Credit Repair by YourBlueprint

Does Students Loan Affect Credit? Some 44 million Americans have around $1.5 trillion in student loan debt. What does all that debt do to the credit of those 44 million Americans? Do student loans even affect credit? Debt aside, there is an upside to having a student loan beyond the obvious of paying for college. Student loans can be good for young consumers’ credit scores. Student loans help consumers qualify for other lines of credit later on. On the flip side, not paying y...Continue reading

Authorized Users An authorized user is someone you trust to spend on your credit card who can piggyback on your credit to build or restore his or her credit history. The authorized user can access credit without applying for a card, and your on-time payment history will show up on the user's credit report, as long as the card reports to credit bureaus. This can help someone build or restore credit only if a card is used responsibly. An authorized user has permission to make p...urchases on someone else's credit card but is not liable for card payments. Typically, authorized users on personal credit cards are family members or trusted friends. Legally, authorized user status has no minimum age requirement, but banks may set their own policies, according to Chase. Authorized users usually pay for their card purchases, and payment arrangements are made between cardholders and authorized users. The authorized user is considered a secondary cardholder with access to an account but no ownership. The Risks and Rewards of Becoming an Authorized User If a cardholder has excellent credit and uses a card responsibly, becoming an authorized user on the account could give you a jump-start on building credit without having to apply for your own card. But you will need to confirm that the card issuer reports authorized user activity to credit bureaus. If the issuer does not, then card activity will have no effect on your credit. The account holder and the authorized user must use the card wisely. If either one of you misses payments or racks up a lot of debt on the card, both of your credit scores can be damaged. Ask someone you trust to add you as an authorized user. An authorized user will benefit most, according to Experian, from an account that: - Has been open for a long time. - Has a spotless payment history. - Has a low credit utilization ratio, preferably below 30%. If the cardholder is making mistakes that are damaging your credit, you can either ask the person to remove you as an authorized user or call the card issuer and request this change. Your score may drop a bit when you are removed as an authorized user, but you can improve it over time by using your own credit accounts responsibly. If you have no one to add you as an authorized user, we got you! Set up a free over the phone consultation using the link below and ask about our tradeline services. https://calendly.com/yourblueprint

Come one, come all! Join us live on Thursday July 29th,2021 at The Resort in Rancho Cucamonga for Happy Hour and Head Shots from 6pm to 9pm. There will be raffle prices, networking and much more!!! . . . .... . #realestate #realtor #mortgage #aliciamayoralrealtor #sponsor #housingmarket #creditrepair #creditexpert #happyhour #headshots #networking #networkmarketing #network #client #raffle #fun #theresort #inlandempire #ranchocucamonga See more

Your Blueprint Celebrates pride it’s finally Pride Month! After a year of being cooped up indoors, this is for sure going to be a pride to remember. Pride gatherings are rooted in the arduous history of minority groups who have struggled for decades to overcome prejudice and be accepted for who they are. It’s always good to wear your gender and sexuality as loud and as proud as you want to. Besides the colorful sea of happy people, pride is also a great time for the LGBTQ ... community to unite, come together and feel at home. Some people don’t get the opportunity to live their lives as open as they can during the pride parade, and that’s what makes this month meaningful to us and so many people. . . . . . #bornperfect #pride #lgbtq #equality #accelerateacceptance #pride2021 #pridemonth #lgbtowned #girlswholikegirls #girlboss See more

Let’s talk about corporate credit with the credit expert

VIP Auto Club did it again! Congratulations Henry Ramirez and family, first brad new car! When credit talks great deals come to you! $$ Thank you to our partner David Saad for making this transaction so smooth! **********Luz Corral ****** Alicia Mayoral *******... Bad Credit? Why wait call us Today 909-303-9100

Another VIP Auto Club member Congratulations Leticia Garcia on your 2020 Toyota Corolla, first time buyer with 0% for 60 months! If you are looking to buying selling and or trading in your older car for a newer one contact us 909-303-9100

TOGETHER is our favorite place to be We have been working with this family for over a year & it has been an honor to be a part of their journey. #pathtohomeownership #mydrivewilltakeyouhome #aliciamayoral #helpingfamalies #teamwork #creditrepairservices #shortsalespecialist #northfontanarealestate #rialtorealestate #ranchocucamongarealestate #claremontrealestate #agentedebienesraicesenespañol

Don’t miss out tomorrow 6/24 at 7pm @davidsaad_legacygroup_2017 and @lapresidenta will be talking about buying cars and credit while enjoying an amazing cocktail live on IG at @takingovertheworldinheels and @your_blueprint see you tomorrow ! #financialfreedom #financialadvisor #investinyourself #creditrepairservices #creditrepair #studentloanforgiveness #studentloansremoved #studentloanconsolidation #realestateinvestors #yourfuture #financialblueprint #money #savemoney #luxuryrealestate #thecreditexpert #therealestateexpert #buildwealth #createwealth #collaboration #designyourlife #corporatecredit #savingsplan #establishcredit #reparaciondecredito #compradecasa #ventadecasa

Here at @newageagency we are so grateful for all of your continued support so we have created a way to thank you! We have created a $1000 raffle. 1 raffle ticket for every quote you send us including your own ! #raffle # #MadeWithRipl via ripl.com

Tomorrow zoom with us @11am link on bio! Let’s learn more about credit with @christianfuentesrtp and @_jeannettefuentes #blueprint #creditrepair #remaxtopproducers #zoomcall #live #knowledgeispower

Dropping off closing gifts to this amazing couple and fur baby Grayson. So happy to be part of such an exciting and special experience. CONGRATULATIONS Realtor @takingovertheworldinheels #financialfreedom #financialadvisor #investinyourself #creditrepairservices #creditrepair #studentloanforgiveness #studentloansremoved #studentloanconsolidation #realestateinvestors #yourfuture #financialblueprint #money #savemoney #luxuryrealestate #thecreditexpert #therealestateexpert #buildwealth #createwealth #collaboration #designyourlife #corporatecredit #savingsplan #establishcredit #reparaciondecredito #compradecasa #ventadecasa

Talking about Covid and Credit- Corporate Credit and how wokingnwith the credit Expert can help you close more deals.

Don’t miss out Thursday 6/11 at 1pm. Marlena Delarosa Muster & Luz Corral