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firstcapitalinquiry · 3 years

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#Covid Relief #Affected by Corona Virus #Affected by Covid-19

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firstcapitalinquiry · 5 years

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Contact Us for Credit Inquiry Removal | Hard Inquiry Removal | Credit Inquiry Removal Service

If you need any query regarding our services or need to Book a Appointment then Please give us a call 888-593-3247.

#credit inquiry removal #hard inquiry removal #credit inquiry removal service #credit repair credit repair services #best credit repair services #fix my credit #credit restoration #credit clean up

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firstcapitalinquiry · 5 years

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Simple Tips on How A Good Credit Repair Works

Credit Repair has become a necessity in our country today for those who have less than perfect credit. If you found yourself with a low credit score due to enduring financial hardships, and you are in need of credit repair, don’t feel bad because you are not alone.

Millions of hard-working Americans have found themselves in the same place as you, and they have had to turn to credit repair services to repair their credit. It is very important that you do what you can to repair your credit because a low credit score can become problematic and act as a stumbling block towards large purchases such as a home, or in some cases finding employment.

#Credit Repair #credit repair services #credit repair companies #Affordable credit repair services #Fix my credit #Best credit repair #Repair credit score #Credit repair specialist #Fast credit repair #Fix my credit score #Credit report repair #Credit repair near me #Bad credit repair #Credit repair companies near me #Credit repair attorney #Fix credit score fast #Credit report help

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firstcapitalinquiry · 5 years

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Eight things that may damage your credit score

What are the eight things that could damage your credit score?

When you first received your credit card, the last thing on your mind was probably having your credit score plummet. Bad things they say happen to good people. Damaged credit score is not a very impossible thing but this article will enable you understand the things that will help damage one’s credit score. They include:

Late Payments of bills and loans: Remember your credit history makes up thirty five percent of your typical credit score. Your payment record says a lot about how responsible you are with your credit card. So, paying your bills or loans late will definitely affect your credit score adversely. In determining a credit score, late payments focus on how recently a consumer has gotten into trouble; how frequently a consumer has made late payments and the severity of lateness (how many days late a consumer is in making his or her payments). All these will affect a consumer’s credit score adversely.

Defaulting on a loan: Defaulting on a loan simply means violating the terms and conditions of a loan and it comes with grave consequences. Such consequences include high interest rates and hidden fees which in turns will lower a consumer’s credit score.

Foreclosures: Bad things they say, happen to good people sometimes. Foreclosures are at an all time high nowadays. Homeowners are loosing their homes to foreclosure due to bad lending practices, natural disaster, death of a partner, job loss, sickness and many more. One of the consequences of foreclosure if that it brings one’s credit score down. A poor credit score is almost a curse these days, so every consumer should do everything he can to raise his or her credit score in order to obtain loans.

Account charge off: Another thing that could bring one’s credit score down is account charge offs.

Bankruptcy: Bankruptcy is considered the last option when in financial crisis. It damages one’s credit score and stays on a consumer’s file for 10 years.

Maxing out credit cards: Maxing out your credit cards will trouble lenders and consequently damage your credit score.

Maintaining too high of a credit card balance: The amount you owe (totalling all credit card accounts) constitute thirty percent of you typical credit score.

Closing your credit card accounts: Experts have adviced that old credit card accounts with less revolving debt should not be closed because closing them will mar your credit score.

Too many credit report inquiries: Having too many credit inquiries on your credit file could hurt your credit score.

Small debts (speeding ticket, library fine, etc.): These small debts are sometimes reported to the credit bureaus by the respective agencies and this may damage your credit score.

Understanding how and why those things hurt your credit score can help you prevent them from ever happening. Avoiding these common credit pitfalls will go a long way to keeping your credit score at a good number.

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firstcapitalinquiry · 5 years

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Eight things that may damage your credit score

What are the eight things that could damage your credit score?

When you first received your credit card, the last thing on your mind was probably having your credit score plummet. Bad things they say happen to good people. Damaged credit score is not a very impossible thing but this article will enable you understand the things that will help damage one’s credit score. They include:

Late Payments of bills and loans: Remember your credit history makes up thirty five percent of your typical credit score. Your payment record says a lot about how responsible you are with your credit card. So, paying your bills or loans late will definitely affect your credit score adversely. In determining a credit score, late payments focus on how recently a consumer has gotten into trouble; how frequently a consumer has made late payments and the severity of lateness (how many days late a consumer is in making his or her payments). All these will affect a consumer’s credit score adversely.

Defaulting on a loan: Defaulting on a loan simply means violating the terms and conditions of a loan and it comes with grave consequences. Such consequences include high interest rates and hidden fees which in turns will lower a consumer’s credit score.

Foreclosures: Bad things they say, happen to good people sometimes. Foreclosures are at an all time high nowadays. Homeowners are loosing their homes to foreclosure due to bad lending practices, natural disaster, death of a partner, job loss, sickness and many more. One of the consequences of foreclosure if that it brings one’s credit score down. Poor credit score is almost a curse these days, so every consumer should do everything he can to raise his or her credit score in order to obtain loans.

Account charge off: Another thing that could bring one’s credit score down is account charge offs.

Bankruptcy: Bankruptcy is considered the last option when in financial crisis. It damages one’s credit score and stays on a consumer’s file for 10 years. Maxing out credit cards: Maxing out your credit cards will trouble lenders and consequently damage your credit score.

Maintaining too high of a credit card balance: The amount you owe (totalling all credit card accounts) constitute thirty percent of you typical credit score.

Closing your credit card accounts: Experts have adviced that old credit card accounts with less revolving debt should not be closed because closing them will mar your credit score.

Too many credit report inquiries: Having too many credit inquiries on your credit file could hurt your credit score. Small debts (speeding ticket, library fine, etc.): These small debts are sometimes reported to the credit bureaus by the respective agencies and this may damage your credit score.

Understanding how and why those things hurt your credit score can help you prevent them from ever happening. Avoiding these common credit pitfalls will go a long way to keeping your credit score at a good number.

#credit repair #credit repair services #best credit repair services #repair credit score #credit clean up #best credit repair #fast credit repair #fix my credit #credit report help #credit report repair #fix credit score fast

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firstcapitalinquiry · 5 years

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3 Best Ways To Repair Your Credit

Most people have no idea why they are behind in payments or how their credit got so messed up and that is why this is one of the most important steps in determining the next course of action. If you fell behind in payments for any reason and as long as you know what that reasons were then these next 3 ways will really help you repair your credit quickly.

#Credit Repair #credit repair services #credit repair companies #Affordable credit repair services #Fix my credit #Best credit repair #Repair credit score #Credit repair specialist #Fast credit repair #Fix my credit score #Credit report repair #Credit repair near me #Bad credit repair #Credit repair companies near me #Credit repair attorney #Fix credit score fast #credit report help

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firstcapitalinquiry · 5 years

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What is a FICO score?

If you’ve been dealing with repairing your credit, you already know the answer to this. If you’re new to this, here’s the answer. It’s a 3 digit number developed by the Fair Isaac Corporation in the 1980’s. Before this number came into being, your credit information was reported haphazardly by the credit bureaus. This 3 digit number can range from 300 to 850, obviously the higher the better. The Fair Isaac Corporation developed this number in response to the Fair Credit Reporting Act of 1971, sort of. They look at all your credit history and spit out a number that determines if you can get a loan, if you can get insurance, if you can get a job, if you can buy a car or house and if you can get a good interest rate. It’s a pretty important number so let’s see how it’s calculated.

Roughly, here’s how the credit bureaus determine your FICO score:

35% — punctuality of payment in the past (only includes payments later than 30 days past due) 30% — the amount of debt you have. It’s a ratio of your current revolving debt to the total available revolving credit. 15% — length of credit history 10% — types of credit used (installment, revolving, consumer finance) 10% — amount of new credit or amount of credit recently search for

So why does each credit bureau have a different number for you. Because not all of your credit is reported to each bureau. Each credit report from Equifax, TranUnion and Experian will look different. Sometimes good credit doesn’t appear on all of them and sometimes bad credit doesn’t appear on all of them. That’s why you’ll hear loan officers talk about your middle score. They will pull all 3 numbers and use the one in the middle as your credit score. So you must be aware of what your score is and what is on your report. Otherwise you might be in for some nasty surprises the next time you apply for that credit car or more importantly for that car loan, student loan or mortgage.

#credit inquiry removal #hard inquiry removal #credit inquiry removal service #best credit repair #fast credit repair #fix my credit #credit report help #credit report repair #fix credit score fast #credit repair attorney

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firstcapitalinquiry · 5 years

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CFPB Sues CashCall for Illegal Online Loan Servicing

Today the Consumer Financial Protection Bureau (CFPB) took its first action against an online loan servicer, CashCall Inc., its owner, its subsidiary, and its affiliate, for collecting money consumers did not owe. The CFPB alleges that the defendants engaged in unfair, deceptive, and abusive practices, including illegally debiting consumer checking accounts for loans that were void.

“Today we are taking action against CashCall for collecting money it had no right to take from consumers,” said CFPB Director Richard Cordray. “Online lending is rapidly growing and deserves ample regulatory attention. The Consumer Financial Protection Bureau will take action against online lenders and servicers that engage in unfair, deceptive, or abusive practices.”

California-based CashCall, its subsidiary, WS Funding LLC, and its affiliate, Delbert Services Corporation, a Nevada collection agency, are all under the common ownership of J. Paul Reddam. The Bureau’s investigation discovered that beginning in late 2009, CashCall and WS Funding entered into an arrangement with Western Sky Financial, a South Dakota-based online lender. Western Sky Financial asserted state laws did not apply to its business because it was based on an Indian reservation and owned by a member of the Cheyenne River Sioux Tribe. But this relationship with a tribe does not exempt Western Sky from having to comply with state laws when it makes loans over the Internet to consumers in various states.

#credit inquiry removal #hard inquiry removal #credit inquiry removal service #best credit repair #fast credit repair #fix my credit #credit report help #credit report repair #fix credit score fast #credit repair attorney

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firstcapitalinquiry · 5 years

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Repairing Your Credit Score Is Easier Than You Think

Everyone in the world is afraid of one thing, getting their identity stolen and having that ruin their credit, right? Well this brings up a great question.

Why if everyone is afraid of getting their identity stolen for the purpose of keeping a great credit score do they end up ruining

their credit on their own?

I never understood why people would spend hours ripping up and shredding personal documents just to ruin their credit on their own, and I guess I never will. For those of you who have had the bad luck or getting your identity stolen or just ruined yourcredit score on your own I want to help you out and give you a couple methods that will get your credit score back on track.

The first thing you must do in order to get your credit score back on track is to get rid of anything that is hindering this from happening. Some of the things that hinder this from happening are too many credit cards, not carrying cash with you at all times, and most importantly living beyond your means.

What is living beyond your means?

Living beyond your means is just another way to say somebody is using credit way too much. If you can't afford something at the

time you buy it then you shouldn't have it in the first place. For instance when a person buys a television on credit because they don't have enough cash then this is living beyond or means. Another example would be a family taking a trip on credit and when they get home figure out that they really couldn't afford it. Living beyond your means is a bad thing and if you are doing this you must stop now.

Repairing your credit is easier than you think for one reason, lenders are tight on money and they will do anything to get money from you. If you have lenders who you owe money to then you must call them and ask if they will help you out in order for you to pay a balance off. Most creditors will ask what you have in mind and just tell them that you will pay off the full balance of the account in 3 months if they stop tacking on interest for the three months and for the past 3 months. What this will do is most likely lower your balance and makes it easier for you to pay off.

This method is very simple and being that I have done it a few times before and others I have shown have done it as well, I know that it works almost every time. Don't be too afraid to call your creditors and throw out deals like this, your creditors won't ever do this so somebody has to start. If you do this with just one of your accounts I bet you will be much better off than you are right now and just think if you did it will all of your accounts, you would really be living a dream then.

#credit inquiry removal #hard inquiry removal #credit inquiry removal service #best credit repair #fast credit repair #fix my credit #credit report help #credit report repair #fix credit score fast #credit repair attorney

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firstcapitalinquiry · 5 years

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Inquiry Removal - Hard Inquiry Removal | Credit Repair Specialist | Credit Repair Attorney

We know what works and deliver results when it comes to removing inquiries. Our Inquiry Removal Service will assist you with removing unauthorized hard inquiries from your credit reports

#credit inquiry removal #hard inquiry removal #credit inquiry removal service #best credit repair #fast credit repair #fix my credit #credit report help #credit report repair #fix credit score fast #credit repair attorney

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firstcapitalinquiry · 5 years

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Ways To Increase Your Credit Score Quickly

When it comes to peoples credit scores the number one question everybody has is how can they increase their credit score quickly and that is understandable. For most people they don't understand that building a high credit score takes time and because of that they spend too much time worrying about what they can do to increase it.

My first piece of advice to you if you think you can increase your credit score quickly is that it is possible but there are a few things that have to fall into place for this to happen.

1. Have decent credit history

2. Make payments on time

3. Have a relationship with your creditors

If these three things describe you then these next 4 methods will help you increase your credit score almost instantly, just remember that the most important part of this entire process is that you have a decent credit history and you make your payments on time because if these don't apply to you then your creditor will most likely turn you down for a couple of these methods. Increase your credit limit

Most people have never even though of this as a way to increase their credit score and that is a shave because this works very quick and can increase your credit score quite a bit. This is also the easiest way out of the 4 to increase your credit score.

The reason increasing your credit limits can increase your credit score is because when you increase your credit limit you also lower your debt to credit ratio and it is a known fact that lowering your debt to credit ratio is one of the ways your credit score is determined. Since nobody really knows how a credit score is determined we have to act on studies and studies show that this is one of the best ways to increase your credit score instantly. Open another account

I know you have been told that opening another account will just decrease your credit score and that is somewhat true according to Financial Freedom Unleashed. If you open another account that only has a limit of $200-$300 then, "Yes" it will hurt your credit report. In order to get the best benefit of opening another account you want to get the highest limit as possible, I wouldn't do anything under $600.

The trick to opening another account is not to go someplace new, but to use a creditor that you already have a relationship with. For instance if you have an American Express credit card and you have been a great user then they would be the best ones to get another credit card with. The nice part about doing this is you don't have to wait too long to get the credit card amount approved because you should already have a representative assigned to you. I love this method because most lenders want to get more cards out there and this is one way to do it.

I know I told you 4 methods and that is exactly what I am going to give you. The next 2 methods are in part 2 of the Ways To Increase Your Credit Score Quickly.

#credit repair #credit repair services #best credit repair services #repair credit score #credit clean up #best credit repair #fast credit repair #fix my credit #credit report help #credit report repair #fix credit score fast

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firstcapitalinquiry · 5 years

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Credit tips

1. PAY YOUR BILLS ON TIME. This is the most important thing you can do to maintain an excellent credit report. If you can't afford to pay the entire balance on your credit cards, pay the minimum amount due.

2. If you are falling behind, arrange for an alternative payment schedule. Be direct and take control. Call the person you owe, explain that you need a little extra time to pay your debt. Set up a payment schedule. Almost all creditors will agree to a monthly payment plan. Make sure that it fits your budget and that you can keep on top of the payments. Even if the amount you are paying each month is very small, you will keep you credit record in good standing.

3. Research your credit history. Obtain a copy of your report from the credit bureaus. Order a report from Equifax, Experian and Trans Union. Look for mistakes on your reports. Mistakes can be fixed. Report mistakes to the credit bureau which issued the report. Credit bureaus must confirm the existence of the information in question.

If it can not be confirmed, the Fair Credit Reporting Act requires the removal of the information in question.

If it can be confirmed and you disagree with the findings, write an explanation (100 words or less) explaining your side of the story. Your explanation will become a part of your credit report and can help you get approved for credit.

4. For more information, send email to firstcapitalinquiryremoval.com/contact-us.

5. Bad credit reports can be fixed legally. First Capital Inquiry Removal. can help you restore your credit.

6. Don't forget. Start paying your bills on time today. Improvements in your credit history can help you get credit too.

#credit repair #credit repair services #best credit repair services #repair credit score #credit clean up #best credit repair #fast credit repair #fix my credit #credit report help #credit report repair #fix credit score fast

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firstcapitalinquiry · 5 years

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Credit Repair

Brief Synopsis Bureau disputes are the most common form of credit repair. Bureau disputes consist of finding and reporting questions of accuracy and verifiability. Disputes are done through dispute letters. Disputes with Credit Bureaus: Full Explanation Disputing with credit bureaus is the most common form of credit repair. Many companies out there offer ONLY this form of credit repair (to some degree). Federal Law provides every consumer the right to “dispute” or “challenge” any item on their credit report for accuracy and verifiability. Every good credit repair starts with a dispute of all inaccurate or unverifiable negative information with the three main credit bureaus: Trans Union, Experian, & Equifax. First let’s examine what exactly is “inaccurate” information

#credit repair #credit report repair #fix credit score fast

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firstcapitalinquiry · 5 years

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Credit Repair - Credit Repair Services | Credit Clean Up | Fast Credit Repair

First Capital Inquiry will get you all the keys to succeed. As our advanced Credit repair Package will get you back on track with your credit and get you out of debt and have those collections call stopped in their tracks.

#credit repair #credit repair services #best credit repair services #repair credit score #credit clean up #best credit repair #fast credit repair #fix my credit #credit report help #credit report repair #fix credit score fast

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firstcapitalinquiry · 5 years

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About US - Credit Inquiry Removal | Credit Restoration | Credit Repair | Credit Report Help

About US - Credit Inquiry Removal | Credit Restoration | Credit Repair | Credit Report Help | First Capital Inquiry Removal was founded in 2010 to help people with credit challenges raise their credit score and improve their credit reports. FCIR has been the premiere choice for affordable and trusted credit repair services.

#credit inquiry removal #hard inquiry removal #credit inquiry removal service #credit repair #credit repair services #best credit repair services #fix my credit #credit restoration #credit clean up

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firstcapitalinquiry · 5 years

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First Capital Inquiry Removal

Don’t let your credit stop you from getting the house of your dreams. First Capital Inquiry Removal help you by Removing Inquiries from Your Report, So that you can easily improve your Credit score Today.

#credit inquiry removal #hard inquiry removal #credit inquiry removal service #credit repair services #best credit repair services #fix my credit

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