Go Get It!

Approved

We Can Get You There!

Isn’t this what you want to see the next time you apply for a loan? Well, with a credit score in the 500s or lower that’s not likely to happen and if it does…the interest rate for that loan will leave you paying double or even triple the price of the item you financed!! Let a Financial Education Service agent work on improving your credit score. Forewarned is forearmed! Walk into the loan officer’s office or dealership knowing that all derogatory items have been removed from your credit report and see what that does for your confidence!!

If you’re ready to straighten out your credit report and get back on track, enroll in the FES Protection Plan and gain not only credit restoration but also 12 other services all for the price of one gourmet cup of coffee a day!!

 

Where’s My Flashlight

Terror at Night 3

No Weapon Formed Against You Shall Prosper

The darkness always seems so powerful because of what it purports to hide in its depths. As a child, the darkness was scary…still is I must admit but that’s between you and I ok?! Our imagination amplifies the impact of the darkness too. In the darkness all our senses become heightened because our primary sense, sight, is useless. The dark seems to carry a sense of life all its own and the prospect of something observing us when we can’t see it, is bracing! But what happens as soon as the light comes on? The fear fades and our sense of dread evaporates.

Such is the case when it comes to our credit report. We may have pulled our report once or twice in our adult earning lives but most people don’t. They know that there is bad stuff in it and they don’t want to look at it. The darkness prevails and our dread digs in and grows. With Smart Credit by FES, you don’t have to take refuge under the bed or in the closet. You can shine the light on your credit report as often as you like and monitor it frequently. The more you review it, the better you will feel about how Financial Education Service is working to keep the darkness at bay.

Smart Credit is just one of many services your FES Agent to talk with you about. The FES Protection Plan is a powerful collection of services that will forever shine the light on your future of limitless possibilities. Find out how you can take advantage of one the world’s strongest portfolios of credit protection and monitoring services available here.

Stressed Out?

Stress & Disease 2

Bad Credit is a Major Source of Stress

Yesterday I received my dispute letters from my attorneys, signed them, and mailed them off. In 45 days I am expecting to hear that negative and derogatory items on my credit report have been removed. I am expecting my credit score to increase by 100 points, and I am expecting that my investment in Financial Education Service will multiply 1000 fold!! This is my mindset, deliverance and financial freedom. Using the program my FES agent set up for me, I am also looking to have my debt reduction accelerated and three major accounts paid in full. I’m not exaggerating either. This has been a very long time but it’s arriving, it’s happening, and it can happen for you as well.

So much of what we do, particularly in a capitalist society, depends on credit worthiness. Having a life free from stress and worry is directly related to our financial status. Stress robs years from our lives and creates an unhealthy living environment. Stress has been found to create conditions ripe for disease and all manner of illnesses. According to Dr. Sternberg, “if you’re chronically stressed, the part of the brain that controls the stress response is going to be constantly pumping out a lot of stress hormones. The immune cells are being bathed in molecules which are essentially telling them to stop fighting. And so in situations of chronic stress your immune cells are less able to respond to an invader like a bacteria or a virus.”

Stress Kills

Stress & Disease 4

Getting your finances in order is one way to clear the communication path between your brain and body and affect better health as a result. Stress impacts the body’s immune system and is a major contributor to heart disease. Financial Education Service has great tools for managing your debt and creating a plan to get out from under the stress bad credit can cause. Enroll now and restore better health and live the life you deserve.

 

It’s In You

Saving Money

The Ability to Save Money is in You

Perhaps you weren’t raised with a savings mindset. Maybe you were given everything and never really had to work to achieve your goals. Or, maybe you just were not taught the value of a dollar. Regardless of how you were trained, you can be re-trained, you can gain a new perspective based on your present reality, and the ability to save money is definitely in you. Here’s why.

Self preservation is defined as the protection of oneself from harm or death, especially regarded as a basic instinct in human beings and animals. It is basic human instinct to want to survive. We are not lemmings. We don’t just blindly walk off cliffs and plunge ourselves into situations that result in our demise…most of the time. By and large, we seek to stay alive and to do so with a measure of pleasure and happiness. Having money and saving money are pretty essential in today’s society; therefore, our basic survival instincts can help us save money if we will allow ourselves to think differently about wealth. Financial Education Service can help you do just that.

Getting control of our credit scores is often one of the most important things we can do in turning our financial picture around. When we are young, we make dozens of ill-conceived, unplanned, and foolish decisions. We often ignore the advice and counsel of our elders and we move full steam ahead into a slavery of debt! It happens but those poor choices tend to stick around and haunt or future lives. Financial Education Service can help you regain control.

The good news is, you can improve your credit score. You can pay off debt on an accelerated schedule, and you can safe guard your identity using one service portal from Financial Education Service. Contact an agent to today and learn more.

Why Let Others Dictate Your Future Dreams

Credit Score 2

Now or in the future, which of the following do you hope to purchase?

  1. An automobile
  2. A home
  3. A post-secondary education
  4. All of the above
  5. None of the above

If you answered 1, 2, 3 or 4, chances are you will one day (if not already) request the use of credit to assist in purchasing one of these expensive items. If you answered with e, well then, um, let’s just hope you didn’t answer with 5…If you did, maybe its time to talk to a Financial Education Service Agent.

When credit is requested from a lender (to purchase any of the above items and more), credit history is used to decide whether or not to grant that person credit. As we discussed earlier, the lender may look at either a credit report and/or a credit score to determine this. If a person has a negative credit history, or no credit history, they may not be able to obtain credit. Why? Well, let’s use the recurring example of your irresponsible friend that always asks to borrow cash. If you knew that he/she wouldn’t pay it back on time, would you continue to let him/her borrow it? Probably not. Or, if you were unsure that they would pay it back (meaning they don’t have credit history) would you let them borrow it? You might let them borrow $20, but you certainly wouldn’t let them purchase a house from you. Make sense?

In addition, a person’s credit history helps a lender determine the terms of credit granted, which could include the interest rate paid and length of the loan. Over a lifetime, a person will pay more for credit (in higher interest rates and fees) if they have a lower credit score. At Financial Education Service, we can help you unravel the mystery of your credit score.

A person’s credit history affects their ability to obtain credit and the terms of credit granted, but would you believe that credit history can also affect parts of your life that are not related to receiving credit? The truth is, more than potential lenders check a person’s credit history.

  • Insurance companies may use the information to decide whether you can get insurance and to set the rates you will pay
  • Employers may use your credit report, if you give them permission to do so, to decide whether to hire you
  • Telephone and utility companies may use information in your credit report to decide whether to provide services to you
  • Landlords may use the information to determine whether to rent an apartment to you

Basically, your credit history is important because lenders, insurers, employers, and others may use it to assess how you manage financial responsibilities. Wait, so we’re telling you that if you have a negative credit history, you could be without insurance or utilities, unemployed and HOMELESS? Now do you understand how important it is to have a positive credit history? Since it is so important, please remember the following about the importance of credit history:

  • Your credit history determines your ability to obtain credit.
  • Your credit history determines the terms of credit granted, such as the interest rate you will pay.
  • Your credit history affects much more than your ability to receive credit. Credit history can affect your ability to obtain a job, rent a place to live, and obtain utility services.

Contact a Financial Education Service Agent to learn more.