WHAT YOU NEED TO KNOW ABOUT CREDIT

If your credit problems are induced by debt, restoring your credit rating can be difficult. Much of your credit score is based on how much unused credit you have uncommitted. Example, if your credit card has a $2000 limit, it will improve your credit score if there is a balance of $20, leaving usable credit of $1,980. If you have a balance of $1900 with a usable balance of $100, it will lower your score.

CREDIT CAN BE RUINED WHEN JOB IS LOST

If you are coming out of a tight financial situation, credit restoration is essential. If you can restore credit the way it was , than you can see the light at the end of the tunnel for your financial woes. Credit Restoration is the answer if you have been through a tough financial storm.

FULL CREDIT REPAIR SERVICE

Cleanse your credit report with BANCO Capital Corp in Southfield, Ferndale, or Flint, MI. Our goal is to be much more affordable than the industry standard and offer same if not better service. We help you by removing negative, misleading, inaccurate, unverifiable and outdated info from your report.

Credit Restoration-Is It Possible To Do It Yourslef?

Credit restoraton is a well-planned out strategy to fix an individual's credit. First thoroughly check your credit history with all three major credit bureaus. Look for specifty vital information like past dues, over limit expenses, and incorrect information on your account. After pooling all inaccurate information, you can start filling/sending dispute lettes. It is your right to question any entry you deem false or invalid on your credit report. Next, clear your unsettled balances. Work with a debt collector and seek suggestions on the most efficient method of handling payments.

AVOID CREDIT CARD FRAUD

Use CC's on secured websites online; do not let your CC's out of your sight; Only carry cards you plan to use; keep pin number and card separately; set an alert system; review your statement regularly and change your password regularly.

YOUR CREDIT SCORE

Your credit score acts as your economic identity. It is a measure of your credibility to lenders. If you have an undesirable payment history, you will have an unhealthy score. If you have a negative credit score and need some help to improve your score, give Banco Capital a call at 248-286-5100

CREDIT REPORTS CONTAIN ERRORS

Three-quarters of all credit reports contain errors. Many of them cause financial disruption. Errors in more than half contain errors serious enough to cause consumers to pay higher interest rates or a loan to be denied. Three major credit bureaus each report more than 2 million Americans. Half of that is 3 million. That's a lot errors.

The Easy Mortgage For Bad Credit Solution

The Easy Mortgage For Bad Credit Solution

IS CREDIT REPAIR FOR YOU?

Credit repair can change things sooner than you think if done by a professional. Contact credit repair at least 6 months before shopping for new loans or a mortgage. Working with a credit restoration company makes sure your credit score is as high as it can possibly be.

CREDIT CRUNCH

The severity of the credit crisis has surprised many. The first half of 2006 money flowed freely. You could get a home with a score in the 500 range and interest rate as low as 1% in an adjustable mortgage. Now for millions credit is unavailable without a lack of credit commitment and smart credit repair.

DID YOU KNOW???

Under The Fair Credit Reporting Act (FCRA), each of the nationwide consumer reporting companies- Equifax, Experian, and TransUnion are reqired to provide you with a free copy of your credit report at your request, once every 12 months.

ESTABLISH OR REBUILD YOUR CREDIT

ESTABLISH or REBUILD your credit with Orchard Bank MasterCard. Even a BANKRUPTCY is okay. Pre-Qualify in just 30 seconds!

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What Credit Report Repair Services Can Do For Their Clients

Credit Report Repair Services are skilled at going through all the steps required to ensure that your report is up to date and a true reflection of your repayment history. First these services will request a copy of your credit report. If discrepancies are found, there is a process to have them scrubbed from your report. Allow enough time for the changes to be reflected in your score. Your score will determine whether or not you will qualify for a credit card, mortgage or other loan as well as the terms that you will be offered. Working with a company that provides this service is the best way to make sure that yor credit score is as high as it can possibly be.

AN URGENT NEED FOR CREDIT REPAIR

Credit Repair has become a necessity! Before the recession, you could afford to sign to get stains on your credit, lenders did not care. If your credit score was low, your interest rate would be higher. NOT THE END OF THE WORLD! But with the recession, the credit crisis was DRAMATIC as ever!

We can remove negative items on your credit report! Check out our website @ www.bancoservices.com

18004421591
12482865100

NEW PRICING $250.00 to start and $100.00 monthly!

HOW'S YOUR CREDIT SCORE?

Poor - 580 and below
Good - 580-699
Excellent - 700 and above

Credit Restoration

The easiest credit card to get is a secured credit card. They are easier to get because money is set aside as collateral to establish a matching credit line. Make a small purchase that can easily be paid off in full on time every month. You can begin building this way.

Advice on Credit Restoration?

The easiest credit card to get, is a secured credit card. They're easier to get because money's set aside as collateral to establish a matchig credit line. You use $300 as collateral, then your limit would be $300. The more thats used as collateral, the higher the limit. Make small puraches that can easily be paid off in full on time every month. This way, positive credit can start building.

AVOID ATM TRAPS

Cover your hand when you enter your PIN so a camera cannot record it. Use an indoor ATM - less likely to be tampered with. Use signature option with retailers instead of PIN. Set up weekly or daily bank alerts to send you account balances. Make sure bank has current phone contact numbers at work, home, and cell.

AVERT THE CREDIT REPAIR RIP-OFF

The ideal way to avoid poor credit and deceptive credit improvement services is to do a periodic credit report review. Reviewing your credit profile is important because the information in your report impacts the cost of insurance or loan interest. Ensure the information is accurate, complete and updated before applying for a mortgage loan. Periodic checks helps to avoid identity theft as well.

Credit Restoration and Beating Debt

Much of your credit score is reliant on how much unused credit you have uncommitted. If you have a credit card with a $2000 limit, it will improve your credit score when there is a balance of $20 - leaving you $1980 of unused credit. It will lower your score if you have a balance of $1900 - leaving you $100 of unused credit.

3 Reasons for Credit Restoration

1)Bad Choices: failure to make payments or using debt settlement services.
2) Unanticipated Circumstances: job loss, divorce or medical catastrophe.
3) A Victim of Identity Theft: can wreak havoc on any one's life.

Tips to Bounce Back From a Credit Score Disaster

Review your budget; get a copy of your credit report; contact your lenders; pay bills on time; stay at your job; use new credit wisely; beware of scam artists.

Five Biggest Factors That Affect Your Credit

Payment history 35% - Amounts Owed 30% - Length of Credit History 15% - New Credit 10% - Types of Credit in Use 10%

WHAT IS A CREDIT SCORE

A credit score is a number that lenders use to determine the risk of lending money to a borrower. Credit card companies, auto dealerships and mortgage bankers are three common examples of types of lenders that will check your credit score before deciding how much they are willing to lend you and at what interest rate. Insurance companies, landlords and employers may also look at your credit score to see how financially responsible you are before issuing an insurance policy, renting out an apartment or giving you a job.

AVOID CREDIT CARD (CC) FRAUD

Use cc's on secured websites; sign cc's as soon as you receive them. Prefer merchants that ask you to sign receipt rather than provide your pin #. Carry only the cards you plan on using and keep pin # and card separately.

What Banco May Be Able to Remove from Your Credit Score

Collection Accounts - Judgments - Medical Bills - Foreclosures - Repossessions - Tax Liens - Inquires - and excessive names and addresses. Call 248-286-5100 today

HOW SPOUSE'S CREDUT CAN IMPACT YOU

If you have great credit, but your spouse does not, don't worry. You and your spouse have separate credit files and they don't have to affect each other. In fact, depending on where you live, you're probably not even responsible for bills your husband or wife runs up under their name while you are married. But if you have joint accounts or co-signed a loan, you are both equally responsible.

HOW TO INCREASE YOUR CREDIT SCORE

HOW TO INCREASE YOUR CREDIT SCORE
Do not make late payments. Pay revolving credit balances down. Open two secured credit card accounts and only use 1/3 of the credit available to you. Credit repair effort cannot succeed without open accounts.

Instant Credit Repair Relief

Credit score level could be the driving force at the rear of all key purchases and individual investments, but debt, money shortages, and financial shortfalls can lead to damaging credit score studies, even when by accident. Repairing credit is usually a tricky and size approach, as several banks and monetary establishments in the current financial climate may only be prepared to lend money or approve transactions with pristine credit rating record. You'll find, nevertheless, many steps which can be taken for instant credit score improvement to improve your monetary health.

WHAT YOU CAN DO WITH A HIGHER CREDIT SCORE

1. Refinance auto loans and cut interest rates in half
2. Stop charge card bleeding by lowering payments
3. Decrease insurance rates
4. Reduce home mortgage payments
5. Get approved for more money higher charge card limits and nicer cars.

Find out everything you need to do to protect and maintain a high credit score forever. Call Banco Capital Corporation @ 248-286-5100.

YOU CAN REBUILD CREDIT

Did you know? Negative items do not need to stay on your report for 7 years. There are flaws in the credit system that you can take advantage of. You can live the same lifestyle and reduce all your payments.

THERE ARE 2 TYPES OF CREDIT INQUIRIES

HARD inquiries will affect your credit score and occur when you apply for new credit. SOFT inquiries occur when your credit repot is requested by you, a prospective lender, or a current creditor conducting a periodic review of an existing account. Inquiries have a small impact on your score and are often addressed last in credit repair.

WHY ARE MY THREE CREDIT SCORES DIFFERENT?

#1 - creditors do not report to all 3 bureaus. #2 - the timing of the reporting of information is different by each bureau. #3 - Fair Issac modifies the software periodically and the 3 bureaus do not all implement the new version at the same time.

WHY ARE MY THREE CREDIT SCORES DIFFERENT?

WHEN DID CREDIT SCORING BEGIN

The FICO credit scoring model was created in the 1950's by Bill Fair and Earl Isaac of Stanford University. Scores were used in 1989 by credit card companies, but in 1989 Fannie Mae and Freddie Mac, mortage giants, began using them for approval decisions. Fair Isaac Corp trades on the NYSE and had revenues of over $800 million in 2007.

CREDIT - BOTTOM LINE

While your credit score is extremely important in getting approved for loans and getting the best interest rates available, you don't need to obsess over the scoring guidelines to have the kind of score that lenders want to see. In general, if you manage your credit responsibly, your score will shine.

CREDIT - BOTTOM LINE

5 Five Biggest Factors That Affect Your Credit

Credit Score, Payment History - 35%, Amounts Owed - 30%, Length of Credit history - 15%, type of Credit in Use - 10%. Call Banco Capital today @248-286-5100

WHAT ISN'T IN YOUR CREDIT SCORE

Marital status - age - public assistance - salary - occupation - employment history - rental agreements - participation in a credit counseling program.

Your Credit Score is Lower than it Should be

Only you can do something about your credit score. If you know you're being ripped off and robbed, it's time to fight back and rebuild your credit. Call BANCO Capital @ 248-286-5100 or
1-800-442-1591.

WATCH AS I SHOW YOU HOW TO REBUILD CREDIT WITH THE SIMPLE LIFT OF A FINGER. You will laugh when you realize just how stupidly easy it is to raise your credit score. 80 million Americans are suffering from bad credit right now. These are't just your deadbeat neighbors I'm talking about. Bad things happen in all walks of life. Call Banco Capital @ 1-800-442-1591 or 248-286-5100

The Road to the Worst Credit Score

Your credit score range can be 300 to 850 - the higher, the better. 1. Don't pay your Bills. Your repayment history is the most important part of your credit score. 2. Charge it. How much you owe is the second most important factor. 3. Apply, Apply. 10% ofyour score is based on how many new acounts you have applied for recently. 4. Be a one-trick Pony. Scores tend to be higher if you use a mix of different types of cedit, such as credit cards, store accounts, auto loan, and mortgage. 5. Assume That It's Hopeless. Don't consider bankruptcy, cutting up your credit cards, work out a budget or even take baby steps toward paying off your debt.

Credit Score Scale -- unique tips to advance a 3 credit scores higher than the trees now: There are strategies you can do to improve your credit score scale such as paying your cards down, servicing all of your debts and not over spending beyond your limit. You should also make sure to be patient and allow for some time to build your credit profile nice and strong. The bureaus tht issue your rating will include Experian, TransUnion, and Equifax. You are in a very low bracket if your scores are anywhere from 400 to 600 on the credit score scale. You can get a nice amount of help if your scores go up to 700 to 720. This will allow you to have good interest rates and lending potential. If you are 850 and below then you stand on thehighest ranking on the credit score scale and can be given the best interest rates offered in most cases.

Managing Credit & Debt

THE BEST VISA CREDIT CARD ON THE MARKET -- At any given time there is a huge choice between Visa and MasterCards available to consumers. Finding the best credit card on the market means finding one which suits you and the way you intend to use it. The ideal credit card offers 0% APR, no annual fees and an excellent cash back scheme. For those who qualify, the best Visa credit card on the market is the Citi Freedom Visa card, which offers 0% APR on purchases for the first six months before reverting to the standard variable rate which will be matched to your credit worthiness.

CREDIT TIPS

Business Credit Without Personal Guarantee Offers Many Advantages

Business credit without personal guarantee is the only way to get funding without risking your own personal credit or personal items. However, it can still provide you with the capital you need to start or look after an existing business.

There should be no other option in your mind when you are thinking about applying for a credit card or loans; it should always be an unsecured line of credit.

Some of the advantages of busness credit without personal guarantee include:

1. No Collateral Is Needed -- Secured lines of credit require something personal in order to be approved for a loan or card. The collateral is then used if you default on the loan or card.

The money amount your collateral is worth will be transferred over to the lender as payment. Credit without personal guarantee does not make you risk any of your personal things for your business.

2. Just As Easy To Apply For -- Business credit without personal guarantee is not any more difficult to apply for than secured business lines of credit. As a matter of fact many lenders now offer same day acceptance or denial procedures, meaning you will know if you have been accepted or denied by the end of the same business day you applied.

The easiest part about the application for business credit without personal guarantee is you will not have to provide your social security number for anything related to the business. It is not connected to your personal credit in any shape or form.

3. There Are Many Options Out There -- business credit without personal guarantee is not difficult to locate. Just about every lender has a business credit without personal guarantee option. There are even lenders out there that only offer unsecured credit to owners.

So do not think that you are going to have to spend hours and hours looking for a single place that offers credit without a guarantee. Your local lender should have some options for you to choose from.

4. Will Build The Same Amount Of Credit -- Some business owners think one type of credit builds more credit than a different kind. This is not true. An unsecured line will build the same amount of credit as a secured line. As long as you make the monthly payments and do not default on anything, your credit will be great!

So business credit without personal guarantee is the only way I would suggest you get business credit.

You do not need to risk your personal home and credit to get funding for your business.

There are other options out there. You can build a business. But keep the personal things you have worked so hard to get.

5 Tips for Opening New Credit Cards

• Try working things out with your current provider first, Negotiate some better terms.
• Think carefully before closing an old card. closing it lowers the total amount available, making it look like the consumer is closer to maxing out.
• Be sepcific about what you want out of a new card. Applying for multiple cards can damage your credit score.
• Before applying check your credit report, so you know what your eligible for.
• Zero percent for twevel months may sound great, but look past the introductory offer to what the terms are after the intial period.

CREDIT RESTORATION, EDUCATION, & ENHANCEMENTS

BANCO CAPITAL CORPORATION
Gaining Financial Stability with Intelligence & Integrity!
248.286.5100
800.442.1591
www.bancoservices.com

Have BAD CREDIT? Let BANCO CAPITAL CORPORATION remove:
BANKRUPTCIES TAX LIENS JUDGEMENTS
FORECLOSURES REPOSSESSIONS CHARGE-OFFS
MEDICAL BILLS EXCESSIVE NAMES EXCESSIVE ADDRESS
INQUIRIES

Have a LOW SCORE? Utilize our credit enhancement package:
Add Positive Trade-lines to get a higher score in 30 days

Just want the KNOWLEDGE? We have Credit Education Booklets for $25.00

Let BANCO CAPITAL CORPORATION help you to become a better you!

BUSINESS START UPS

BANCO CAPITAL CORPORATION
Gaining Financial Stability with Intelligence & Integrity
248.286.5100 OR 800.442.1591
http://www.bancoservices.com

BE YOUR OWN BOSS!
Let us start your business the right way!
Corporations (Inc.)
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LET US HELP YOU ACHIEVE FINANCIAL SUCCESS-
We assist you in building your company.
Business Credit Cards, Business Lines of Credits, and we have a Professional Grant Writer.