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Locality: Newport Beach, California

Phone: +1 855-336-5587



Address: 120 Tustin Ave., Ste. C 92663 Newport Beach, CA, US

Website: creditcomplete.com/

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Credit Complete 15.12.2020

Lenders look at more than just your credit score! If you’re in the market for a loan, your credit score is one of the biggest factors that lenders consider, but it’s just the start. Lenders like to see an applicant’s full financial profile when deciding whether to approve a loan, and at what interest rate. So, when you fill out a loan application, be prepared to share everything. Delinquent accounts, meaning those paid more than 30 days late... Unpaid collections accounts A past bankruptcy Foreclosures The number of recent applications for credit Outstanding debts While one or more blemishes might not be deal-breakers, having them on your credit report can impact your interest rate.

Credit Complete 25.11.2020

Why is credit card debt consolidation a good thing? Carrying a large balance of credit card debt on several cards can become a vicious cycle. Instead of continuing to make separate payments on these cards, consider combining them into one loan through a credit card consolidation. Here’s a few reasons why consolidation might be beneficial for you:... There are multiple ways to do it: You don’t need to open another credit card and transfer balances to consolidate debt if you don’t want to. Among the options are personal loans, car title or lien loans and home equity lines of credit. All of these options generally provide a cheaper interest rate than credit cards. You’ll have one payment instead of multiple ones: Different credit cards means you likely have different interest rates, different due dates and different minimum payments. Simplifying the hassle by moving it all into one loan that you pay once per month. One interest rate one payment: Instead of paying different rates on different cards, a credit card consolidation will allow you to stick with one payment on a single loan.

Credit Complete 09.11.2020

Lenders look at more than just your credit score! If you’re in the market for a loan, your credit score is one of the biggest factors that lenders consider, but it’s just the start. Lenders like to see an applicant’s full financial profile when deciding whether to approve a loan, and at what interest rate. So, when you fill out a loan application, be prepared to share everything. Delinquent accounts, meaning those paid more than 30 days late... Unpaid collections accounts A past bankruptcy Foreclosures The number of recent applications for credit Outstanding debts While one or more blemishes might not be deal-breakers, having them on your credit report can impact your interest rate.

Credit Complete 07.11.2020

Fraud alert or credit freeze which is right for you? Considering a fraud alert or credit freeze? In the aftermath of the Equifax data breach, many people are. You don’t need to be an identity theft victim to use them but it’s helpful to consider your situation. If you’re not sure which is best for you, here are some things to think about. What do fraud alerts and credit freezes do?... With a fraud alert, businesses must try to verify your identity before extending new credit. Usually that means calling to check if you’re at a particular store attempting to take out new credit. With a credit freeze, no one including you can access your credit report to open new accounts. You’ll get a PIN number to use each time you want to freeze and unfreeze your account to apply for new credit. How long do fraud alerts and credit freezes last? A fraud alert lasts for 90 days. You can renew it but you’ll need to remind yourself or it will expire automatically. Identity theft victims are entitled to an extended fraud alert, which last seven years. In almost all states, a credit freeze lasts until you temporarily lift or permanently remove it. In a few states, it expires after seven years.

Credit Complete 28.10.2020

Why is credit card debt consolidation a good thing? Carrying a large balance of credit card debt on several cards can become a vicious cycle. Instead of continuing to make separate payments on these cards, consider combining them into one loan through a credit card consolidation. Here’s a few reasons why consolidation might be beneficial for you:... There are multiple ways to do it: You don’t need to open another credit card and transfer balances to consolidate debt if you don’t want to. Among the options are personal loans, car title or lien loans and home equity lines of credit. All of these options generally provide a cheaper interest rate than credit cards. You’ll have one payment instead of multiple ones: Different credit cards means you likely have different interest rates, different due dates and different minimum payments. Simplifying the hassle by moving it all into one loan that you pay once per month. One interest rate one payment: Instead of paying different rates on different cards, a credit card consolidation will allow you to stick with one payment on a single loan.

Credit Complete 26.10.2020

Do you know what credit score is needed to buy a home or make another large purchase? Your credit score is a hugely important factor in determining your approval for financing! If buying a home is what you want to do in the near future, checking and improving your score should be at the top of your to-do list. The minimum credit score needed to purchase a home is not set in stone, and fluctuates with the economy. But as a generalization, the average credit score to buy ...a house is 600 or above. Can you buy a home with your current credit score? Do you need help financing? Credit Complete can help! Call us at (855) 336-5587 today!

Credit Complete 23.10.2020

Fraud alert or credit freeze which is right for you? Considering a fraud alert or credit freeze? In the aftermath of the Equifax data breach, many people are. You don’t need to be an identity theft victim to use them but it’s helpful to consider your situation. If you’re not sure which is best for you, here are some things to think about. What do fraud alerts and credit freezes do?... With a fraud alert, businesses must try to verify your identity before extending new credit. Usually that means calling to check if you’re at a particular store attempting to take out new credit. With a credit freeze, no one including you can access your credit report to open new accounts. You’ll get a PIN number to use each time you want to freeze and unfreeze your account to apply for new credit. How long do fraud alerts and credit freezes last? A fraud alert lasts for 90 days. You can renew it but you’ll need to remind yourself or it will expire automatically. Identity theft victims are entitled to an extended fraud alert, which last seven years. In almost all states, a credit freeze lasts until you temporarily lift or permanently remove it. In a few states, it expires after seven years.

Credit Complete 12.10.2020

When you check your credit score, you’ll probably want to know how you compare. What is a good credit score? Find out below The most commonly used credit scoring models have a range of 300 to 850. Each lender sets its own standards for what constitutes a good score. But, in general, scores fall along the following lines: Bad credit: 300 629 ... Fair credit, also known as average credit: 630 689 Good credit: 690 719 Excellent credit: 720 and up Even if your score is in the low 500s, you may still be able to get credit, but it will come with very high interest rates or with specific conditions, such as depositing money to get a secured credit card.

Credit Complete 05.10.2020

Do you know what credit score is needed to buy a home or make another large purchase? Your credit score is a hugely important factor in determining your approval for financing! If buying a home is what you want to do in the near future, checking and improving your score should be at the top of your to-do list. The minimum credit score needed to purchase a home is not set in stone, and fluctuates with the economy. But as a generalization, the average credit score to buy ...a house is 600 or above. Can you buy a home with your current credit score? Do you need help financing? Credit Complete can help! Call us at (855) 336-5587 today!

Credit Complete 25.09.2020

QUICK TIP for improving your credit score: Correct credit report mistakes! According to the Federal Trade Commission, an estimated 20% of credit reports contain errors. Do NOT let your credit report suffer because of an error - contact us at (855) 336-5587 for assistance!

Credit Complete 11.09.2020

How long do hard inquiries stay on your credit? There are two types of credit inquiries, hard and soft inquiries. A hard pull occurs when you fill out a loan or credit card application with a lender or credit issuer giving them permission to pull your report. A hard inquiry will stay on your credit report for 2 years. Hard inquiries affect your FICO score for 1 year. An inquiry will not drop your credit score more than 5 points. However, in many cases it will not cause your s...core to drop by more than a couple points. Types of hard inquiries: Car loan or lease application When applying for student loans Personal or business loan applications Mortgage loans Applying for a credit card

Credit Complete 02.09.2020

Four ways to rent with bad credit: 1Know your credit report: Yes, this is basic. But it's fundamentally important. You should periodically review your credit report to know what's on it. If there are errors on your report, you'll need to have them removed by disputing them. 2Look for rentals that don't check credit: The best way to get an apartment when you have bad credit is to find a landlord that doesn’t do credit checks. Typically, apartment complexes are owned by lar...ge property management companies that require a credit check on all applications. These types of apartments will most likely to turn you down if you have bad credit. 3Be prepared to explain: You can include explanations for negative items on your credit report, and landlords can review these explanations. You can also provide an explanation letter when you submit your rental application. 4Find a co-signer: Of course, many applicants enlist the help of a co-signer. Co-signers must have decent credit and agree to take responsibility for the lease in case the applicant fails to do so. Don't make this decision lightly. As Apartment Guide points out.

Credit Complete 23.08.2020

You are ready to tackle your bad credit and you want to increase your credit score so you just ordered your credit report. Awesome! But, if you are like most people, you have a hard time understanding what your credit report means let alone interpreting all of the information it contains. Here’s what you can expect to see on your credit report: 1. Your personal details, including current and past addresses, your Social Security number and work history.... 2. A list of your credit accounts, including balances, payment history and recent activity. 3. Public records linked to debts, such as bankruptcies, foreclosures or wage garnishments. 4. The number of times you’ve applied for new credit over the past two years.

Credit Complete 05.08.2020

When looking to improve your credit, make sure you choose a reputable credit repair company. Here is what to look for! Signed into law in 1996, the Credit Repair Organization Act (CROA) was partially in response to the use of illegal and deceptive practices by credit repair organizations. There are now clear guidelines that dictate what credit repair organizations must tell you and what they can and cannot do. The company should: ... 1. Provide you with a written contract that details the credit repair services offered. 2. Tell you the total cost of the services. 3. Never charge you before performing the service. 4. Give you at least three days to cancel without charge. 5. Not promise to get rid of negative credit information that is accurate and current. 6. Not guarantee an increase in your credit score. 7. Not ask you to forfeit your CROA rights.

Credit Complete 31.07.2020

The average American has $3,600 in credit card debt. Here are a few DO’S and DON’TS when it comes to credit repair. DO Establish credit. If you don’t have any credit cards, you might have to start with a secured card (a very limited balance or a pre-loaded balance that you borrow and repay). DON’T Close credit card accounts. If you already have a lot of accounts, keep them open and use them at least once every 90 days.... DO Get current. If you’re behind on payments, you need to make efforts to get back on track. DON’T Make too many credit inquiries. Each hard inquiry (where you’re trying to get a loan) will cost you 5-7 points.

Credit Complete 28.07.2020

Can't save money? These 4 tips say you can! 1 Monitor your accounts: You should check your bank, checking and credit card accounts as frequently as possible. Download your financial institutions' smartphone apps so you can get real-time updates. 2 Check your credit report: Obtain your free annual credit report from each of the three credit agencies, Experian, Equifax and Transunion.... 3 Lower your cable bill: According to Consumer Reports, cable bills have risen modestly over the past year while providers also have increased fees. If you're not on a promotional plan, you'll probably find that you're are paying more than you should, 4 Use coupons: Load digital coupons on your store cards and clip paper ones to save at the store. Take advantage of deals and stock up now on items you buy often so you don't have to pay full price later.

Credit Complete 26.07.2020

3 ways to manage your credit card debt 1 Defining the depth of your debt: Managing your credit card obligations begins with assessing how manageable, or not, they really are. While that sounds relatively simple, financial advisors often have a hard time assigning a specific figure or formula that defines punishing debt. 2 Be cautious of debt consolidators: Debt consolidation programs advertise that they help people address their debts. However, personal finance experts po...int out significant drawbacks to using these specialists. Consolidation programs do not always address the psychological roots of high credit card debt. 3 Avoid a debt relapse: After you pay off your credit cards, you need to take steps to avoid ending up with large debts again. Avoid a recurring problem by limiting the number of cards you carry.