I have been asked many times, “Why are my credit scores so important?” Unfortunately we live in a world where our credit scores affect almost everything we do. If you are trying to buy insurance for your car, get a personal or business loan, buy or rent a house, seek a job or apply for a credit card your credit scores will determine if you succeed or fail.

HOPE can help you develop a healthy credit report so you can do whatever you desire to do. Many people have given up on having good credit because of set backs in their lives. HOPE can help you turn that around. Anyone who desires to have a good credit score can do so. There are simple, basic rules that can cause your scores to increase significantly. There are no hopeless situations. You can work your way back to healthy credit regardless of your situation.

If you are interested in finding out how call us at 704-503-3669. We are waiting on your call!

Clean Credit Assistance for Only $49 Per Month!

The brand new HOPE Silver Program allows you to work towards healthy credit for just $49/mo. after a one time set up fee of only $99! It is now more affordable than ever to achieve the clean credit report you desire to have. In fact, in the last 4 months alone over 70 HOPE clients have graduated from our program with credit scores healthy enough to purchase a home! We would love to help you achieve your personal success story too!

Take some time to check out testimonials from real HOPE clients.  Call 704-499-9696 or contact us today for more information and to schedule your no-obligation credit analysis with a HOPE credit specialist*.  Remember, healthy credit could be just around the corner! We look forward to hearing from you!

There is a lot of confusion about a new federal housing tax credit that was part of the new stimulus package passed by congress and signed into law by President Obama this week.
 
According to  FederalHousingTax Credit.com Congress enacted a bigger and better home buyer tax credit.  A tax credit of up to $8,000 is now available for qualified first-time home buyers purchasing a principal residence on or after January 1, 2009 and before December 1, 2009. Unlike the tax credit enacted in 2008, the new credit does not have to be repaid. For more details on frequently asked questions you can go to http://www.federalhousingtaxcredit.com/2009/faq.php#1.

This would great time for you to use your tax refund to invest in your financial future. You can use these monies to establish a healthy credit report so you can make the dream of owning your own home a reality. HOPE can guide you through this process. If you are interested in finding out how, please call us at 704-503-3669. We look forward to hearing from you!

Are you aware that you are entitled to a free credit report each year? You can go to www.annualcreditreport.com to receive yours. It is a good idea to check up on your report periodically to be sure you are not a victim of identity fraud or a victim of inaccurate information that will adversely affect your credit scores.

HOPE specializes in helping you maximize your credit scores so you can get the best interest rates available today. HOPE can help you get inaccurate information corrected and help you establish a healthy credit status. Please call us at 704-499-9696 and we will happy to help you.

Have you ever thought about what you would do if you were a victim of identity fraud? We live in a day where our information becomes available to scam artists who are looking to harm you. With the wonderful invention of the internet comes the ability for someone to get our personal information and use it to damage our credit standing. You must be very careful with whom you share your personal information.

We had a young lady come to our program who had never pulled her credit report. She was ready to buy her first home and wanted to know how her credit looked. When we looked at her report there were seventeen accounts that did not belong to her. She was 25 years old and a woman who was 70 had stolen her social security information and opened many accounts fraudulently, using our clients social security number.

HOPE was able to help her get all of these removed from her credit report but not until we filed fraud reports, police reports, signature affidavits on each of these accounts and made many phone calls. In the end HOPE was able to help her establish healthy new credit and she was able to purchase the home of her dreams.