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Top 10 Credit Repair Companies for 2021



Credit is such a thing that is understood by very few people. People are unaware of understanding, leveraging and fixing poor credit scores. To cater this problem a number of individuals who are considered the experts of financial understanding, are working to help a number of clients. Such coaches are helpful in helping the clients check their credits, allowing them financial independence, security and also helping them to lead their lives comfortably. Following are some incredible coaches that are making peoples’ lives easier:

1. Natasha Larson

Natasha Larson is a credit improvement specialist at CreditCPR and CEO of the company. It was being built to help individuals build and even restore their credit at reasonable rates. Natasha Larson brought up with the idea of CreditCPR because she was living in a poor income neighborhood where people needed to build up their personal investment through a secured credit card. Natasha with her team has been able to help people build their credit through making purchases on their credit cards. Natasha is determined to allow people the freedom to make purchases anywhere through their secured credit card issued by MasterCard

2. Dominique Cleveland

Dominique Cleveland is the Chief Executive Officer of the company True Dreams Financial. She is a devoted self-starter expert. She is passionate to assist others with credit repair. Her company is specialized to help its clients get over their credit spoils to get hold of homeownership. Dominique Cleveland is determined to help clients with rebuilding and repairing of their credit. She with her company goes beyond best for her clients and stand on absolute integrity. Everything in her company is based on ethics and values to help clients get hold of best credit scores.

3. Lenox Ramsey Jr

Lenox Ramsey Jr is the owner of Ballot America Corp based in Washington DC. It is a political and radical campaign advisory which has been found by the strategist Lenox Ramsey Jr to assist in the political campaign services for the communities. It is determined to provide technological and campaign based consulting services to the organizations and the candidates. Lenox Ramsey Jr has been determined for fundraising for the political campaigns to bring change in the society. He is addressing people to invest their money and allocate credit in the political campaigns to bring a better future.

4. Einna M. Robinson

Einna M. Robinson is the manager and CEO of Robinson Platinum Solutions. She is also known to be the brand certified credit repair expert. She is incredible in assisting clients in establishing financial freedom, creating economical communal wealth and equipping them with financial literal of communal empowerment and general wealth through credit restoration. Einna M. Robinson has expert and specialized team in evaluating and guiding clients for their legal rights. Einna M. Robinson says that people can do anything that credit repair firms are assisting with but they can help you to sought out your problems and achieve goals in less time devoid of any costly errors.

5. Chanelle Jones

Chanelle Jones is the owner of Savvy Business Group. It is a financial based business providing services. She is working hard to help her clients and surroundings in growing their business and even ones who are taking a fresh start. Her company gets to know its customers; it offers a whole lot of services including business start-ups, credit repair and tax management and preparations. It also nurtures the existing clients and provides them new opportunities. Chanelle Jones owning Savvy Business Group is attending a lot of conferences and networking events to grow her business and also utilizing social media sites to attract new clients and helping them out with credit opportunities.

6. Lexi Turner

Lexi Turner is the CEO of the company Maven Realty Partners. It offers credit repair repayments and focuses on its customers by bringing energy and essence to its neighborhood and surroundings. The core business lies in the real estate and includes expert knowledge required for the business. Lexi Turner is determined to offer services inclusive of construction administration, tenant representation and property-owner’s representation and all sorts of credit repair problems related to the business. Maven Realty Partners provide easy solutions for investors and owners. Lexi Turner teaches how to start your business and also to develop and improve business credit.

7. Amber Butler

Amber Butler is the owner, realtor and certified credit repair expert of the company Butler Credit Solutions. Real estate is the core business of this company. Amber Butler as the owner of the company takes pride in assisting the people and surroundings in achieving their goals of financial understanding. It helps people in everyday life to achieve the motives of financial literacy and credit repairing. Whether the clients are to buy a new car, a new house and or willing to take a fresh start, Butler Credit Solutions is ready to take on the lead. Amber helps in improving the credit of its clients by eliminating charge offs, loans, collections, delayed payments and evictions.

8. Jade Jones

Jade Jones is the CEO of Premier Credit Rehab. She says that Premier Credit Rehab is not a just a company but it is her reflection; it’s honest, motivated and enjoyable while getting along with the business. Jade Jones was bad with financial literacy and credit management. She missed out a lot of opportunities such as driving of her dream car, home ownership etc. owing to money mismanagement. She knew she was bad with credit and decided to take a new start. She learnt about credit and financial management. She established Premier Credit Rehab to allow people get out of the disabled credit circumstances. Premier Credit Rehab provides accuracy on clients’ credit and financial reports and also provides them with financial tools.

9. Chris Newsome

Chris Newsome is the owner of Heart of Hustle, LLC. He is also credit coach of the company. This company has been established to become able to assist, help and satisfy the financial needs of the customers around the globe through financial consultation and credit repair services. Heart of Hustle, LLC is a competent company and has proved helpful in empowering the people with financial tools and literacy.

10. DeAndrea Bunbury

DeAndrea Bunbury is the CEO of the company Fix My Life. The reason for establishing her own firm was evolved from the disapproval of her secured card some 2 years ago. When she was not able to get her secured card approved, she started fixing her card by herself. She realized how illiterate she and others around her was and started investing through credit and finally established her company Fix My Life to help others get ahead of their credit repair problems.

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Are Sallie Mae Student Loans Federal or Private?



When you hear the name Sallie Mae, you probably think of student loans. There’s a good reason for that; Sallie Mae has a long history, during which time it has provided both federal and private student loans.

However, as of 2014, all of Sallie Mae’s student loans are private, and its federal loans have been sold to another servicer. Here’s what to know if you have a Sallie Mae loan or are considering taking one out.

What is Sallie Mae?

Sallie Mae is a company that currently offers private student loans. But it has taken a few forms over the years.

In 1972, Congress first created the Student Loan Marketing Association (SLMA) as a private, for-profit corporation. Congress gave SLMA, commonly called “Sallie Mae,” the status of a government-sponsored enterprise (GSE) to support the company in its mission to provide stability and liquidity to the student loan market as a warehouse for student loans.

However, in 2004, the structure and purpose of the company began to change. SLMA dissolved in late December of that year, and the SLM Corporation, or “Sallie Mae,” was formed in its place as a fully private-sector company without GSE status.

In 2014, the company underwent another big adjustment when Sallie Mae split to form Navient and Sallie Mae. Navient is a federal student loan servicer that manages existing student loan accounts. Meanwhile, Sallie Mae continues to offer private student loans and other financial products to consumers. If you took out a student loan with Sallie Mae prior to 2014, there’s a chance that it was a federal student loan under the now-defunct Federal Family Education Loan Program (FFELP).

At present, Sallie Mae owns 1.4 percent of student loans in the United States. In addition to private student loans, the bank also offers credit cards, personal loans and savings accounts to its customers, many of whom are college students.

What is the difference between private and federal student loans?

When you’re seeking financing to pay for college, you’ll have a big choice to make: federal versus private student loans. Both types of loans offer some benefits and drawbacks.

Federal student loans are educational loans that come from the U.S. government. Under the William D. Ford Federal Direct Loan Program, there are four types of federal student loans available to qualified borrowers.

With federal student loans, you typically do not need a co-signer or even a credit check. The loans also come with numerous benefits, such as the ability to adjust your repayment plan based on your income. You may also be able to pause payments with a forbearance or deferment and perhaps even qualify for some level of student loan forgiveness.

On the negative side, most federal student loans feature borrowing limits, so you might need to find supplemental funding or scholarships if your educational costs exceed federal loan maximums.

Private student loans are educational loans you can access from private lenders, such as banks, credit unions and online lenders. On the plus side, private student loans often feature higher loan amounts than you can access through federal funding. And if you or your co-signer has excellent credit, you may be able to secure a competitive interest rate as well.

As for drawbacks, private student loans don’t offer the valuable benefits that federal student borrowers can enjoy. You may also face higher interest rates or have a harder time qualifying for financing if you have bad credit.

Are Sallie Mae loans better than federal student loans?

In general, federal loans are the best first choice for student borrowers. Federal student loans offer numerous benefits that private loans do not. You’ll generally want to complete the Free Application for Federal Student Aid (FAFSA) and review federal funding options before applying for any type of private student loan — Sallie Mae loans included.

However, private student loans, like those offered by Sallie Mae, do have their place. In some cases, federal student aid, grants, scholarships, work-study programs and savings might not be enough to cover educational expenses. In these situations, private student loans may provide you with another way to pay for college.

If you do need to take out private student loans, Sallie Mae is a lender worth considering. It offers loans for a variety of needs, including undergrad, MBA school, medical school, dental school and law school. Its loans also feature 100 percent coverage, so you can find funding for all of your certified school expenses.

With that said, it’s always best to compare a few lenders before committing. All lenders evaluate income and credit score differently, so it’s possible that another lender could give you lower interest rates or more favorable terms.

The bottom line

Sallie Mae may be a good choice if you’re in the market for private student loans and other financial products. Just be sure to do your research upfront, as you should before you take out any form of financing. Comparing multiple offers always gives you the best chance of saving money.

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Tips to do some fall cleaning on your finances



Wealth manager, Harry Abrahamsen, has five simple ways to stay on top of the big financial picture.

PORTLAND, Maine — Keeping track of our financial stability is something we can all do, whether we have IRAs or 401ks or just a checking account. Harry J. Abrahamsen is the Founder of Abrahamsen Financial Group. He works with clients to create and grow their own wealth. Abrahamsen shares five financial tips, starting with knowing what you have. 

1. Analyze Your Finances Quarterly or Biannually

You want to make sure that your long-term strategy is congruent with your short-term strategy. If the short-term is not working out, you may need to adjust what you are doing to make sure your outcome produces the desired results you are looking to accomplish. It is just like setting sail on a voyage across the Atlantic Ocean. You know where you want to go and plot your course, but there are many factors that need to be considered to actually get you across and across safely. Your finances behave the exact same way. Check your current situation and make sure you are taking into consideration all of the various wealth-eroding factors that can take you completely off course.

With interest rates very low, now might be a good time to consider refinancing student loans or mortgages, or consolidating credit card debt. However, do so only if you need to or if you can create a positive cash flow. To ensure that you are saving the most by doing so, you must look at current payments, excluding taxes and insurance costs. This way you can do an apples-to-apples comparison.

The most important things to look for when reviewing your credit report is accuracy. Make sure the reporting agencies are reporting things actuary. If it doesn’t appear to be reporting correct and accurate information, you should consult with a reputable credit repair company to help you fix the incorrect information.

4. Savings and Retirement Accounts

The most important thing to consider when reviewing your savings and retirement accounts is to make sure the strategies match your short-term and long-term investment objectives. All too often people end up making decisions one at a time, at different times in their lives, with different people, under different circumstances. Having a sound strategy in place will allow you to view your finances with a macro-economic lens vs a micro-economic view. Stay the course and adjust accordingly from a risk and tax standpoint.

RELATED: Financial lessons learned through the pandemic

A great tip for lowering utility bills or car insurance premiums: Simply ask! There may be things you are not aware of that could save you hundreds of dollars every month. You just need to call all of the companies that you do business with to find out about cost-cutting strategies. 

RELATED: Overcome your fear of finances

To learn more about Abrahamsen Financial, click here

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How to Get a Loan Even with Bad Credit



Sana pwedeng mabura ang bad credit history as quickly and easily as paying off your utility bills, ‘no? Unfortunately, it takes time. And bago mo pa maayos ang bad credit mo, more often than not, kailangan mo na namang mag-avail ng panibagong loan. 

Good thing you can still get a loan even with bad credit, kahit na medyo limited ang options. How do you get a loan if you have bad credit? Alamin sa short guide na ito. 

For more finance tips, visit Moneymax.



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