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25-Years Old Entrepreneur Ericka Mcintosh Is Helping People Attain Financial Freedom Through her Successful Credit Repair Company, The Millionaire Table

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Orlando, Florida, Dec. 09, 2020 (GLOBE NEWSWIRE) — In today’s highly capitalized world environment, being financially literate is the key to leading a secure and happy life. However, people often fall prey to low credit scores, thus leading to higher interest on credit cards, home loans, car loans and more. Credit scores might trickle down due to a variety of reasons, but one can always recover from such setbacks by undergoing a thorough credit repair process. Orlando-based Professional services company, The Millionaire Table is working on this front to help people repair their credit and regain financial freedom. 

About The Millionaire Table

The Millionaire Table is an Orlando-based professional services company that helps people restore their credit through an innovative range of solutions. It enables people to repair their credit and develop a healthy financial portfolio. Not only does the results of credit repair provide a fresh start, but having good credit also helps to secure home loans, car loans and more, without having to pay hefty interest rates. 

Beyond enabling people with the credit repair services, The Millionaire Table also provides credible guidance to its clients regarding financial literacy and credit score maintenance lessons. 

As a part of its offerings, The Millionaire Table provides Credit Building Consultation services and Credit Score Analysis services. A team of well-trained, credible and experienced professionals provide these services with the ulterior objective of helping people to secure their financial future. 

“After using our services clients go on to buying homes, new cars, and so much more. They even get approved for high limit credit cards, personal loans and leverage their credit to launch/invest in businesses. At times we surprise our clients and pop up at their closings with our big key.” – The Millionaire Table

Credit-related issues can be extremely tricky. However, The Millionaire Table handles client issues with a personalized approach. It adopts a customized strategy for each client and claims to deliver results within 30-45 days. 

The Brain Behind TMT

Ericka Mcintosh a.k.a Star started The Millionaire Table (TMT) when she was 24 years old while working full time as a state certified correctional officer at a local prison in Orlando, FL. Interestingly, her personal journey led her to start this venture.  (Star)Ericka became fascinated about helping other people repair their credit only after she went through the process herself at a personal level. Within a span of 8 months, she refinanced her car, bought a new home, and was approved for high limit credit cards, among other accomplishments. Soon after, she channelized these victories towards a goal of helping others regain their financial freedom. 

Talking about her personal journey, Ericka commented, “I’ve always loved helping people and always felt I could change the world or make a big impact on people’s lives. My goal is to uplift, encourage and motivate others. My passion grew strong in my workplace. I taught  inmates to reach for the stars and be better than their circumstances. I taught them to embrace their situation and make the best out of it. I believed in leading by example and took that leap of faith that I preached so much about when I resigned. It has been one of the most rewarding experiences to be able to continue to transform lives from inside and now outside  the prison gates.”

With tons of life experience and an innate passion for helping others, Ericka is now working full time on TMT, with the sole objective of bringing about some meaningful change in other’s lives.

Follow Star  Ericka on Instagram: https://www.instagram.com/_stardamodel/?hl=en

Follow The Millionaire Table Instagram:https://www.instagram.com/themillionairetable/

Media Contact Details:

Company Name: The Millionaire Table
Company Email: [email protected]
Company Website: https://www.themillionairetable.com/



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Global Credit Repair Services Market 2021

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Credit Repair Services

The worldwide Credit Repair Services market 2021 study is a comprehensive document that supports and facilitates the assessment of all aspects of the Credit Repair Services market. It provides a picture of the Credit Repair Services market’s foundation and framework, as well as the market’s positive and restrictive factors for global and regional growth. It examines numerous producers, syndicates, organisations, suppliers, and industries in the Credit Repair Services industry to determine the present state of the market.

In addition, the worldwide Credit Repair Services market 2021 research includes valuable data on segmentation, distribution networks, projected growth patterns, monetary and commercial terms, and a slew of other key aspects pertaining to the Credit Repair Services market. The research also contains detailed information on the two most important Credit Repair Services market segments: {Collections, Late Payments, Charge Offs, Liens, Bankruptcies, Judgments, Repossessions, Foreclosures, Others} and {Private, Enterprise}.

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Furthermore, the study provides crucial information about the major Credit Repair Services market competitors who compete on a local and global scale. The following is a list of significant participants, as well as developing players, in terms of production sales, procurement, earnings, and after-sales services: Lexington Law, USA Credit Repair, MyCreditGroup, Veracity Credit Consultants, MSI Credit Solutions, CreditRepair.com, Better Credit Service, The Credit People, The Credit Pros, Ovation, TransUnion, Sky Blue Credit Repair

By segmenting the worldwide Credit Repair Services market, the global market research paper systematically describes the market evolution trend. Key elements on which market growth is expressly reliant are one of the most essential aspects addressed by the researchers in the Credit Repair Services market analysis. The factors affecting market actors vary by region, resulting in the study being segmented into several sectors.

The following aspects are given with full analysis from the Credit Repair Services market research reports:

Production Analysis – The beginning of this Credit Repair Services is examined based on the most important countries, types, and applications. The pricing analysis of various Credit Repair Services market main players will be completely covered in this study.

Profit and Sales Analysis – Earnings and sales for key components of the international Credit Repair Services market are validated. Another important factor, price, which has a significant impact on sales growth, can be evaluated in this section for many regions.

Segments and Benefits — Continuing with the profits theme, this paper examines the design and ingestion of its Credit Repair Services market. The differences between usage and supply, export and import data are also highlighted in this research.

Many global Credit Repair Services industry – leading players have been evaluated in this area based on their company profile, product portfolio, ability, pricing, cost, and revenue.

Other Analysis – In addition to the foregoing data, demand, and supply analysis for the Credit Repair Services economy, contact information for significant producers, suppliers, and consumers can be assigned.

Impact Analysis of COVID-19:

The impact of COVID on market growth and development is well illustrated in this research for a better understanding of the Credit Repair Services market based on financial and industrial analyses. The COVID-19 pandemic has impacted a variety of markets, including the worldwide Credit Repair Services market. The dominant companies in the worldwide Credit Repair Services market, on the other hand, are adamant about adopting new tactics and seeking new finance resources in order to overcome the rising barriers to market expansion.

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Report’s Purpose:

– The global Credit Repair Services market is highlighted in this study, with a focus on North America, South America, Africa, Europe, Asia-Pacific, and the Middle East. The market is segmented by producers, regions, type, and application in this report.

– According to the latest research, the international market for Credit Repair Services is predicted to grow at a CAGR of about Value in Percent percent over the next five years, from Value in Dollars million US$ in 2018 to Value in Dollars million US$ in 2028.

– Credit Repair Services will be in high demand in the near future, while the price may fluctuate due to constantly changing raw material and other resource availability.

The following is a list of the contents of the Credit Repair Services Market Report:

Chapter 1: The first section of the report introduces the market by providing definitions, taxonomies, and research scope.

Chapter 2: It includes an executive summary of the Credit Repair Services market, as well as significant findings by major segments and leading players’ top tactics.

Chapter 3: This chapter provides a comprehensive overview of the Credit Repair Services market, as well as market aspects such as Drivers, Restrictions, Opportunities, and Challenges. In addition, the section summarises the findings of various types of analyses, such as PESTLE analysis, Opportunity Map Analysis, Porter’s Five Forces Analysis, Market Competition Scenario Analysis, Product Life Cycle Analysis, Opportunity Orbits, Production Analysis by Region/Company, and Industry Chain Analysis. Last but not least, the segment effectively illuminates Marketing Strategy.

Chapters 4, 5, and 6 : Credit Repair Services Value & Volume ((US$ Mn & ‘000 Units)), Share ( percent ), and Growth Rate ( percent ) Comparison by Type, Application, and Region (2021-2028).

Chapter 7: focuses on the market’s competitive landscape, market share analysis, and leading company profiles.

Chapter 8: In this section, we’ve included a variety of research procedures and approaches that were utilised in the study.

Inquire To Know Additional List of Market Players Included, Request Here:: https://www.marketresearchstore.com/inquiry/credit-repair-services-market-786765

About Us

Market Research Store is a single destination for all types of industries, global, and regional reports. We feature large repository of latest industry reports and market statistics published by reputed private publishers and public organizations.Market Research Store is the comprehensive collection of market intelligence products and services available. Our vast database of reports enables our clients to benefit from expert insights on global industries, products, and market trends.

Our Research Specialists have thorough knowledge about offerings from different publishers and different reports on respective industries. Our enabled team will help you refine search parameters and get desired results at your fingertips. Apart from the published market research reports, we also provide customized study on any topic to meet the varied and niche requirements of our clients. Whether you are looking for new product trends, competitive analysis or study on existing or emerging markets, Market Research Store has best offerings and expertise to get the critical information for you. You can also choose the option to purchase full reports or sections from the report to match your specific requirements.

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Do Auto Lenders Look at Your Other Debts?

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Yes, auto lenders do care about your other debts and obligations. They factor it into your debt to income ratio, which has a say in whether or not you have enough income to repay a loan and vehicle expenses in tandem with your other monthly debt payments.

What Kind of Debt Do Auto Lenders Consider?

When you apply for a car loan, the lender takes a look at your situation, income, and credit reports. Most bad credit auto lenders require that you have around $1,500 to $2,500 of monthly income (before taxes), but their credit score requirements can vary.

Something that all lenders require is that you have enough income to repay the car loan while still keeping up with your other monthly payments. Your debt to income (DTI) ratio is a calculation that shows lenders how much of your income is being used by the bills you pay. Your monthly gross income is divided by your monthly debt payments. If less than 45% to 50% of your monthly income is going to be taken up with your projected car payment and other debts, then you’re on the right track to get approved for a car loan, income-wise.

Debts and monthly bills that auto lenders typically consider include:

  • Rent or mortgage paymentsDo Auto Lenders Look at Your Other Debts?
  • Insurance premiums
  • Active auto loans
  • Credit card minimum monthly payments
  • Student debt payments
  • Alimony or child support payments

Utilities, on the other hand, aren’t included. So things like groceries, electric bill, and water bill aren’t added to your DTI ratio calculation.

Does the Number of Debts Matter?

How many active credit lines you have doesn’t typically matter as much to your DTI ratio, since the amount you have to pay each month is what’s factored in. Say you have five credit cards, but their balances are all very low. This could be seen as you successfully managing multiple credit lines and bode well for you.

In fact, having multiple active credit lines is good for your credit score, as long as they’re being managed and you can comfortably afford them all.

However, if you have high balances on your other monthly obligations and high monthly payments, it could push your DTI ratio out of balance.

Lowering Your DTI Ratio

If you already have a lot of monthly payments and are worried about meeting an auto lender’s requirements, then here are some tips.

  • Pay down your credit cards before applying – If you have high credit card debt, try paying it down as much as possible. Not only does having revolving credit accounts with balances higher than 30% of their spending limits harm your credit score, but paying down your balances proves you can handle credit. If your credit cards have a zero balance, then you don’t have a minimum payment to make each month – which improves your DTI ratio!
  • Have additional income? Include it – While most auto lenders only accept one source of income to meet income requirements, additional income from other jobs or unearned income, such as Social Security, can typically be used to lower your DTI ratio. Include all of your income sources on a car loan application.
  • Consider a co-borrower – If you have a spouse or life partner, you may be able to include them in the auto loan application as a co-borrower. Co-borrowers combine their incomes to meet income requirements and share responsibility for the auto loan and vehicle together.

Having too much debt you have to pay each month can influence your approval odds for a car loan. Paying down your monthly obligations is one of the better ways to improve your DTI ratio, or adding other income to the auto loan application.

Looking for Car Loan Connections?

While having enough income and a low enough DTI ratio are all great, your credit score matters, too. If your credit score isn’t high enough, it could mean getting turned down for vehicle financing despite having a solid financial situation.

But you may not be out of luck just yet.

Here at Auto Credit Express, we’ve created a coast-to-coast network of special finance dealerships that assist borrowers with credit challenges. We’ll look for a dealer in your local area after you complete our free auto loan request form. Don’t let your credit get in the way of your next car loan, and get started with us today!

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Does Your Credit Need Repairing?

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Presented by Mike Zirbel

Many people had their financial plans derailed in 2020. You or a spouse may have lost a job or been hit with unexpected expenses for medical care, assisting family members, or other reasons. Financial stress may have forced you to make tough choices, such as deciding which bills to pay, scaling back on your savings, or borrowing from a 401(k) account. As a result, you may need to get back on track financially. One of the first areas to tackle should be your credit score.

Even if your finances didn’t take a hit during the pandemic, it’s wise to keep track of your credit score. A strong credit score forms the basis of a solid financial foundation. It affects· your ability to get a job; your access to loans for a car, house, or education; and your ability to qualify for various types of insurance. Can you repair or upgrade your credit score? Yes, but the first step is to understand what your credit score and credit report are based on, as well as how to monitor your credit.

Understanding Your Credit Score
Here’s what you need to know about your credit score:

Your FICO score. The FICO score, based on a model created by Fair Isaac Corporation, is the most commonly used scoring system of a person’s credit history. Lenders use these scores to evaluate your creditworthiness, which means the probability that you will repay credit cards and loans in a timely manner. A lower FICO score can result in higher interest rates for credit or loans, as well as shorter repayment terms, a requirement for a cosigner, or even outright denial of a loan.

FICO scores range from 300 to 850. Generally, scores greater than 800 are considered excellent, while scores below 640 are considered below average, or subprime. Most lenders use the average score of the three most well-known reporting agencies (Experian, TransUnion, and Equifax).

Your FICO credit score is based on five factors:

  1. Payment history (35 percent)
  2. Total amount owed compared with available credit, known as credit utilization (30 percent)
  3. Length of credit history (15 percent)
  4. Types of credit used (10 percent)
  5. New credit cards or loans opened and credit inquiries (10 percent)

Alternative credit scores. Besides FICO, these recently adopted sources provide alternative credit scores:

  • Vantage provides a single score based on the three major reporting agencies but differs from FICO in that it gives varying levels of importance to different parts of your credit report. Most websites that offer free credit scores, such as Credit Karma, use the VantageScore.
  • UltraFICO, which is used only by Experian, lets consumers enhance their credit score by linking with their checking, savings, or money market accounts.
  • Experian Boost helps consumers improve their FICO score by giving them credit for on-time phone and utility payments. Experian Boost is offered only through Experian.

UltraFICO and Experian Boost are intended primarily for consumers with subprime credit scores, as well as people without enough usage to receive a score. These services are especially helpful to those with borderline credit scores.

Understanding Your Credit Report
Once you know your credit score, you’ll also want to know what went into that three-digit figure – which you can find out by reviewing your credit report.

Credit reports contain a comprehensive record of your credit history, including personal information, account information, and whether you have paid your bills on time. Your credit report also contains information on any accounts that have been sent to a collections agent and whether you’ve filed for bankruptcy or received a bankruptcy discharge.

Checking Your Credit Report
With so much of your financial life based on your credit report, accuracy is important. Unfortunately, the Federal Trade Commission (FTC) estimates one in five consumers has at least one error on their report. That’s why it’s so important to make checking your credit report a habit. There are several ways to do so:

  • Go to AnnualCreditReport.com. Everyone has the right to a free report from each of the three major credit reporting agencies each year.
  • Go to lnnovis, another reporting agency that provides free credit reports. Although your free report will not include a credit score, it’s wise to verify information from this source because companies may use it to check your credit history.
  • Go to Credit Karma, NerdWallet, and Bankrate for free access to one or two of the major credit reports, as well as additional services such as credit monitoring and free credit scores.
  • Check out organizations such as Life Lock and Identity Guard which, for a fee, provide enhanced credit monitoring and identity theft protection.

Freezing Your Credit
Since 2013, consumers have been able to freeze their credit files free of charge. A credit freeze imposes restricted access to credit reports, making it more difficult for identity thieves to open accounts in someone else’s name. During a freeze, you can still access your credit history and open new accounts­ though you’ll have to temporarily lift the freeze to do so.

A freeze won’t affect your credit score. But you should be aware that a freeze cannot prevent someone else from making charges to your existing accounts. So, even if you have a credit freeze in place, be sure to keep monitoring your current accounts.

Repairing Your Credit: 7 Important Steps
Repairing your credit score will require time, patience, and discipline. Know that there is no quick fix. Instead, work your way through these steps for improving your credit score over time:

  1. Review your credit reports for errors and dispute any inaccurate or missing information. Be aware that simply checking your credit report or FICO score will have no effect on your credit score. You’ll need to take action to dispute incorrect or missing information. The FTC website provides consumer information on how to file and resolve credit disputes.
  2. Pay your bills on time. Even if you have missed payments, get current with your bills.
  3. Tackle past-due accounts and reduce the amount of debt you owe. You could start by paying off debts with the smallest balance to the largest (the debt snowball method) or from the highest interest rate to the lowest (the debt avalanche method).
  4. Be cautious when opening new credit cards. New credit accounts should be opened only on an as-needed basis. Although closing unused credit cards is often seen as a short-term strategy to increase a credit score, you should know that closing an account does not remove it from your credit report.
  5. Conside rconsumer credit counseling. A great resource for educational materials and workshops is the U.S. Department of Justice’s U.S. Trustee Program, which maintains a list of credit counseling agencies approved to provide pre-bankruptcy advice.
  6. Be wary of credit repair services. These companies offer to act on behalf of the consumer and negotiate with creditors, but they may also charge unreasonable fees and upfront charges, as well as mislead customers about their ability to fix credit.
  7. Consider bankruptcy only as a last resort. Filing for bankruptcy can allow people to keep their house, car, and other property. It also has serious consequences, however, including lowering your credit score. If you ‘re exploring bankruptcy, the U.S. Trustee Program maintains a state-by­ state list of government-approved organizations that supervise bankruptcy cases and trustees.

Meeting Your Financial Goals
Your credit history is an important cornerstone of your financial plan. That’s why making a commitment to monitor and manage your credit score and report is so important. Although the process may take time and patience, working to repair your credit is well worth the effort. It’s an important part of staying on track to meeting your long-term financial goals.

These tools/hyperlinks are being provided as a courtesy and are for informational purposes only. We make no representation as to the completeness or accuracy of information provided at these websites.

Michael W Zirbel is a financial professional with 307 Financial Services, LLC at 416 E Main ST. Riverton, WY. 82501. He offers securities as a Registered Representative of Commonwealth Financial Network®, Member FINRAl’SIPC. He can be reached at 307-856-8200 or at [email protected].

© 2021 Commonwealth Financial Network®

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