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Author, Owner and Co-Founder of Depina Credit Solutions, Arthur G. Depina Launches a New Book ‘Unlocking Your Credit’



Brockton, USA, March 17, 2021 (GLOBE NEWSWIRE) — Arthur Depina, the owner and co-founder of Depina Credit Solutions has launched a book titled Unlocking Your Credit’ Beginner-Friendly Guide To Legally Understand, Repair, And Leverage The Credit System To Your Advantage further extending his impeccable credit knowledge and the thirst to help those suffering in the same. With the book, Arthur aims to show people how to “navigate safely the world of consumer credit – which is forever shrouded in secrecy”. 
The chapters discuss in detail what credit is and how a credit score is calculated. 

Arthur also gives insights on how anyone can begin building credit in case you don’t have one. He also teaches to repair bad credit for those who have it but left it in bad shape. Some other topics that Arthur covers in his book include, correcting mistakes in credit reports and improving the credit profile at large. The steps and rules in creating an ideal credit profile are discussed and even if the credit is in good condition, Arthur deploys ways to avoid troubles in the future.  

Arthur Depina and Ana Fernandes have been helping immigrants and minority communities in the USA to become financially well and independent. With their company Depina Credit Solutions, the couple has been working hard to diminish the inequality that exists in the system and to advocate and represent the struggles of the minority at the administrative levels. 

Growing up in the hands of poverty, Arthur Depina is no stranger to struggles as he had to work really hard to make ends meet. Being an immigrant in a first world country, the only way he could make it out of the system was only if he worked to earn a decent living and a lifestyle. No many were skilled or specialized enough to help the marginal communities out of bad credit or entre the credit market with good insights. 

Arthur and his siblings migrated to the States at the age of 10, in the early 90’s, when they just had a few hundred dollars with them. All Arthur knew or had was a strong will and a future full of dreams despite the sudden culture thrust and financial crisis. Remembering being put in a school system that tried and tested everything in him, Arthur says that he did not stop going and motivated himself with his dreams of a future that he wants and was working for. 

Arthur graduated from Andrews University with a dual Bachelor’s degree in Business Management, & in International languages and passed out with excellent scores just like his high school. Arthur and Ana started their credit repair firm to help the immigrant community to get through what they call the ‘Secret World of Credit’ and present them with ways to leverage the power of credit to responsibly get credit cards, finance a car, buying their first home, investment properties, maintain good credit, and setup a better financial future for their family and love ones.

Now you can get your own copy of “Unlocking Your Credit” from the official website
And Amazon : (BUY HERE:
By visiting

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Company Name: Depina Credit Solutions
Company Email: [email protected]
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Dave says: If you need a cosigner, you're not ready – Northeast Mississippi Daily Journal



Dave says: If you need a cosigner, you’re not ready  Northeast Mississippi Daily Journal

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How to improve your credit score in 2021: Easy and effective tips



If you’ve ever wondered “What is my credit score?” it’s probably time to find out. Having a good credit score can make life a lot more affordable. If you’re about to buy a house or car, for example, the higher your credit score is, the lower your interest rate (and therefore, monthly cost) will probably be.

Your number may also be the deciding factor for whether or not you can get a loan and ultimately determine if you are even able to buy something you want or need.

So, yes, the goal is to have the highest possible credit score you can, but increasing the number doesn’t just happen overnight. There are important steps to take if you want to increase your score, and the sooner you start working on it, the better.

“If you’re trying to increase (your credit score) substantially to accomplish a goal, you’re really going to have to have as much lead time as possible,” said Thomas Nitzsche, director of media and brand at Money Management International, a nonprofit financial counseling and education provider that advises people on how to legally and ethically improve their credit score on their own.

If you have fair credit and you’re trying to improve the number for a house purchase, for instance, you’ll want to start working on it at least a year in advance, he explained to TMRW.

But even though that sounds like a long time away, you can (and should!) start doing things right now to bump that number up. Below, see seven things you should do — and not do — to help improve your credit score:

1. Review your credit report

Review your credit report and look for errors that might be hurting your score. Morsa Images / Getty Images

The first thing you’ll want to do is pull up a copy of your current report so you know where you stand. You can get free reports from all three agencies — TransUnion, Experian, and Equifax — at Nitzsche said it’s important to take a moment and understand the financial snapshot of where you are today and where you want to be.

You’ll also want to take some time and look for any errors on your report, which could negatively impact your score. “If your name is misspelled, that’s not going to hurt your score,” he explained. “But if you see a late payment or missed payment (that’s in error), or maybe you have an account that should be reporting but isn’t, then that’s a problem and that will impact your score.”

If there is an error, you should dispute it and try to provide as much proof as you can.

One other thing: You can also ask a creditor to remove an issue if it’s been corrected (i.e., if you paid off a collection debt). Nitzsche said it doesn’t hurt to ask and the worst thing they could say is no.

2. Have good financial habits

“The biggest part of your credit score is payment history, so the most critical thing is never missing a due date,” Nitzsche said. Set up a monthly autopay or add all due dates to your calendar so you never miss a bill.

You can also achieve a higher score when you mix different types of accounts on your credit report. It may seem counterintuitive to get extra points for having debt in the form of student loans, mortgages and auto loans, but as long as you’re paying them off responsibly, it shows that you’re reliable.

3. Aim to use 30% or less of your credit at any given time

Know your credit limit and aim to only use 30% or less of it for a better credit score.Tim Robberts / Getty Images

Know your credit card limit, and try not to use any more than 30% of that number each month, otherwise your score could lose points for too much credit utilization.

Another thing you can do is ask your bank to increase your limit. “That will give you more flexibility to spend more,” Nitzsche said. You could also pay it off twice a month to keep the balance low. But he does warn that you never know when the balance is going to be reported to the bureau. It can happen at any point during the month, so it might be the day after you make the payment or the day before. “You don’t necessarily want to use the card and pay it the next day because that doesn’t give the bureau the chance to know that you’re using it,” he said.

4. Avoid requests for new credit

If you’re looking to increase your score around the time you want to buy a house or car, you won’t want to open up a new line of credit, like a retail card, credit card or loan. That’s because “hard” credit inquiries like those can lower your score, and sometimes it comes down to a few points over whether you’re approved or what your rate will be, Nitzsche said.

“Soft” credit inquiries, like when an employer checks your credit or when you pull your own report, won’t affect your score.

5. Keep all accounts open, even ones you don’t use anymore

Even if you don’t use that credit card from college, it’s a good idea to just keep it open because closing it could hurt your score. Nitzsche explained that you’ll be dinged some points for each account that is closed. If you want or need to mentally break up with a card, just cut it up instead.

6. Build your credit if needed

If you haven’t established credit yet, you might not even exist … in the credit report space, that is! “If someone has never fallen in delinquency on any subscriptions or utilities or never had collections on anything and they have not utilized credit cards or loans in the past seven to 10 years, they may not have a credit profile at all,” Nitzsche said. “That presents a challenge when you want to buy a home.”

If this sounds familiar, you may have to get a secured credit card where you put down a deposit, he advised. “You still have to make payments and use it responsibly. Not all banks offer them but you can usually check with your local bank or credit union.”

7. Reach out for help

If you want personal guidance on boosting your credit score, make an appointment with a credit counselor.kate_sept2004 / Getty Images

There are many apps and credit-monitoring services that can help you stay on top of your credit score. You could also reach out to a professional credit counselor who can help you navigate your specific situation. (Here’s a good resource about finding a reputable service.)

One last thing: Nitzsche warned that everyone should beware of credit repair scams that claim to be able to increase credit scores for an advance fee to get accurate negative information removed (even temporarily) from credit reports.


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Lifestyle News | ⚡How J&G Credit Recreations Assists Individuals to Gain Financial Stability Through Credit and Homeownership – LatestLY



Lifestyle News | ⚡How J&G Credit Recreations Assists Individuals to Gain Financial Stability Through Credit and Homeownership  LatestLY

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