It's important to understand the details of your credit card.Duration : 0:3:34
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LIKE & SUBSCRIBE: To find out more about Gizzy, please visit www.guillermocervano.com
((SORRY FOR THE WIND IN THE BACKGROUND))
I was at Point Pleasant Beach today..(Tiki Bar) and wanted to teach my Subscribers about Credit Utilization Ratios and how to offset them with ADDING POSITIVE TRADE REFERENCES (LINES).
Now, big banks want you to have 10% CUR but smaller banks still accept 10%-30% CUR ....
Here is an example of a client who wanted Trade Lines...YOU SEE, THIS CLIENT CAME TO ME WITH NO NEGATIVE INFORMATION BUT HAD A LOW 650 FICO SCORE....HOW IS THAT POSSIBLE WHEN HE HAD GOOD STANDING CREDIT CARDS....WELL, HERE I EXPLAIN....PLEASE PAY ATTENTION...CAUSE YOU MIGHT BE IN THIS HOLE AS WELL!
((((((EXAMPLE)))))))
Well Fargo....
Balance of $4,659....your limit is $5000 (TYPE OF TRADE LINES NEEDED $20K Trade Line)
This is what is bringing you score down dude!! You're at 96.69% Credit Utilization Rate....
you need to reduce that credit down to 10% to $500....or 20% that will be $1,000.....
WELLS FARGO CREDIT CARD
LIMIT $4,500
92.08% CREDIT UTILIZATION
PAY THAT DOWN AS MUCH AS POSSIBLE....(TYPE OF TRADE LINES NEEDED $15K Trade Line)
AMERICAN EXPRESS:
$3,900....YOU MUST OWE $390....
You owe $2,690....you must bring it down to $1,170 (3 X $390)
(TYPE OF TRADE LINES NEEDED $7,800 Trade lines to offset the debt ratios or credit utilization rate)
BASICALLY YOU ARE MAXED OUT ON YOUR CREDIT CARDS AND THIS IS WHY YOUR CREDIT GOES DOWN AND YOU HAVE A LOW CREDIT SCORE!
CHASE
Limit is $3,200
Balance: $2,934
(TYPE OF TRADE LINES NEEDED you need a $6,400 or more Trade Line)
SEARS:
LIMIT:$4,000
BALANCE $2,580
YOU NEED TO OWE $1,200
(TYPE OF TRADE LINES NEEDED $10,000 Trade Line)
REALTORS FED CREDIT UNION
LIMIT:$4,000
BLANCE: $3,971....99.71% CUR
PRETTY MUCH THE TRADE LINES SERVICES ARE GONNA BE TOO EXPENSIVE FOR YOU!!
You need to pay down these credit cards and you don't even need us!lol
YOU SEE, IMMA LET YOU KNOW IF YOU NEED ME OR NOT...BUT BE SURE THAT I WILL EDUCATE YOU BEFORE WE DO ANYTHING!
ATTENTION: If you have a family member with credit cards and you don't have any positive information on your credit, please ask them to add you...see how your credit will increase dramatically....IF NOT, GIZZY CAN HELP WITH WITH THAT!!
Are you in this situation?!....Let me know cause we can still help you!
PLEASE GIZZY @ Financial Chemotherapy LLC at 973-440-8661Duration : 0:4:49
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The government has many websites to apply for free grants, loans and scholarships. Find out more about each grant option with tips from a consumer credit counselor in this free video on personal finance management.
Expert: Maria Enomoto
Contact: www.gotdebt.org
Bio: Maria Enomoto works as a credit counselor for Consumer Credit Counseling services in San Jose, California.
Filmmaker: Bing HuDuration : 0:2:50
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See what happens when we put 24 credit cards into a Blendtec blender. See more at willitblend.comDuration : 0:1:17
25 Comments »
Barack Obama has spent all of Americas needed wealth savings during the hardest of economic times in a risky spend on government until we have no more savings plan. Do you write checks when your account is empty? Take the credit card away from the imbicile and put it away. Stop spending! Cut all government in half, you can only buy what you can afford. What happens when the times are hard and all your savings are depleted? YOU starve. Get ready for inflation followed by heavy Japan style deflation. Our government has prostituted our country globally for banking intrests to the point that it can fall. $775 billion dollars and no results? That is criminal negligence and fraud. IMPEACH OBAMA!!!!!Duration : 0:3:59
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CNBC's Squawk Box with Joe Kernen, Becky Quick and Carl Quintanilla, Sept 10, 2009.
From Meredith Whitney's website.
http://www.meredithwhitneyllc.com/fir...
Meredith Whitney is the CEO of Meredith Whitney Advisory Group, LLC, a macro and strategy-driven investment research firm.
In 2009, Ms. Whitney was named as one of Time Magazines list of 100 Worlds Most Influential People and was ranked the #1 Investment Analyst in her category by The Wall Street Journal.
In 2008, Ms. Whitney was named one of Fortunes Top 50 Most Powerful Women, The Wall Street Journals 50 Women to Watch, Smart Moneys Power 30, and Crains 40 Under 40.
Ms. Whitney was also ranked in Institutional Investors 2008 All American Research Team.
Well followed for her core research, Ms Whitney and her team also focus on a broad section of financials including large, small, and mid-size banks, brokers, independent commercial and consumer finance companies.
Prior to founding Meredith Whitney Advisory Group, Ms. Whitney was a Managing Director and Senior Financial Institutions Analyst for Oppenheimer & Co. Inc.
Throughout her tenure at Oppenheimer, Meredith was most noted for her research on the ultimate decline in home prices, the future of the US mortgage industry, and the consumer lending market, including specific focus on the credit card industry.
In 2007, she wrote prolifically on the threats surrounding the weighted influence of the rating agencies on regulatory capital determinants and the risks of the monoline insurers on financial institutions.
In 2006, Ms. Whitney presented to the FDIC on the U.S. consumer and the risks in the sub-prime market.
Previously, Ms. Whitney worked as a financial analyst at Wachovia Securities, CIBC World Markets, and Oppenheimer.Duration : 0:2:13
1 Comment »
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as well. Of course, you will still need the disc in the tray to prove you own the game. * Access Xbox LIVE Marketplace on the Web. Browse and purchase Marketplace content whenever you want from Xbox.com and it downloads automatically to your console. Purchase that new map, television episode, the latest Xbox LIVE Arcade game or set up a movie to watch when you computerget home from work. download movsubscription you tube partner prize rebel cheat engine fire fox i soulja boy bird walk mrfirefalls mrwaterfalls i can get you recon image fake not real do not post illegal banned suspension hacking youtube accounts hotmail yahoo google mail send sent recieved customer service boosting prank Major Nelson shows us how to customize Avatars. Avatars are coming this fall in the Xbox 360 dashboard update The New Xbox 360 Experience, including avatars and new games available for download on the Xbox Live marketplace. Thi
penguin July 14, 2008. The new experience will be available Fall 2008. : New Xbox Experience (NXE)New Xbox Experience Game Installation What happens Process .call $100 msn password demo game Xbox 360 - Avatars in New Xbox Experience Gamer Pics Theme Blayzeboy Vital Overkill MrWaterFall Digital Ph33r how to get recon armor iPod touch prizerebel hadk generator habbbo coins for club free games on pc computer mirrors edge call of duty 4 5 farcry gears of war 2 2 resistance 2 need for speed undercover mortal kombat DDuration : 0:4:18
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download here: http://myfiledirect.com/ShareJohns8914192540/GENERATOR
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Experience Walkthrough Gametrailers posted a Xbox 360 Dashboard Walkthrough Hacking GamerTag Suspened PayPal Free Xbox Live Generator HALO 3 General Instantly Easy 50 boosting Service free money Recon Armor PS3 Microsoft ELITE Master Chief machinima THE NEW XBOX DASHBOARD COMING END OF SEPTEMBER. DEMO BY MAJOR NELSON. Call Xbox LIVE sims 2 Dash Board came early beta version cheatsboring program software demo major nelson blog free xbox live codes everydat prizerebel rewards1 hack generated generate online google virus unblock WII E3 2008 New Xbox 360 Dashboard Walkthrough Gametrailers posted penguin a Xbox 360 points coins change Dashboard armor halo 3 skulls Walkthrough Extra Tags] IGNORE [Extra Tags] E3 2008 New Xbox 360 Dashboard Hacking Club GamerTag Suspened PayPal reconFree Xbox Live Generator HALO 3 General mrwaterfalls Instantly Easy 50 boosting Service GWA Gator360 Supposed cp 1 Wwe Adam free money Recon Armor Master Chief PS3 Microsoft ELITE Master Chief machinima for the next wave of audience gamertag change expansion, Microsoft today announced usa a new Xbox free habbo credits experience that will canada reinvent home entertainment from the inside out, changing the way we play games, watch movies and TV shows, and even become contestants in game shows. It all begins this fall with a bold new look and feel that is fun, social, and simple to use. Subscribe Unsubscribe Sign in to YouTube now! FLYING GHOST Sign in with your Google Account! This is an E3 preview of tAWESOMEThis is an E3 preview of the new Xbox 360 dashboard soon to be released. xbox 360 new dashboard gears marcus dom halo e3 electronic enterntainment expo dashboards fall update 2008, including new avatars, 1vs100, and Netflix support. New Xbox 360 Dashboard Fall Update 2008 walks you through some of the new features xbox dashboards fall update including avatars 1vs10 Demo game installation process for the New Xbox Expe... SUBSCRIBER HACK WEBDemo game installation process for the New Xbox Experience dashboard 360New dashboard interface for the Fall. This update will create an all new Xbox Live experience, as well as add Netflix to all Xbox Live Gold Subscribers for free on their Xbox 360 Marketplace. New avatars for all Xbox Live users, and more! xbox 360 microsoft dashboard avatars new experience e3 2008 bringing it home gears of war fall update halo resident evil This is the all new XBOX 360 Dashboard look. It gives you the ability to create an avatar which is like the Nintendo Wii XBOX 360 Experience Dashboard Live the game disc and play directly from the hard drive. Not only will the drive not spin, but load times are quicker,
as well. Of course, you will still need the disc in the tray to prove you own the game. * Access Xbox LIVE Marketplace on the Web. Browse and purchase Marketplace content whenever you want from Xbox.com and it downloads automatically to your console. Purchase that new map, television episode, the latest Xbox LIVE Arcade game or set up a movie to watch when you computerget home from work. download movsubscription you tube partner prize rebel cheat engine fire fox i soulja boy bird walk mrfirefalls mrwaterfalls i can get you recon image fake not real do not post illegal banned suspension hacking youtube accounts hotmail yahoo google mail send sent recieved customer service boosting prank Major Nelson shows us how to customize Avatars. Avatars are coming this fall in the Xbox 360 dashboard update The New Xbox 360 Experience, including avatars and new games available for download on the Xbox Live marketplace. Thi
penguin July 14, 2008. The new experience will be available Fall 2008. : New Xbox Experience (NXE)New Xbox Experience Game Installation What happens Process .call $100 msn password demo game Xbox 360 - Avatars in New Xbox Experience Gamer Pics Theme Blayzeboy Vital Overkill MrWaterFall Digital Ph33r how to get recon armor iPod touch prizerebel hadk generator habbbo coins for club free games on pc computer mirrors edge call of duty 4 5 farcry gears of war 2 2 resistance 2 need for speed undercover mortal kombat DDuration : 0:1:17
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Sanyika Calloway Boyce appears on Wall Street Journal Report and discusses the myths and misinformation about credit cards and college students.Duration : 0:4:33
5 Comments »
888-861-3694 - http://www.enrollmentcenter.com - Enrollmentcenter.com is the Law Firm's premiere Enrollment Center. The law firm will work with you to create the best debt-relief program possible, which will secure your financial future. Let the law firm become your advocate for debt relief.Duration : 37 sec
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