Category: Bad Credit

4-Pronged Approach to Strategic Credit Repair

A 4-Pronged Approach to Strategic Credit Repair

Moodie Bluez Consulting specializes in strategic credit repair and consulting to help guide you to a better financial future.

We have a team of dedicated professionals who are on a mission to help our clients go from feeling defeated and stressed out to feeling empowered and on track to a better future.

But how do we do this?

Shawn Moodie, founder of Moodie Bluez Consulting, developed a 4-pronged approach that’s as simple as ABC… well… as simple as ABCD!!

The A is for Attorneys

Moodie Bluez Consulting has a network of attorneys available to protect your rights.

B is for Build, Maximize, or Establish Credit

We love to geek out on strategies that help you either build credit, maximize the credit you already have, or establish credit if you’re new to the credit game.  This can mean saving you a ton of money on interest rates when making big purchases.

C is for Credit Repair with Care!

We care about helping you reach your goals and ultimately winning! We help you repair your credit by disputing erroneous items on your credit report and advocating for your rights as a consumer.  A bad credit history doesn’t have to ruin your future!  We will help you make the best of the situation you’re in while creating a plan to help you recover.

D is for Debt Relief

The fourth and final element to our approach is coming up with a game plan to help you tackle your debt.  Our plan will help you see the light at the end of the debt tunnel so you can get on track to a better future!

So there you have it!  Shawn Moodie’s 4-pronged system is helping us empower consumers just like youevery single day!

Bad Credit? Avoid These 3 Critical Mistakes

A poor credit score will most likely affect you if it hasn’t already. In the current economy, a FICO score of 600 or below will lump you in with the 68 million other Americans who are also struggling in the realm of credit.

A poor credit score will undeniably have adverse effects on your financial future if not addressed.

If you have fallen into a bad credit situation, avoid these three critical mistakes to keep it from going from bad to worse.
1. Failing to learn how to improve your situation
If you have bad credit, it’s imperative that you educate yourself about how credit works and the necessary steps to improve your situation. You can start right now by making on time payments and paying down your balances, as these factors are the largest weights on your credit report.

2. Neglecting the problem
Don’t keep your head in the sand! Neglecting the problem will only make it worse. This is a stressful way to live as you will constantly have the prospect of lawsuits, wage garnishments, or bankruptcy looming over you.

3. Falling for debt relief scams
According to a Federal Trade Commission report, 1.7 million Americans fell victim to debt relief scams in 2013. Disreputable agencies will often take advantage of someone’s dire financial situation through promising upfront cash and later charging an incredibly high interest rate. Do not do business with agencies that sound too good to be true. Furthermore, always know that promising money up front and “no credit check required” are often red flags of a company looking to prey on your bad credit situation.
Bad credit situations happen. There’s always an opportunity to get back on track! To learn more about improving your credit and avoiding critical mistakes, contact Moodie Bluez Consulting.