twitter

If you have negative marks in your credit history, you already know what a pain it is living with bad credit: you get turned down for credit cards and loans, you pay sky-high interest rates when you do get approved, or you have to go (hat in hand) asking family or friends to co-sign for you or loan you money. The list of indignities you suffer with poor credit goes on and on.

Lately, amid the ongoing credit crunch, even people with “good” credit histories and respectable credit scores are having a tough time. Banks have imposed new fees, raised interest rates, slashed credit lines and even closed accounts of customers with so-called “good” credit. Which is why, even if you have a fair-to-good credit rating, you need to learn how to achieve “perfect credit.”

Consider this: Do you plan on doing any one of these things in the next two months to two years?:

  • buying a house or renting an apartment
  • refinancing a mortgage or getting a home equity loan/line of credit
  • purchasing a car
  • getting a student loan
  • applying for a new credit card/switching credit cards
  • co-signing for a loan for someone else
  • seeking a small business loan
  • obtaining a new job – or seeking a promotion on your current job

If so, please realize that all of these goals have one thing have in common: They all require you to have great credit! So if you, or someone you know, have an immediate or near-term need for credit or a loan, you’ll greatly improve your odds of getting a “Yes,” and getting the best rates and terms, if you follow the advice outlined in Perfect Credit.

Perfect Credit is also a must-read for people that want to:

  • establish credit

    • high school and college students

    • recent divorcees

    • widows

    • elderly citizens

    • immigrants

    • minorities

    • anyone who mainly uses cash

  • fix problem credit

    • individuals with late payments,

    • charge-offs, judgments,

    • foreclosures, repossessions

    • bankruptcies

    • past due bills

  • improve their credit

    • those with “average” credit

    • consumers with “good” credit who want an A+ credit rating

  • maintain outstanding credit

    • anyone with superb credit who wants to hang on to that first-rate status

Perfect Credit is the definitive guide to getting and keeping outstanding credit. Think of this book as a roadmap for anyone hoping to establish picture-perfect credit, make improvements to have stellar credit, or simply maintain a fantastic credit standing.

Right now, roughly 220 million Americans have credit files maintained by the “Big Three” credit bureaus: Equifax, Experian, and TransUnion. Of those individuals, about 40 million Americans (roughly 1 out of 5), have very poor credit, or “deep subprime scores,” according to Experian.

Another 50 million adults in the U.S. have no credit files – either because they’ve never used traditional forms of credit, or because their credit files are “too thin” to generate a credit score. Perfect Credit offers all these consumers an easy-to-follow blueprint on how to get superb credit – and how to sidestep numerous credit traps and pitfalls along the way. Buy Now from Amazon

Tags: Credit ratingPerfect Credit
Previous Post

Zero Debt: The Ultimate Guide to Financial Freedom 2nd Edition

Next Post

Should You Sell Your Timeshare?

Related Articles

protect your credit score
Credit Scores

How to Protect Your Credit Score After Job Loss 

by Lynnette Khalfani-Cox, The Money Coach
Best Way to Check Your Credit Score Using Apps
Credit Scores

The Best Way to Check Your Credit Score Using These 4 Apps

by Guest Blogger
Credit Scores

DTI or Debt-to-Income Ratio Explained

by Lynnette Khalfani-Cox, The Money Coach
4 Summertime Risks to Your Credit Score
Credit Scores

4 Summertime Risks to Your Credit Score

by Lynnette Khalfani-Cox, The Money Coach
credit score drop
Credit Scores

What to Do If Your Credit Score Drops Unexpectedly

by Lynnette Khalfani-Cox, The Money Coach
The Money Coach
Credit Scores

4 Credit Tips for National Get Smart About Credit Day

by Lynnette Khalfani-Cox, The Money Coach
credit score
Credit Scores

The Impact of Closed Accounts on Your Credit Score

by Lynnette Khalfani-Cox, The Money Coach
credit score changes in 2015
Credit Scores

Changes That May Impact Your Credit Score

by Lynnette Khalfani-Cox, The Money Coach
close credit card account
Credit Scores

Impact of Closing an Account on Your Credit Score

by Lynnette Khalfani-Cox, The Money Coach
Next Post
timeshare

Should You Sell Your Timeshare?

About

Lynnette Khalfani-Cox, The Money Coach®, is a personal finance expert, speaker, and author of 15 money-management books, including the New York Times bestseller Zero Debt: The Ultimate Guide to Financial Freedom.

Lynnette has been seen on more than 1,000 TV segments nationwide, including television appearances on Oprah, Dr. Phil, The Dr. Oz Show, The Steve Harvey Show, Good Morning America, The TODAY Show and many more.

Quick Links

  • Money Coach University
  • Lynnette's Personal Site
  • The Money Coach Corporate Site
  • Video Portfolio
  • Privacy Policy

All information on this blog is for educational purposes only. Lynnette Khalfani-Cox, The Money Coach, is not a certified financial planner, registered investment adviser, or attorney. If you need specialty financial, investment or legal advice, please consult the appropriate professional. Advertising Disclosure: This site may accept advertising, affiliate payments or other forms of compensation from companies mentioned in articles. This compensation may impact how and where products and companies appear on this site. AskTheMoneyCoach™ and Lynnette Khalfani-Cox, The Money Coach® are trademarks of TheMoneyCoach.net, LLC.

©2009-2022 TheMoneyCoach.net, LLC. All Rights Reserved.

No Result
View All Result
  • Meet Lynnette
  • Money Coach University™
  • Books
  • Financial Coaching
  • Speaking
  • The Money Coach Recommends™
  • Media Kit
  • Contact

©2009-2021 TheMoneyCoach.net, LLC. All Rights Reserved.

Welcome Back!

Login to your account below

Forgotten Password?

Retrieve your password

Please enter your username or email address to reset your password.

Log In

Add New Playlist