Make This Your New Year’s Resolutions: Improve Your Credit Score

Jan. 3, 2012 - PRLog -- As you’re making your New Year’s resolutions, consider taking the important step of improving your credit score, and in the long run, strengthening your financial well-being.

You’re not alone as so many Americans are dealing with the reality of maxed out credit card bills after a busy holiday gift-buying season on top a year when paying bills has gotten harder due to the nation’s prolonged weak economy.  

To kick off the New Year, Dionne Perry, sales director of Financial Education Services, is offering a free seminar on improving your credit score between 2 p.m. and 4 p.m. Saturday, January 14 at the Women’s Professional Building, 3905 Georgia Ave., NW, Suite 200, Washington, D.C.  To reserve a seat, call her at 703.593.5488.

“More today than ever before our increasingly tight credit market demands a high credit score,” says Perry, who has been a licensed mortgage broker and certified loan-signing agent. “Most lenders use credit scores when deciding whether to approve consumers for loans or credit.  It also determines your ability to get a car loan, the premium on your auto or homeowners insurance and even your ability to get a job.”

The higher your credit score (720 and above), the more likely it is that you can get loans, refinance your mortgage and in some cases, land a new job or get a promotion.  A low credit score (below 720) is not the end of the world, Perry says, but you can do something about it.  Of course, paying your bills on time is always essential, but that can be tough nowadays if you’ve had to take a cut in salary or been laid off.

“This is the time of year when you need to look at your credit score, and if it’s below 720, you need to do something about it,” Perry says. “Over the past year, I’ve been working with hundreds of individuals who didn’t know what to do about removing outdated, inaccurate and unverifiable information from their credit report that were lowering their scores. Millions of inaccurate items have been removed from consumers' credit reports since the Fair Credit Reporting Act was passed. Because your financial health revolves around your credit score, it is important that the information your credit report contains be as accurate and up-to-date as possible.”

Perry is available for free consultation or to conduct credit repair seminars by contacting her by email at dionneperry37@yahoo.com or by phone at 703.593.5488. For more information about her expertise and other services she offers, go to www.rebuildmycredittoday.com.

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