Tag: money

Ways to Improve Your Credit Score

Your credit score can determine a number of things about you. Your credit score will determine if you can get the financing available to purchase a car, a home, and can even determine your interest rates. If you have credit problems you may not be able to get the funding that you need. If your credit score is not up to par you do not have to worry. There are some ways that you can improve your credit score and get the financing that you need.

When you get your credit score you need to look at all the accounts that you are paying on, both the current accounts and the ones that are in default. Thirty-five percent of a credit score is based on your payment history. You score also looks at the total amount of debt that you owe to all lenders. Credit score range from 300 to 850. If you have a 650 -700 you have what is considered to be fair credit. Below a 600 you poor or bad credit. If your credit score is over 700 you are considered to have a good credit history. If your credit score is over 750 you have nothing to worry about. The average person falls into the fair to good credit range. With the increase prices and the poor economy many people are finding themselves to have poor credit. There are some things they can do to improve their score.

Check Your Credit Report for Mistakes

After looking at your credit score you need to check your credit report for mistakes. One in five people have found errors on their credit report. You should check that all of your personal information is correct. All look at the creditors and make sure that you have an account with them. Also look at the dates of the accounts and the total amount owed to make sure this is correct. Your credit report will show missed payments. If you made a payment on time and it is showing up as late you need to write to the credit agency and explain this. If there are items from over a decade on the credit report you need to write to have these removed as well. Many accounts will only stay on the credit report for a period of 7 years. If you find a mistake you will need to file a dispute form. While this may seem like it will be time consuming once the error is gone you will notice that your credit score has improved. It it well worth the extra time and effort.

 

Pay Down Debt

To improve your score you need to begin to pay down your debt. Look at your credit card with the highest interest rate and pay extra on this account. This will help your debt from building up. You do not have to close any unused credit cards. This will not improve your score and is not a quick fix. When you are trying to improve your score do not open additional credit accounts or apply for a new loan. This will not help your credit but rather add to your debt.

Fix Late Payments

If you have made late payments on your loans in the past now is the time to get on the right track. Credit cards and other lenders now have alerts that can be sent to your phone and email to remind you that a payment is due. You can also set up automatic deductions from your bank account. You will need to plan that around your pay schedule. You can also ask some of your lenders if they are willing to forgive some of the late payments. Some can be forgiving if you have a good history of making other payments on time. This will allow you to improve your score. Be sure to make future payments on time. If for some reason you will not have the money to make the payment call the lender. They will be willing to accept a partial payment for the time or set up another date.

Clear Up Collection Accounts

If you have accounts in collection you need to get this cleared up. You can call the collection agency and see if they are willing to accept a settlement. You should also ask them if your settle your debt if they will stop reporting it to the credit bureaus. If you are going to make a payment and they are going to stop reporting negative history be sure to get this in writing.

Do Not Get More Credit

It may be appealing to get a discount when opening a store credit card but in the end it can do more harm than good. It does not matter if you are approved for the card or not it will still have an impact on your credit score. This is considered to be a hard inquiry on your credit and will have an impact on your score for up to one year. When trying to fix your score you do not need to add any more debt. If you find an inquiry on your credit report that you are not familiar with contact the lender and find out with this is all about. If you did not apply for the card you need to alert the credit agency as this can be a sign of fraud. This may also remove the inquiry from your credit report but it may take some time in order for this to get into effect. A soft inquiry will not harm your credit. This is done when a lender is looking to increase your line of credit.

These are some tips that will help you improve your credit score. You need to remember that your credit score will not automatically improve over night. It will take several months of making payments on time and paying down debt for the credit score to improve. If you start taking measure to fix your poor credit score you will see an improvement in no time and will be able to get the financing that you need as well as lower interest rates.

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Financial Freedom Summit

May 1st-3rd – St. Louis, MO – 2020


Money only matters if it helps you live a life you love. Join 50+ speakers who are living life on their own terms, connect with others on the journey, and take the next step.

Get Tickets

Connect, Learn, and Empower Yourself

Come participate in the first annual Financial Freedom Summit. Learn from experts, network with other attendees, and learn how you can achieve financial freedom. Nobody deserves to constantly stress about money. Discover how you can control your money and use it to design a life that you love.

Learn from experts

Attend 50+ sessions led by industry experts on topics including money, life, and everything in between.

Networking

Connect with the other 1000+ attendees who are also on their journey to financial freedom.

Take Financial Action

Learn how to create an action plan for your personal finances and take the steps needed to get there.

Speakers

Here is our list of current speakers for the Financial Freedom Summit with many more to come….

Grant Sabatier


Creator, Millennial Money & Author of Financial Freedom

Kristy & Bryce


founders, Millennial RevOlution & Authors of Quit Like A Millionaire

Vicki Robin


AUTHOR OF Your Money or Your Life

Jamila Souffrant


founder, journey to launch

J.D. Roth


Founder, get rich slowly

Julien & Kiersten


founders, rich and regular

Chelsea Brennan


founder, smart money mamas

Bobby Hoyt


Founder, millennial money man & LAPTOP EMPIRES

Rosemarie Groner


Founder, busy budgeter

Cody Berman


FOUNDER, fly to fi & the fi show

Jillian Johnsrud


Founder, montana money adventures

Chad Carson


Founder, Coach carson real estate

Doc G


FOUNDER, Diversefi & What’s UP Next Podcast

Rob & Melissa


Founders, Flea Market Flipper

Chris Hutchins


Ceo & Founder, grove

Naseema McElroy


Founder, Financially intentional

Scott Rieckens


executive producer, playing with fire

Vincent Pugliese


Author of Freelance to freedom

Kevin Ha


Founder, Financial Panther

Leisa Peterson


founder, Wealthclinic

Noah Bouillon


founder, Money metagame

Zeona McIntyre


Creator, Zeonamcintyre.com and airbnb expert

Justin Taylor

founder, saving sherpa and co-host of the fi show

Andy Hill

founder, marriage kids and money

Larry Hagner


founder, the good dad project

Alexandra Fasulo


digital nomad & Pro service provider on fiverr.com

Leif Dahleen, M.D.

OLYMPUS DIGITAL CAMERA

founder, physician on fire

Steve Adcock


founder, think save retire

Gina Horkey


founder, horkey handbook

Travis Hornsby


founder, student loan planner

Diego Corzo


founder, house hacking club

Craig Curelop


author of the house hacking strategy

Hadassah Damien


founder, ride free fearless money

Adam Carroll


founder, Mastery of money & the build a bigger life retreat

Lisa Harrison


founder, mad money monster

Bob Lai


founder, tawcan

Liz Gendreau


founder, chief mom officer

Kanwal Sarai


founder, Simply investing

James Lowery


founder, rethink the rat race

Schedule

Here is a glimpse at our current schedule. Check back here for updates or sign up for our email list to stay notified.

Thursday, April 30th

2PM – 7PM

VIP Arrival & Check In

7PM – 10PM

VIP Dinner Event

Presented by FinCon

 

Friday, May 1st

9AM – 11:30 PM

Opening Keynotes

11:30AM – 12:30 PM

Break for Lunch

12:30PM – 3PM

Understanding Your Relationship with Money

3PM – 5PM

Money Mindset Speaker Sessions

5PM –

Events TBD

 

Saturday, May 2nd

9AM – 11:30 AM

Money Tactics Speaker Sessions

11:30AM – 12:30PM

Break for Lunch

12:30PM – 3:30PM

Money Tactics Speaker Sessions (cont’d)

3:30PM – 5PM

Final Keynote

7PM – 10PM

Closing Party

 

Sunday, May 3rd

9AM – 2PM

Check Out

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Money Topics

Debt

Real Estate

Financial Independence

Side Hustling

Budgeting

Families & Finance

Geoarbitrage

Digital Nomadism

Frugality

Pricing

* The prices below do not include the cost of lodging, transportation, or food.

EARLY BIRD PASS

$247
(Only 200 tickets left at this price)

– All Speaker Sessions and Keynotes
– Financial Freedom Summit Workbook
– Welcome Package and Swag
– Closing Party and Networking Events

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VIP PASS (Only 100 Available)

$797
– All Basic Pass Perks
– Thursday Exclusive VIP Dinner with Grant and Select Speakers
– Priority Seating in Speaker Sessions
– Speaker Session Video Recordings
– Access to VIP Speaker Mixer
– Lifetime Access to Financial Freedom Course

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Sponsors

This event is possible because of our amazing sponsors. If you think your company is a good fit for the Financial Freedom Summit, click the button below for more information.

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Where ?
Hilton St. Louis at the Ballpark
St. Louis, Missouri

Accommodation

We’ve secured special discounted pricing for the St. Louis Hilton at the Ballpark hotel for the Financial Freedom Summit.

Book now

Or call (800) 581-7151 and reference our group code of “FFE” to receive discounted rates.

What is the Financial Freedom Summit all about?

Whether you’re just starting your financial journey or a seasoned financial veteran, the Financial Freedom Summit is right for you. We have invited some of the best and brightest in the personal finance / life optimization space to share their thoughts on how you can use money to live a richer life. You will have a chance to network with 1000+ other attendees, take part in 50+ speaker sessions, and track your progress in the Financial Freedom Workbook that will be provided in your welcome package.

Need Help ?
Email us at
team@financialfreedomevents.com
if you have any questions.

Reserve Your Spot at the Financial Freedom Summit

Come join us in the first annual Financial Freedom Summit. Spots are limited. Reserve now to lock in your spot and gain access to the event at the lowest price possible.

Reserve your Spot, Today.

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