No. 20 Young’s Motorsports Team:
Driver: Spencer Boyd
Primary Partner(s): Credit MRI
Manufacturer: Chevrolet Silverado
Crew Chief: Joe Lax
2021 Driver Points Position: 23rd
2021 Owner Points Position: 26th
FR8 Auctions 200 Starting Position: 25th (Based on event formula)
Chassis Intel: YMS Chassis No. 103
Engine: Ilmor Racing Technologies
Notes of Interest:
Atlanta Motor Speedway Return: Fan favorite Spencer Boyd will make his third career NASCAR Camping World Truck Series (NCWTS) start at Atlanta (Ga.) Motor Speedway on Mar. 20, 2021.
In his previous two starts, Boyd earned a track-best 25th place finish in February 2019 and plans to roll the dice to improve on his 27th place effort from 2020.
Las Vegas Motor Speedway | Bucked Up 200 Race Recap: In the third Truck Series race of the season, Boyd started 33rd and utilized the 134-lap race to move 11 positions and finish 22nd, his second-best result of the 2021 NCWTS season.
The performance was the second-best track effort for Boyd at Las Vegas behind a 20th place finish in the fall of 2019.
Fix Now, Pay Later: This weekend at Atlanta, Boyd’s No. 20 Young’s Motorsports Chevrolet Silverado will adorn the primary colors of Credit MRI.
For more than a decade Credit MRI has delivered professional credit repair services with its industry-first and only 30 DAY NO FEE GUARANTEE. Simply put if they do not deliver results then you pay nothing.
Whether you are looking to purchase a home, car, RV, jet ski, motorcycle, or simply looking to improve your credit score to lower your current interest rates, Credit MRI is your one-stop credit repair partner.
To The Point(s): Entering Atlanta, Boyd sits 23rd in the championship standings.
Just 21 points separate Boyd from 15th in the championship standings currently held by Raphael Lessard with 19 races remaining this season.
Young’s Motorsports’ No. 20 team also secures 26th in the NCWTS owner standings.
Chasing That W: Boyd is eyeing his second career NASCAR Camping World Truck Series victory for himself and Young’s Motorsports.
In 2019 at Talladega (Ala.) Superspeedway, Boyd pulled an upset during the Truck Series Playoffs by winning the Sugarland Shines 250 at the 2.66-mile superspeedway edging Todd Gilliland by 0.027 seconds.
Truck Series Rundown: In five years of Truck Series competition, Boyd has 50 career Truck Series starts with one win, two top-five and two top-10 finishes and a championship best of 17th in 2019.
Spencer Boyd Pre-Race Quotes:
On Partnering With Credit MRI: “I used to sell cars back in my part-time NASCAR days. “I would see many hard-working people unable to get approved for a car because of simple strikes on their credit reports.
“Credit MRI is helping those folks, without charging them upfront, navigate the confusing path of credit recovery. Anything that helps hard-working Americans is high on my list!”
Dave says: If you need a cosigner, you're not ready – Northeast Mississippi Daily Journal
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
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 annualcreditreport.com. 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 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
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.
Lifestyle News | ⚡How J&G Credit Recreations Assists Individuals to Gain Financial Stability Through Credit and Homeownership – LatestLY
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