Your credit determines your financial life… your credit score is used by lenders almost exclusively to determine what you will pay for a loan.
It doesn’t matter if you have money in the bank or a well-paying job.
If your credit score isn’t excellent then you will pay a huge penalty on a mortgage, refinance, auto loan, credit cards, or any other type of loan.
How much more? Take a look…
Over a lifetime it easily adds up to several hundred thousand dollars.
That’s money that you can use to live a better life – take more vacations, pay for college education for your children, live in a bigger house, drive a nicer car, or invest for retirement.
And it’s even worse if you have bad credit, considered by lenders to be anything below 620. It’s extremely difficult (if not impossible) to get a mortgage, car loan, or a credit card at all with a credit score below this mark.
Luckily there are steps you can take to improve your credit – and in many cases improvement can be seen relatively quickly when you have the right education to guide you.
Mike Roberts is the founder of the Credit Solution Program. He has seen how important understanding credit has been in improving his own life. And because of this Mike has dedicated himself to teaching others how to improve their lives by raising their credit score and taking control of their personal finances.
The Credit Solution Program is a unique system that aims to educate with engaging videos that are both informative and fun to watch. The content on the site and in CSP products is created by Mike Roberts and a team of subject matter experts.
We hope that you enjoy learning here.
Our company is accredited
by the Better Business Bureau
Are you doing the right things to improve your score and keep your credit score high in the future?
Often these will be reported in error. Each bad mark requires a different approach will affect your overall plan of attack.
Here we lay the foundation, so that you have the proper mindset to continue. This is not just about money either, employers, landlords, and insurance companies all use your credit score to make decisions that can have a big impact on your life.
According to MSN Money personal finance columnist Liz Pulliam Weston in her 2010 National Best Seller “Your Credit Score” – a series of small mistakes with credit can add up to $2M over a lifetime. After watching the first short video lesson, you will understand how this is possible.
And there is more that happens once you really understand what a great score is worth.
Do you know all the factors that go into calculating a credit score? When you understand the 5 factors that are used to determine your score, you are instantly able to begin working on each to improve your score.
Most people with great credit have no idea how it got that way. So even if you have great credit already, this is a lesson you will not want to miss if you plan on keeping your credit high in the future.
You will learn where to get your credit reports and scores online, and how to understand each section of your report.
We will walk you through an exercise to classify any negative items according to the CSP system. This provides the framework from which you will form a personalized action plan.
Many people are confused about how to understand each section of a credit report. It’s no surprise really… did you know that if you have a lengthy credit history, your report can be over 20 pages long?
Understanding how to interpret all of this information about you is the first step toward improving it.
Since June of 2011, in our research, we have surveyed over 21,238 people about their credit and problems with their financial health and we have received thousands of blog comments and emails from visitors to this site. Because of this, we have an in depth understanding of the variety of problems that you may be facing with your credit.
Find out how to deal with late payments or accounts that have gone to collections. We will explain your options for any debts that you have outstanding, and how each of those options may affect your credit score. You’ll learn what actions are the most important if you want to qualify for a loan in the near future.
It’s frustrating to most people when they find out that just paying bills on time is not enough to insure that you will have an excellent credit rating. The credit scoring model is looking for a responsible use of credit, and while paying bills on time is a big part of that – it’s not enough.
What is the proper way to structure your credit history going forward?
Yes, in order to have the highest possible score, you have to actually plan out a strategy that the credit scoring model views as low risk. This means having the right number of credit cards and mix of credit types. We’ll show you how to use your credit effectively in order to score well.
Bad credit affects your life in powerful ways that are not just about what you can buy.
Having good credit means you will sleep better at night knowing that you’ve delivered financial security for you and your family.
So if you would like to see what the Credit Solution Program can do for your credit and for your life, go ahead and give it a try today by entering your email on this page.
On this website we are giving away free
access to the Credit Solution Program Starter Kit. It contains everything you need to get started improving your credit today with the CSP method.
No prior experience is needed – you will get information that you can put to use right away.
After the first few video lessons, you will notice a feeling of relief – when you look back, you’ll realize the stress you felt about your credit, debt, and personal finances, came mostly from lack of knowledge and having no “action plan”.