Banks Credit Chat https://bankscreditchat.com Daily Tips And Information On Everything Dealing With Credit Mon, 30 Dec 2024 01:48:22 +0000 en-US hourly 1 https://wordpress.org/?v=6.7.1 Credit and Credit Aproval – Why Debt to Income Ratio is More Important Than Ever! https://bankscreditchat.com/credit-and-credit-aproval-why-debt-to-income-ratio-is-more-important-than-ever/?utm_source=rss&utm_medium=rss&utm_campaign=credit-and-credit-aproval-why-debt-to-income-ratio-is-more-important-than-ever https://bankscreditchat.com/credit-and-credit-aproval-why-debt-to-income-ratio-is-more-important-than-ever/#respond Thu, 29 Aug 2024 20:59:07 +0000 https://bankscreditchat.com/?p=596 In this video I cover how the credit landscape is changing.

Find out why your debt to income ratio is becoming more important now then in years past in this video.

]]> https://bankscreditchat.com/credit-and-credit-aproval-why-debt-to-income-ratio-is-more-important-than-ever/feed/ 0 Klarna.com Review and Warning- Users Be Careful Of Fees! https://bankscreditchat.com/klarna-com-review-and-warning-users-be-careful-of-fees/?utm_source=rss&utm_medium=rss&utm_campaign=klarna-com-review-and-warning-users-be-careful-of-fees https://bankscreditchat.com/klarna-com-review-and-warning-users-be-careful-of-fees/#respond Sun, 18 Aug 2024 20:53:54 +0000 https://bankscreditchat.com/?p=594 In this video I discuss the consumer platform Klarna.com.

If you are unfamilar with the platform or have never used it, this video is a must see. Find out why in this quick review of the website.

]]> https://bankscreditchat.com/klarna-com-review-and-warning-users-be-careful-of-fees/feed/ 0 Get Flex .com Rent Paying Platform Warning Proceed With Caution! https://bankscreditchat.com/in-this-video-i-cover-the-rent-paying-platform-getflex-com/?utm_source=rss&utm_medium=rss&utm_campaign=in-this-video-i-cover-the-rent-paying-platform-getflex-com https://bankscreditchat.com/in-this-video-i-cover-the-rent-paying-platform-getflex-com/#respond Fri, 26 Apr 2024 20:41:16 +0000 https://bankscreditchat.com/?p=591 In this video I cover the rent paying platform Getflex.com. Before utilizing this platform to pay your rent be sure to wathch this video.

Everything is not as easy and flexible as the company claims.

]]> https://bankscreditchat.com/in-this-video-i-cover-the-rent-paying-platform-getflex-com/feed/ 0 Automatic Approvals For Credit Cards -Paying For Pay Stubs and Fake Jobs Fake Guru Advice Part 2 https://bankscreditchat.com/in-this-video-i-cover-the-outdated-practice-of-getting-automatic-approvals-late-at-night-and-the-new-practice-of-paying-for-pay-stubs-and-fake-jobs/?utm_source=rss&utm_medium=rss&utm_campaign=in-this-video-i-cover-the-outdated-practice-of-getting-automatic-approvals-late-at-night-and-the-new-practice-of-paying-for-pay-stubs-and-fake-jobs https://bankscreditchat.com/in-this-video-i-cover-the-outdated-practice-of-getting-automatic-approvals-late-at-night-and-the-new-practice-of-paying-for-pay-stubs-and-fake-jobs/#respond Wed, 10 Apr 2024 19:50:08 +0000 https://bankscreditchat.com/?p=589 In this video I cover the outdated practice of getting automatic approvals late at night and the new practice of paying for pay stubs and fake jobs. These practices are being toted by fake experts claiming to be credit Gurus.

These practices are dangerous find out why in this video

]]> https://bankscreditchat.com/in-this-video-i-cover-the-outdated-practice-of-getting-automatic-approvals-late-at-night-and-the-new-practice-of-paying-for-pay-stubs-and-fake-jobs/feed/ 0 Authorized Users and Trade LInes For Credit Score Increase- Beware of the Fake Guru Part 1 https://bankscreditchat.com/authorized-users-and-trade-lines-for-credit-score-increase-beware-of-the-fake-guru-part-1/?utm_source=rss&utm_medium=rss&utm_campaign=authorized-users-and-trade-lines-for-credit-score-increase-beware-of-the-fake-guru-part-1 https://bankscreditchat.com/authorized-users-and-trade-lines-for-credit-score-increase-beware-of-the-fake-guru-part-1/#respond Thu, 29 Feb 2024 20:57:46 +0000 https://bankscreditchat.com/?p=577 In this video I revisit authorized users and trade lines for Credit socre increases.

There is a number of people posing as experts who are providing either outdated or just wrong information.

In this video I cover some of the misconceptions that is out there on authorized users and trade liens; especially when purchasing from online outlets.

]]> https://bankscreditchat.com/authorized-users-and-trade-lines-for-credit-score-increase-beware-of-the-fake-guru-part-1/feed/ 0 What is a CIBlLScore and What Does IT Mean For You! https://bankscreditchat.com/what-is-a-cibllscore-and-what-does-it-mean-for-you/?utm_source=rss&utm_medium=rss&utm_campaign=what-is-a-cibllscore-and-what-does-it-mean-for-you https://bankscreditchat.com/what-is-a-cibllscore-and-what-does-it-mean-for-you/#respond Fri, 16 Feb 2024 20:03:02 +0000 https://bankscreditchat.com/?p=573 In this video I discuss what is a CIBILscore. If you are unfamilar with the term this video will provide some insight. In addition you will find out most importantly what it means for you.

]]> https://bankscreditchat.com/what-is-a-cibllscore-and-what-does-it-mean-for-you/feed/ 0 Credit Card Crisis- What Is A Dbebt Management Program and the 5 Best Debt Management Companies! https://bankscreditchat.com/credit-debt-management-5-debt-management-companies/?utm_source=rss&utm_medium=rss&utm_campaign=credit-debt-management-5-debt-management-companies https://bankscreditchat.com/credit-debt-management-5-debt-management-companies/#respond Fri, 26 Jan 2024 14:56:04 +0000 https://bankscreditchat.com/?p=567 In this video I breakdown what a Debt Management Program is and consists of. In addition I discuss the 5 best debt management program companies you could possibly use if you find you are not able to pay your debt obligations on your own. The 5 best debt Management Program Companies are:

1) Money Management International

2) Green Path Financial Wellness

3) American Consumer Credit Counseling

4) Cambridge Credit Counseling

5) Consolidated Credit

]]> https://bankscreditchat.com/credit-debt-management-5-debt-management-companies/feed/ 0 4 Areas to Pay Attention To When Applying For A Home Loan- Many Don’t Take These Areas Seriously! https://bankscreditchat.com/4-areas-to-pay-attention-to-when-applying-for-a-home-loan-many-dont-take-these-areas-seriously/?utm_source=rss&utm_medium=rss&utm_campaign=4-areas-to-pay-attention-to-when-applying-for-a-home-loan-many-dont-take-these-areas-seriously https://bankscreditchat.com/4-areas-to-pay-attention-to-when-applying-for-a-home-loan-many-dont-take-these-areas-seriously/#respond Sat, 09 Dec 2023 16:12:26 +0000 https://bankscreditchat.com/?p=562 In this video I cover 4 Areas to pay attention to when applying for a home loan. Each one has significant importance but many people don’t take them seriously. They are:

1) Current address matches all your bank staments and utilities.

2) Keeping the same address not many different addresses on your credit report. Consistency in address.

3) Not to apply for multiple mortgages.

4) Opening new aacounts for credit and new loans.

]]> https://bankscreditchat.com/4-areas-to-pay-attention-to-when-applying-for-a-home-loan-many-dont-take-these-areas-seriously/feed/ 0 Dj Eny ,Cesar Pina, Credit Debt Realestate and The Red Flags To Know About Going Forward https://bankscreditchat.com/dj-eny-cesar-pina-credit-debt-realestate/?utm_source=rss&utm_medium=rss&utm_campaign=dj-eny-cesar-pina-credit-debt-realestate https://bankscreditchat.com/dj-eny-cesar-pina-credit-debt-realestate/#respond Tue, 28 Nov 2023 15:52:53 +0000 https://bankscreditchat.com/?p=558 In this video I cover the recent events of the alleged ponzi scheme by radio host, celebrity personality DJ Envy his partner Ceasar and the Breakfast Club. There are some credit, debt and realestate red flags everyone should know about before entering in this space and lessons to learn going forward.

]]> https://bankscreditchat.com/dj-eny-cesar-pina-credit-debt-realestate/feed/ 0 Financial Stability and Credit- 3 Areas People Never Consider to When Applying For Credit! https://bankscreditchat.com/financial-stability-and-credit-3-areas-people-never-consider-to-when-applying-for-credit/?utm_source=rss&utm_medium=rss&utm_campaign=financial-stability-and-credit-3-areas-people-never-consider-to-when-applying-for-credit https://bankscreditchat.com/financial-stability-and-credit-3-areas-people-never-consider-to-when-applying-for-credit/#respond Tue, 10 Oct 2023 21:46:59 +0000 https://bankscreditchat.com/?p=552 In this video I cover 3 areas never or rarely consdiered when applying for credit. Although they are quite common and should be the first thing you consider many people don’t.

Find out what they are in this video.

]]> https://bankscreditchat.com/financial-stability-and-credit-3-areas-people-never-consider-to-when-applying-for-credit/feed/ 0 How to Obtain Credit – # 1 Place to Go To Establish or Re-establish Credit! https://bankscreditchat.com/how-to-obtain-credit-1-place-to-go-to-establish-or-re-establish-credit/?utm_source=rss&utm_medium=rss&utm_campaign=how-to-obtain-credit-1-place-to-go-to-establish-or-re-establish-credit https://bankscreditchat.com/how-to-obtain-credit-1-place-to-go-to-establish-or-re-establish-credit/#respond Tue, 19 Sep 2023 15:29:22 +0000 https://bankscreditchat.com/?p=548 In this quick video I discuss the best place or should I say the first place you should go to establish or re-establish credit. Its so simple and in such plain site that most people forget to even consider it when looking to begin or to correct past credit issues.

Find out in this video the #1 place to go to establish or re-establish credit.

]]> https://bankscreditchat.com/how-to-obtain-credit-1-place-to-go-to-establish-or-re-establish-credit/feed/ 0 3 Unexpected Ways Adding A New Credit Card Improves Credit Score https://bankscreditchat.com/3-unexpected-ways-adding-a-new-credit-card-improves-credit-score/?utm_source=rss&utm_medium=rss&utm_campaign=3-unexpected-ways-adding-a-new-credit-card-improves-credit-score https://bankscreditchat.com/3-unexpected-ways-adding-a-new-credit-card-improves-credit-score/#respond Tue, 15 Aug 2023 20:41:16 +0000 https://bankscreditchat.com/?p=542 In this video I cover 3 unexpected ways adding a new credit card can improve your credit score.

The first way is : Increases your utilization rate.

The second way is : Adds to your positive payment history

The third way is : Improves your credit mix.

]]> https://bankscreditchat.com/3-unexpected-ways-adding-a-new-credit-card-improves-credit-score/feed/ 0 Credit Card Closing Warning -Credit Usage Dont Use It You Will Loose It! https://bankscreditchat.com/credit-card-closing-warning-credit-usage-dont-use-it-you-will-loose-it/?utm_source=rss&utm_medium=rss&utm_campaign=credit-card-closing-warning-credit-usage-dont-use-it-you-will-loose-it https://bankscreditchat.com/credit-card-closing-warning-credit-usage-dont-use-it-you-will-loose-it/#respond Mon, 31 Jul 2023 23:28:49 +0000 https://bankscreditchat.com/?p=538 In this short video I discuss one of the cardinal rule to not forget as you take the time to build and establish credit lines for credit cards. Credit card companies have a sneaky way of closing out accounts if you don’t use them or payoff the balance.

Find out what happened to me personally in this video.

]]> https://bankscreditchat.com/credit-card-closing-warning-credit-usage-dont-use-it-you-will-loose-it/feed/ 0 What Credit Score Do You Need To Have To Get An American Express Account? https://bankscreditchat.com/what-credit-score-do-you-need-to-have-to-get-an-american-express-account/?utm_source=rss&utm_medium=rss&utm_campaign=what-credit-score-do-you-need-to-have-to-get-an-american-express-account https://bankscreditchat.com/what-credit-score-do-you-need-to-have-to-get-an-american-express-account/#respond Wed, 12 Jul 2023 23:12:16 +0000 https://bankscreditchat.com/?p=534 In this video I cover an article by USA Today entitled:”What credit score do you need to get approved by American Express”.

Here is the link for your review: https://www.usatoday.com/money/blueprint/credit-score/what-score-approval-american-express/

]]> https://bankscreditchat.com/what-credit-score-do-you-need-to-have-to-get-an-american-express-account/feed/ 0 Collection Accounts and Medical Debt- Good News For The Consumer! https://bankscreditchat.com/collection-accounts-and-medical-debt-good-news-for-the-consumer/?utm_source=rss&utm_medium=rss&utm_campaign=collection-accounts-and-medical-debt-good-news-for-the-consumer https://bankscreditchat.com/collection-accounts-and-medical-debt-good-news-for-the-consumer/#respond Fri, 30 Jun 2023 19:09:58 +0000 https://bankscreditchat.com/?p=508 In this video I cover a change on how medical collection accounts and medical debt as a hold are reported on your credit report. The new update is welcome news for the consumer. Find out the new change in reporting on medical and collection accounts dealing with medical in this video.

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