Connect with us

News

ExtraCredit is the Comprehensive Credit Solution You Need

Published

on

Advertiser Disclosure

Disclaimer

What do you need your credit score for? In a nutshell, a lot. Credit cards, loans, mortgages, APR, even renting an apartment—whether or not you qualify is based largely on your credit score. If your credit is less-than-ideal, you know it can make your life just that much harder.   

Having a bad credit score can hold you back. It can keep you from feeling in control of your life. You might feel like you’re in a vicious cycle: you apply for credit to improve your score, get denied, suffer a hard inquiry, watch your credit score drop and try again. And it starts over.

We get it. And we want to help. Enter ExtraCredit, the newest product from Credit.com. ExtraCredit is a comprehensive credit solution, with specific and encompassing features that helps you with every dimension of your credit. 

But ExtraCredit isn’t your typical credit solution. Think of it as a lifestyle change. Think of it as a way for you to take your life back. 

What’s ExtraCredit?

ExtraCredit is your one-stop-shop for all things credit. Need identity protection? ExtraCredit’s got it covered. Want a look at your FICO® Score? Sure! An Exclusive discount with one of the leaders in Credit repair? Yep, we’ve got that too. Ready to add more to your credit? We’ve got your back. ExtraCredit is here for you, no matter what you’re credit score is. ExtraCredit helps you own your life—starting with you credit. 

ExtraCredit has five features, each created to help you get where you want to be. Here’s the lowdown on each: 

Reward It

So you decided to sign up for ExtraCredit. Smart choice! Because you’ve made such a smart choice, we’ll send you an ExtraCredit card loaded with $5. That’s real money. And that’s what Reward It is all about.

It doesn’t end there. When you sign up with ExtraCredit, we start sending relevant financial offers your way. Let’s say you get approved for one of those financial offers. That’s a big deal! And we want to celebrate with you. Which is why we’ll load your ExtraCredit card with up to $200. That’s right—up to two hundred dollars. All for you, because of your smart financial decisions. 

Track It

There are a lot of credit scores out there. And there are a lot of apps and services that claim to have the score. You know, the one and only completely accurate score you need. But the thing is, that doesn’t exist. So the score you might be seeing on one of those other apps isn’t the same as the FICO® Score that lenders see. In fact, you have at least 28 credit scores. That’s a lot to keep track of.

That’s where Track It comes in. ExtraCredit will keep track of your 28 FICO credit scores, so you can keep track of every single one. But it goes one step further by showing you what each score is used for. Plus, you’ll get access to your credit reports from all three major credit bureaus—Experian, Transunion and Equifax.

Guard It

Here are some statistics for you: in 2019, 14.4 million consumers were victims of identity fraud. Sure, that might not sound like a lot of people. But when you realize that it comes out to about 1 in 15 people, it feels like a much bigger threat. In total, 33% of adult Americans have been victims of identity theft. 

You might think that you’ve got all the protection you need. And maybe you have set up a few precautions here and there. But criminals nowadays are smart. Just look at those stats! They know what they’re doing. But don’t sweat it—so do we. Guard It’s here to save the day.

Guard It provides services to keep you nice and safe. There’s Dark Web Monitoring, which will continually scan hidden websites and file-sharing networks for data breaches. Then there’s Compromised Account Monitoring that’ll catch unauthorized bank changes and accounts opened with a stolen identity. And last, but not least, there’s Identity Theft Insurance. That’ll help protect you from financial danger with a $1,000,000 policy. Better safe than sorry. 

Build It

We all know that credit card payments play a major role in your credit score. But that’s just half the story. What about all the other bills that you pay, like rent and utilities? Shouldn’t those count? We definitely think so, which is where Build It comes in.

Build It uses Rent & Utility reporting to match transactions from your bank account. Think about that for a second—Build It will help you add more to your credit profile whenever you pay your rent on-time. How easy is that? 

From there, Build It continues to report your payments to all three major credit bureaus each month. 

Restore It

So your credit’s not where you want it to be. And you need help. The good news is, you’re in the right place. Restore It will connect you with one of the leaders in credit repair. You’ll get an exclusive discount for CreditRepair.com, a credit repair service that has a killer track record. If they are not available in your area, you will get that discount with another leader in credit repair.

The Breakdown

Okay, we know that there are a lot of credit solutions out there. You’ve probably seen other services, like credit repair, ID protection and credit monitoring. But here’s the thing—no one offers a comprehensive service like ExtraCredit. 

With ExtraCredit, you get five killer features all wrapped up in a box with a bow on top. Here’s a breakdown of how much the ExtraCredit services would typically cost on their own:

  • Basic Credit Repair: $24.95+ 
  • Rent Reporting: $9.99 
  • ID Protection: $34.99
  • FICO Scores: $19.99

Altogether, that’d add up to a cool $89.92. But with ExtraCredit you get all five services at $24.99 a month, plus real cash back for select offers. 

The Bottom Line

Sure, there are a lot of credit solutions out there. But here’s the thing—ExtraCredit impacts every dimension of your credit. So you could go with one-dimensional services provided by the other guys. Or you could go with ExtraCredit, which offers so much more than the basics.

ExtraCredit is here for you. It’s like a team of credit pros, all focused on monitoring your credit and satisfying your credit score needs. All you have to do is sit back, relax and let ExtraCredit do the work. 

Source link

Continue Reading
Click to comment

Leave a Reply

Your email address will not be published. Required fields are marked *

News

Dustin Aab on the power of working hard to achieve success

Published

on

The more closely we look around us, the more we get nearer to reality where so many individuals work with a certain grit, commitment and dedication to achieve what their hearts desire.

These individuals are the ones that not only work to attain their set goals in their career but also help others in their journeys. Talking about the sales and consulting business, which is growing each passing day across nations as professionals from various industries aim to get nearer their visions and aspirations in business, we can notice the boom in this niche; thanks to professional entrepreneurs like Dustin Aab.

Based out of California, Dustin Aab is a leading American entrepreneur, who excels in sales and consulting and has been shaping the careers of hundreds of people through his astute skills and knowledge as a true professional in the industry. It was seven years ago that Dustin Aab had started his career in the sales arena and from the past six years owns his sales company, under which he is working with the mission to turn the desires and dreams of professionals into reality through his mentorship and coaching in sales.

Dustin Aab’s sales and consulting business is all about providing the best of the industry products and services that help individuals change their financial status and situation. His life has been full of challenges, but Dustin Aab very early had realized the power of working hard and putting in every possible effort to make a successful career; hence, after working so hard for years, he has been able to create the financial freedom he wanted by becoming an entrepreneur. He hopes to change as many lives as he can in his career and take people nearer to their definition of success. He does sales mentorship and consulting for not just individuals, but companies as well.

Some of the specific services he offers through his company include Real estate, amazon automation, sales training mentorship, credit repair, Instagram growth and branding, life insurance and solar.

Brand desk content

Source link

Continue Reading

News

Dustin Aab on the importance of achieving financial freedom in life | Personal Finance News

Published

on

The more closely we look around us, the more we get nearer to reality where so many individuals work with a certain grit, commitment and dedication to achieve what their hearts desire. These individuals are the ones that not only work to attain their set goals in their career but also help others in their journeys. Talking about the sales and consulting business, which is growing each passing day across nations as professionals from various industries aim to get nearer their visions and aspirations in business, we can notice the boom in this niche; thanks to professional entrepreneurs like Dustin Aab.

Based out of California, Dustin Aab is a leading American entrepreneur, who excels in sales and consulting and has been shaping the careers of hundreds of people through his astute skills and knowledge as a true professional in the industry. It was seven years ago that Dustin Aab had started his career in the sales arena and from the past six years owns his sales company, under which he is working with the mission to turn the desires and dreams of professionals into reality through his mentorship and coaching in sales.

Dustin Aab’s sales and consulting business is all about providing the best of the industry products and services that help individuals change their financial status and situation. His life has been full of challenges, but Dustin Aab very early had realized the power of working hard and putting in every possible effort to make a successful career; hence, after working so hard for years, he has been able to create the financial freedom he wanted by becoming an entrepreneur. He hopes to change as many lives as he can in his career and take people nearer to their definition of success. He does sales mentorship and consulting for not just individuals, but companies as well.

Some of the specific services he offers through his company include Real estate, amazon automation, sales training mentorship, credit repair, Instagram growth and branding, life insurance and solar.

(Disclaimer: This is a Brand Desk content)

 

Live TV

#mute

.kaltura-player-container{position: relative; top: 0px; right: 0; bottom: 0; left: 0; width: 100%; height: 500px;} .playkit-player-gui{display:block !important;}

//setTimeout(function() { on_load_google_ad(); }, 5000); setTimeout(function() { on_load_fb_twitter_widgets(); }, 5000);

Source link

Continue Reading

News

Home Depot, Inc. (The) (NYSE:HD), J P Morgan Chase & Co (NYSE:JPM) – Key Markets To Watch As The Mortgage Boom Continues To Fade

Published

on

The last year has seen the most eye-popping spike in value in history. 

While the Covid 19 pandemic initially shut down economies across the globe, the Work from Home movement caused a mass exodus away from metropolitan areas where many large companies are headquartered.  Homebuyers have been laying siege on the housing market to the point where houses in the most desirable locations are selling for more than 50% above the asking price in some cases.

This current trend is all thanks to the Fed lowering interest rates last year in response to the pandemic to help bolster the economy. 

Lowering the interest rate allows banks to charge less interest on consumer mortgages.  When mortgages are cheaper, it may entice would-be home buyers to jump on opportunities, but it also gives current homeowners the ability to re-finance (re-fi) and pocket the cash to use elsewhere.  While this was the intended response, the side effects of cheap access to money led to an immense spike in demand for mortgages.

Regarding the demand for houses from new home buyers, there is a potential for the steam to run out of this drive because buyers are being priced out of opportunities. This is partly due to the massive supply and demand imbalance and partly due to raw materials for new houses such as lumber adding so much to the price of a new house, which eventually dissuades buyers away from the market.

The mortgage markets, however, are also running out of steam.  It can be inferred from the earnings call from Rocket Companies, Inc. (NYSE: RKT) that the mortgage market is experiencing a price war that, while temporary, is weighing on profits.  Mortgage companies are continually fighting to provide consumers with better rates, but this competition can only last for so long.

Whether you’re invested in the mortgage companies, real estate, or are simply an interested home buyer, here are some recommendations of markets to follow to find out if the steam does run out and a correction occurs in the housing market.

Mortgage Writers Rejoice

Mortgage companies like Rocket Companies, owner of Quicken Loans, North American Savings Bank (OTC: NASB), and Chase Bank (NYSE: JPM) saw massive profits during 2020 and early parts of 2021 as the demand for mortgages skyrocketed.  They expanded services, increased employee pay, and saw growth like they hadn’t seen since before the financial crisis in 2008. 

While banks generally learned their lesson the last time around, this time is different.  Back in 2008, the methods used by banks to get people to sign on the dotted lines were sometimes less than savory.  This led to a sharp rise in risky mortgages that eventually led to waves of defaults that the financial system wasn’t prepared to handle.

This time, the consumers have run at banks with their money and demanded mortgages.  On top of this, the mortgages being written are for individuals who meet lenders’ requirements.  According to this credit repair report, companies are more sophisticated now as well, and they are helping even more people get good rates and adding to the numbers flocking to mortgage companies.

However, the world is emerging from life during Covid, and the mortgage companies will be the ones to show the first signs of a cooling market.  It may have already started, as mentioned before during Rocket Companies, Inc.’s earnings call. 

The Luxuries of Home Improvement

Amazon will indeed rule the world if it can ever pose a threat to home improvement giants like Home Depot (NYSE: HD) and Lowe’s (NYSE: LOW). 

While both companies certainly specialize in retail home improvement supply, the bulk of their business is from commercial sales in contractor supplies.  If you’ve ever tried to go to a Home Depot or Lowe’s on a Saturday morning, you’ve seen the lines of contractor trucks pulling through the bay to pick up cords of PVC, lumber, and other materials.  These items are not easy to ship. All the better for the continued legacy of both of these companies.

The consistent profits for Home Depot and Lowe’s over the last year have largely been fueled by both the new home market and the refinance market.  New homes depend on raw materials to build, and if the market for new homes begins to cool, Home Depot and Lowe’s will be the stocks to watch.  However, the new home sales market tends to lag behind existing home sales since new homes are often built by large development companies as inventory before they are sold to home buyers.

To a much larger degree, home improvement projects have seen massive growth due to homeowners refinancing their mortgages and using the savings to build upon home values.  This may represent the bulk of the correlation between home improvement stocks and the mortgage market.  While the home improvement market is expected to rise in the coming years, a fall in revenues could point to a cooling in refinance applications.

Summing Up

The mortgage market relies on bringing customers to the table to sign papers. 

However, there are only so many willing buyers, and most of them have been drawn out over the last year for a variety of reasons including the Work from Home movement, extra savings built up due to lockdowns, and historically low interest rates. 

While business has been good, the world emerging from the current crisis may signal a cooling in the housing market, though not to the extent of the 2008 financial crisis. Keeping track of mortgage writing and home improvement companies may provide an idea of where the sentiment lies and allow investors to prepare for changing markets in the near future.

Photo Via Unsplash

Source link

Continue Reading

Trending