Business Credit & Funding

START-UP BUSINESS Yes, your business qualifies.

Can’t attend a Workshop? Call us for a complimentary appointment to see how we can help your business succeed. 205-352-3448

SUNDAY – MARCH 22, 2020 SIGN UP HERE FOR FREE WORKSHOP

TUESDAY – MARCH 24, 2020 SIGN UP HERE FOR FREE WORKSHOP

ESTABLISHED BUSINESS Yes, your business qualifies.

Call us today.  We can assist start up and established businesses obtain credit cards, net 30 accounts, auto loans and funding regardless of personal credit scores.  In fact, personal credit is not needed.

Protect your personal assets.  Avoid using your personal credit cards, 401K, second mortgage, borrowing from parents or friends or obtaining personal loans to start, grow or expand your business.

I am very passionate about this because I have been affected by using my personal credit and assets and risking it all due to economic downturn.  Don’t make mistakes…make responsible decisions to protecting your family from loss.

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Can’t attend a Workshop? Call us for a complimentary appointment to see how we can help your business succeed. 205-352-3448

SUNDAY – MARCH 22, 2020 SIGN UP HERE FOR FREE WORKSHOP

TUESDAY – MARCH 24, 2020 SIGN UP HERE FOR FREE WORKSHOP

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Compare personal credit to business credit lines.

Regardless of your personal credit score we can coach you on building business credit. True business credit is not reported on your personal credit report. True business credit doesn’t require a personal guarantee.

Can’t attend a Workshop? Call us for a complimentary appointment to see how we can help your business succeed. 205-352-3448
SUNDAY – MARCH 22, 2020 SIGN UP HERE FOR FREE WORKSHOP
TUESDAY – MARCH 24, 2020 SIGN UP HERE FOR FREE WORKSHOP


Sandi’s Story

Sandi owns her own dental practice. To get started she used her personal credit to obtain much needed funds to open an office, buy equipment and other needed business needs. Sandi has 10 credit cards with high limits, so funding was not an issue. She used 85%-100% of her available credit on her cards and took out three internet personal loans.

Wondering what the problem is? After all, she has plenty of income from her business to repay her loans.

Here’s the problem….

  1. The more credit that she uses on her credit cards causes her score to decrease drastically. Using higher percentage of credit card limits causes credit score to plummet. Think of a see-saw…and that’s how it works. Max out card…score goes down. Pay 90% of the card balance and score goes up. Because of overusing her personal credit we worked on her personal credit for several months for her to be able to qualify for a home loan.
  2. Sandi didn’t qualify for the price of the home she wanted and couldn’t move to the neighborhood that Sandi wanted to raise her children in. Why? Because her payments for personal debts were factored into her debt to income ratio and thus lowered her buying power.
  3. The credit card interest that she paid on personal credit cards is probably not tax deductible. The interest paid on personal loans were not tax deductible. That’s a lot of money left laying on the table.

Business credit works differently.

  1. Applying for credit will not harm your business credit score.
  2. Maxing out business credit cards will not affect your business credit score.
  3. Interest paid on business credit cards are tax deductible.
  4. Interest paid on business loans are tax deductible.
  5. Other fees incurred on loans or credit cards are tax deductible.
  6. Credit card limits on business credit cards are usually 2 to 3 times more than applying for a personal credit card.

Can’t attend a Workshop? Call us for a complimentary appointment to see how we can help your business succeed. 205-352-3448

SUNDAY – MARCH 22, 2020 SIGN UP HERE FOR FREE WORKSHOP

TUESDAY – MARCH 24, 2020 SIGN UP HERE FOR FREE WORKSHOP

Business Finance Suite


Can’t attend a Workshop? Call us for a complimentary appointment to see how we can help your business succeed.


Regardless of your personal credit score we can coach you on building business credit. True business credit is not reported on your personal credit report. True business credit doesn’t require a personal guarantee.

Sandi’s Story

Sandi owns her own dental practice. To get started she used her personal credit to obtain much needed funds to open an office, buy equipment and other business needs. Sandi has 10 credit cards with high limits, so funding was not an issue. She used 85%-100% of her available credit on her cards and took out three internet personal loans.

Wondering what the problem is? After all, she has plenty of income from her business to repay her loans.

Here’s the problem….

  1. The more credit that she uses on her credit cards causes her score to decrease drastically. Using higher percentage of credit card limits causes credit score to plummet. Think of a see-saw…and that’s how it works. Max out card…score goes down. Pay 90% of the card balance and score goes up. We worked on her personal credit for several months, by shifting her personal credit card debt to credit cards obtained in her business credit, for her to be able to qualify for a home loan. Maxed out business credit cards will not affect your Paydex credit score.
  2. The credit card interest that she paid on personal credit cards is probably not tax deductible. The interest paid on personal loans were not tax deductible. That’s a lot of money left laying on the table.
  3. Sandi doesn’t qualify for the price of the home she wanted and couldn’t move to the neighborhood that Sandi wanted to raise her children in. Why? Because her payments for personal debts were factored into her debt to income ratio and thus lowered her buying power.

Business credit works differently.

  1. Applying for credit will not harm your business credit score.
  2. Maxing out business credit cards will not affect your business credit score.
  3. Interest paid on business credit cards are tax deductible.
  4. Interest paid on business loans are tax deductible.
  5. Other fees incurred on loans or credit cards are tax deductible.
  6. Credit card limits on business credit cards are usually 2 to 3 times more than applying for a personal credit card.

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Credit Repair: Enroll Online

  Let’s Get Set…GO! 1. 2. 3.           

1. Enroll online here

2.  $125 to for Credit Audit $59 monthly and client prints and mails your letters to the credit reporting agencies. ReScore Solutions will print and mail your letters for an additional $15 month.

3. Client must maintain credit monitoring cost with a 3rd party vendor. http://www.CreditScoreBoosters.com Be sure to read the information on this page so that you understand our services.  

3.  Click here to get started today!

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CARD INFORMATION:     You will be asked for your credit or debit card information. Your card will NOT be charged until you until after your Credit Audit and online account has been set up, which is usually within 2 to 3 days

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WHAT IS A CREDIT AUDIT?  This is the process of going through each credit report with Equifax, Transunion and Experian, to determine the following:  1.  Which accounts need to be addressed with the credit reporting agencies and/or debt collection companies.    2.  Address options to raise your credit scores.  3.  Consult with client on charge-offs, repossessions and other negative items being reported on reports.

creditreport

CREDIT MONITORING:  You must enroll for credit monitoring for 3 credit report monitoring service that we will provide a link to.  You will receive an email with a link to sign up for credit monitoring.  The company that provides the monitoring service is a 3rd party vendor and their charge in in addition to our charges.  WHY DO I NEED CREDIT MONITORING?  We MUST be able to update your credit reports every 30 days.  Without this service we can not proceed with credit repair.

After signing up for monitoring,  please send your login information to: Dana@ReScoreSolutions.com

24/7 ONLINE FILE:  Your credit reports will be reviewed and your online file will be created.  You will receive login information so that you can view your progress.  Your letters can be viewed, downloaded and printed from this portal.

MAILING LETTERS:  Letters are drafted, by us, every 30 to 35 days and are mailed to the credit reporting agencies.  You will be responsible for printing and mailing your letters to the credit reporting agencies, debt collection companies or any other letters that need to be mailed. If you had rather have ReScore Solutions mail your letters there is a charge of $5 for each letter to the credit reporting agencies. Usually 3 letters are mailed for a total cost of $!5.

$15 for Certified mail when needed.  Certified mail is always used when mailing to debt collection companies.

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Register for our free DIY credit repair workshop. 

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WANT A CUSTOMIZED APPOINTMENT WITH GALE?

The services listed above are for those that will sign-up online.  If you are not interested in signing up online or feel that your situation needs customized attention you can schedule an appointment to meet with Gale Kirkpatrick, the owner?   

Contact us at 205-352-3448  There is a $199 personal credit audit fee for 1.5 hour meeting.  A $50 retainer is payable at time of appointment and is non-refundable if a no-show.  The remainder of $149 is due at your appointment once you enroll in our services.  Gale will be your personal account representative throughout your process.

  1. You will need to sign up for credit monitoring at http://www.CreditScoreBoosters.com.  Gale must have this several days before your appointment.
  2. Gale will go over your credit report during your meeting.
  3. A customized plan will be designed to assist you.
  4. The appointment is up to 1.5 hours. Please arrive 10 minutes early. Ie:  appointment is scheduled for 10:30 to 12:00.  You arrive at 11:00.  Your appointment will be 1 hour.

This $199 amount will be applied to your Credit Audit fee of $399. if you choose to sign up.

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Instant Credit Score Fixes

We all want better credit scores.  Sometimes that seems like an impossible goal.  Knowing how to get there is the secret in the sauce.

You may have found out the hard way that your credit score had taken the plunge, such as when you applied for a home loan, auto loan or credit card.  However it happened I’m sure it was a disappointment to not get the credit that you so needed.  unhappy person

Many times people take advice from family, friends or co-workers on how to raise their credit score or repair their credit.  One person will tell you how their uncle got 2 (two) secured credit cards and within a few months bought a house.  It may have worked for the uncle…I don’t know what his credit report looked like.  Which is the same reason why you don’t need to take advice from someone that really doesn’t know enough about the subject to teach you about it.

Well anyway, let’s move on and get to the reason that you are reading this blog…so here we go…

INSTANT CREDIT SCORE FIXES

  1.  Become an Authorized User on someone’s credit card.  Before you do this be aware of a few things. 
      1. The card does not need to be running a month to month balance of more than 10% to 20% of the card’s credit limit. 
      2. The card does not need to have a history of late payments, especially recent late payments within the last 2 years. 
      3. You will not be liable for the debt.  Even if the card is included in bankruptcy, charged-off or in collections, an Authorized User is not responsible for repayment.  With this said, if you used the card and made a debt, be an upstanding person and pay the debt.  If at anytime you want to be removed, have the card holder to call and have you removed or you can write the credit reporting agencies and ask that the account be removed from your credit reports.
  2. Make 2 payments per month to your credit card.  Split your payment in half and pay half right before the statement end date and the other half of the payment before  the due date.  This will also help in not paying as much interest.
  3. If you come into any cash, pay down revolving credit first.  Revolving credit many times has the highest interest rate and the more of your credit card’s limit that you use the lower your score will go.  It works like a see-saw.  If you don’t have credit card debt, then pay down educational loans.  This hurts your score when they are in deferment, due to the balance going higher than the original amount borrowed.  

It will usually take 2 to 5 weeks before your scores will change due to when the creditor reports to the credit reporting agencies.  This is where monitoring your credit can be important.  You can get credit monitoring by going to www.creditscoreboosters.com and signing up.  The reports update every 30 days as well as your three credit scores.

Do you need your credit repaired?  Call us.  We can help for $15 a month.  205-352-3448

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Remember, building good credit takes time.  Taking care of credit takes a lifetime.

The Truth on Paying Collections

The Truth on Paying Collections

 

Why do your credit scores drop when collections are paid?  That’s right, fact is stranger than fiction. We have reviewed credit reports that scores have fallen from a few points to well over 100 points after paying just one or multiple collection accounts to a zero balance. So here’s the other question.  How does one avoid damaging their credit scores while trying to pay their past due bills?  Be sure and continue reading this article to learn more.

Our society has taught us that if we pay our bills that all will be well. And that should be the truth, but not necessarily when it comes to collections listed on your credit report. If the collection is not listed on your credit report, then paying it will not have any affect on your credit scores. (but that’s a different blog for a later date).

Why you should be concerned about paying debt collection companies.  May times you may NOT owe the collection or at least the amount that they are attempting to collect.  WHY?

  • The debt collector may not collect more than you owe.
  • The debt may be too old to collect.
  • The statue of limitations for collecting debt varies from state to state, but Alabama is 6 years from the last payment made.  If no payment was ever made, then it is probably when the debt first occurred.
  • It may belong to someone with the same name as yours.
  • It may have been filed incorrectly with the insurance and you may owe something but not all of what the debt collector is trying to collect.
  • The U.S. Fair Debt Collection Practices Act says collectors can add fees or interest only if the amount is “expressly authorized by the agreement creating the debt or permitted by law.”

There are several reasons why it may not be yours.  Did you make a debt with the debt collector? No you didn’t, but they can legally purchase or collect on the debt as a third party, but you have the right to validate that the debt is completely correct and is yours.

 

ReScore Solutions validates debts and balances all the time for our clients.  We are very successful in getting debt collections removed from credit reports and sometimes the time our clients will never have to pay them.  No, we aren’t trying to help people avoid paying their bills, it’s just that you have the right to have the debt validated and pay only what you owe.

If I called or sent you a letter and said that you owed me $500, would you just pay me?  If you have never done business with me you need me to prove that you owe me.  The same principle with paying a debt collector.

You may get a tax refund and decide to repair your credit by paying all those collections that are reporting on your credit reports.  The feeling is great to get all those collections paid, but short lived when you apply for an auto loan, mortgage, or credit card and told that you are declined.  I can hear you now, “But, but, but I don’t understand, I have paid all those negative accounts on my credit reports.” Guess what?  It’s actually surprising to learn that paying off collections will actually lower credit scores.

credit mistakes

Here’s why….

Collections are usually reported on the credit as a “9” status or collection account. This means the account has already been “written off” and assigned to collections by the creditor.  Once an account is reported this way on the credit report, the damage to the credit score is irreversible, unless that item is removed completely from the report.  That’s where our services are so valuable.  We handle all of this for you and watch for any violations of the Fair Credit Reporting Act and the Fair Debt Collect Practices Act.  These laws are very powerful and are working for you.

If the account is paid off, the collection company will report that the account now has a $0 balance, but usually will not delete the item off the report.  It’s actually legal for a debt collector to continue to report a paid collection.  The account has already become a collection, and the risk of the consumer defaulting on another account is already very high, due to that collection.

So your credit score will not go any higher if it is paid off, because paying off a collection after the fact, doesn’t lower the risk of defaulting in the future.

However, the DATE OF LAST ACTIVITY is updated to the date the account was paid off. So if that account was sent to collections 3 years ago, the date of last activity is 3 years old and the impact to the credit score is not as much.  But if you, the consumer pays off that collection today, they just update the date of last activity to today’s date, sometimes causing the scores to go DOWN as a result.

Crazy isn’t it? You are trying to do the right thing and pay off collections, but your scores can be lower as a result.

ReScore Solutions is very successful in getting paid and unpaid collections removed from credit reports and many times our clients will never have to pay them.  We use a factual dispute process to get these removed.  We get far more collections deleted than not. But when the collection is properly validated, we can help our clients work with collection companies to have their negative item removed completely from their report, if they pay it off.  This will help their credit while satisfying the collection company.

If we can’t assist in getting the collection deleted for payment we will determine what course of action needs to be taken, if any.

Click Here to help understand how Bob got his credit improved.

 

 

Fill out the above form to have a sales representative contact you about getting started with getting your credit back on track.  You pay after work has been completed and we have payments as low as $100 a month for individual and discounts for couples.

family in safe neighborhood
Financial peace of mind….good credit.

 

 

Credit After Foreclosure

Call reScore Solutions (a Kirkpatrick & Associatescompany) if you have had a foreclosure and ready to purchase another home.  We can advise you of your rights and help you rebuild your credit.

Foreclosure in Alabama
Had a foreclosure?

If you have recently experienced a foreclosure or short sale, it is important to know the effects those events will have on your credit report and credit scores.  You may be concerned about being able to qualify for another mortgage, car loan or even a credit card.

Yes, you can #regain your credit status.  This is where we can help you in rebuilding your credit and credit scores.  Let’s take a look at some valuable information regarding your credit after a foreclosure.  Even with this information, it can be confusing to how and when to rebuild.  There are many loan and credit card companies that are ready to capitalize on your situation and charge exuberant fees and interest rates to “help” you rebuild.  Here, at Kirkpatrick & Associates, we can help guide you through the process without you paying those loan sharks.

  1. Question: I was told that I would not be able to have credit for 10 years after Bankruptcy and not sure how long after a foreclosure.

Answer:  A Bankruptcy can remain on your credit reports for up to 10 years, but you can rebuild your credit immediately after your Bankruptcy is dismissed.  With re-established credit and credit scores, you can purchase a home after 2 years of Bankruptcy, that did not include a foreclosure and 3 years with a foreclosure.

2. Question:  How will your FICO score consider a foreclosure?
Answer:   There’s no denying that foreclosures are considered a very negative event by your FICO score. With that said, it’s a common misconception that a foreclosure will make it impossible to rebuild your credit. In fact, if you keep all of your other credit obligations in good standing, there’s a good chance that your FICO score could begin to rebound in just 2 years. Try to pay your auto loans, credit cards and any other credit obligations on time to limit the effect of this foreclosure.  [FICO.com]

3. Question:  Are other options better for my credit standing?
Answer:  Recently, several alternatives to foreclosure have become popular – some of these include “short sales” and “deeds-in-lieu of foreclosure”. These may be viable options for you, and you should definitely do research to determine if these options make sense for your situation. However, as far as your FICO score in concerned, there is no difference between foreclosures and short sales or deeds-in-lieu of foreclosures. Each of these actions is considered an account that was “not paid as agreed”, and will have the same impact to your FICO score.  [FICO.com]

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Rebuilding your credit without the high fees and interest rates.

4. Question:  How long will a foreclosure affect my FICO score?                                                                                               Answer:  A foreclosure remains on your credit report for 7 years, but its impact to your FICO® score will lessen over time. While a foreclosure is considered a very negative event by your FICO score, it’s a common misconception that it will ruin your score for a very long time. In fact, if you keep all of your other credit obligations in good standing, your FICO score can begin to rebound in as little as 2 years. The important thing to keep in mind is that a foreclosure is a single negative item, and if you keep this item isolated, it will be much less damaging to your FICO score than if you had a foreclosure in addition to defaulting on other credit obligations.  [FICO.com]

Thank you for allowing us to help your with your current credit issue.

Our number is 205-352-3448 Monday – Friday 8:30 to 5:00.  We value our patrons and do our best to answer every call.  If we are not available, the receptionist will be happy to forward your call to voicemail.  Please leave a message or email Gale@ReScoreSolutions.com

Understanding Credit Scores

ReScore Solutions can assist in improving the worst credit scores and even improving healthy credit scores.  Higher credit scores means paying less in interest rates.  Lower credit scores will result in higher insurance premiums and higher interest rates.   approved for credit card

FICO, or Fair Isaac Corporation, has been the leader in credit scoring since the 1950s. The FICO score is used by more than 90% of lenders and is considered the industry standard. Your score will range from 300 to 850, the higher the better. It is calculated as follows:

FICO Scores
How credit scores are calculated

Have you ever been turned down for a loan or an apartment lease and wondered why? It could be due to your credit history. Let’s face it–our credit says a lot about who we are. It is our financial report card, and can affect many aspects of our lives.  If you are experiencing being turned down and high interest rates call us today.  We can help you rebuild your credit and raise your credit scores.

HOW DOES CREDIT WORK

When you apply for credit (say a loan or a credit card), the lender has to decide if you are a good candidate for receiving the loan. The lender’s decision is based heavily on your credit history. They have to assess the level of risk involved if they are to extend credit to you. If you have displayed a poor repayment history, it is less likely that you will be approved for the loan or a line of credit.

The data available through the credit reporting agency that’s been selected to calculate your score (Equifax, Experian or TransUnion) will determine that three-digit number, whether that data is right or wrong. That’s why it is so important to review your credit reports; at a minimum get your free credit reports from all three bureaus once a year look them over to determine if all of the accounts are yours, any late payments that aren’t accurate, liens or judgments that aren’t yours or updated as paid.

One of my former clients did not realize that he had a judgment on his credit reports that was not his.  Mr. Smith’s daughter had provided his name as an emergency contact for the apartment she ;had previously rented.  She defaulted on the apartment rent and was sued and she paid the judgment through a payroll garnishment.

Although this had been taken care of the apartment management placed the judgment on Mr. Smith’s credit reports.  It was illegal and had affected his chances of getting a loan.  We were able to take care of this and had it removed within 35 days or less.

Since the three agencies don’t share information with each other, you’ll want to check all three. After all, you never know which reporting agency a lender will use to obtain your score, so you want all of them to be as accurate as possible.

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Rebuilding your credit without the high fees and interest rates.

FREE CREDIT SCORES

In an effort to obtain your credit score for free, you may have signed up with Credit Karma or Credit Sesame. But then you applied for a credit card or car loan and realized your FICO score was different than the free score. Why is this?

Both Credit Karma and Credit Sesame calculate your credit score based on proprietary scores from two of the major credit reporting bureaus. However, this is not the same thing as a FICO score. Instead of using the FICO algorithm, the bureaus use their own algorithm for free scores.

Does Checking Your Own Credit Lower Credit Scores

Checking Your Own Credit Does Not Affect Your Credit Score
Your credit scores are determined by formulas that assess your creditworthiness. Lenders evaluate the risk of extending credit to you in part by using credit scores, which measures your credit risk — namely, how likely it is that you’ll pay them back and pay on time. Credit scores constantly adjust as the information in your credit report changes. You’ll benefit from knowing your Experian, Transunion, and Equifax credit scores and keeping track of changes and setbacks.
A credit score is an additional service that can be requested when getting your credit report. Along with your credit score you will know what factors influence your risk.
Credit reports have mistatkes
Repair your credit reports and scores. We provide free credit report review.

SOURCE:  Experian website

Job Hunting for 50+

Does your age shut you out?  Looking for a job?  For those in the 50+ age bracket, you may have found that the economy in 2008 may have affected you too.  You may have taken an early retirement or was let go.  You were possibly in your 40’s or early 50’s at the time, well experienced in your field and thought that it would be fairly easy to move on in the work force.  You may have found that finding steady employment has been more than a daunting task.

Then too, there’s a perception that people over 50 or 60 will be just passing through as a transition into retirement.  Employers are reluctant to hire someone they think will be out the door in a year or so.

The fact is that compared to their younger colleagues, workers with a few decades of experience under their belt are typically better problem-solvers and people -managers and have honed leadership skills over time.  I know that I am preaching to the choir, but you need to show that to potential employers.

Here are several strategies that can help you fight back against stereotyping and discriminating against individuals or groups on the basis of their age.

new life in retirement

1.  Ask for help and advice

Networking is just one letter off from not working.  In this era of online resumes, it’s all about who you know that can get you in the chair for a face-to-face interview.  When companies are looking for new employees, they rely on employee referrals.  In 2011, employee referrals accounted for 28% of new hires, followed by job boards 20.1%, career pages on company web site.

You need to pick up the phone and call everybody that you know, ever knew, ever worked with and every employer that you ever worked.  That’s the way to get an interview.  You need to establish personal connection to the company.

2.  Brainstorm

Call or sit down with a spouse, friends, neighbors, church friends and ask for help.  Write down the names of previous employers and former colleagues, immediate and extended family.  Don’t be embarrassed to call family members when you’re out of work.  Get over it.  Call friends, people in your place of worship, athletic club, volunteer organizations, parents of children’s friends.

If there is a particular industry you’re hoping for, join an association affiliated with it and seek out volunteer opportunities.  Attend industry and professional meetings and conferences.

College and university placement offices are there to help no matter how long ago you graduated.  Seek out career centers operated by your area colleges or lacal lgovernment agencies offering career counseling, workshops on resume writing, job fairs and retraining programs.

Don’t be timid.  You have to take the risk of picking up the phone and having someone to say no, and maybe.  No matter how good your resume might be, unless it helps you get a face-to-face interviews with hiring managers, your efforts are wasted.

3.  Market your age as a plus

It’s all in marketing.  Brand yourself.  You are responsible for your own image.  Workers 50+ tend to be self-starters, know how to get the job done, and don’t need as much handholding as those with less experience.  A great benefit to being older is that you have a good deal of knowledge and leadership ability.  So pitch your age as a plus.  You need to be able to articulate your value.

4.  Roll with the latest technology.

If you don’t have core technical skills, check out your local libraries, community colleges and other venues where training is offered.

Take the time to get savvy with the following:

  • Smartphones
  • E-mail
  • Computers
  • Social networking
  • Video interviews
  • Web navigation skills
  • Employer web sites and Google alerts
  • Learn the latest resume tricks
  • Fine tune your interview skills
  • Don’t be a know-it-all with a chip in your shoulder
  • Look your best and make sure that you are styled
  • Practice positivitycouple over 50

There are opportunities available for those needing extra money.  Depending on work experience, here are are a few to consider.

  1. Librarian Assistant/Aide
  2. Alumni Event Planning
  3. Bookkeeper
  4. Personal and Home-Care Aide
  5. Handy Jack / Handy Jill (odd jobs)
  6. Medical Assistant
  7. Project – Based Consultant
  8. Blogger
  9. Personal Assistant
  10. Athletic Coach / Umpire / Referee
  11. Teacher’s Aide
  12. Tour Jobs
  13. Convention Center Jobs
  14. Pet Groomer
  15. Wal-Mart Greeter
  16. Limo Driver
  17. Shuttle Bus Driver on Campus
  18. Tax Preparer
  19. Tutor
  20. Park Service Employee
  21. Nursery Worker
  22. Pet Sitter
  23. Amusement Parks
  24. Athletic Event Ticket Services
  25. Call Center Representative
  26. Restaurant Greeter
  27. Hairdresser
  28. Car Transporter
  29. Travel Nurse
  30. Cruise Liners has a full array of jobs and some hire couples
  31. Realtor

Great Holiday Jobs

  1. Santa Claus
  2. Retail Sales Cashier
  3. Retail Salesperson
  4. Product Demonstrator
  5. Holiday Decorator
  6. Package Delivery

Landing a holiday job:

  • Stop by for a face-to-face
  • Offer future help
  • Be flexible
  • Network
  • Go where they know you
  • Don’t wait for a help-wanted sign

Great Snowbird Jobs

  1. Resort Hospitality Worker
  2. Resort Services Worker
  3. Disney “Cast Member”
  4. Second Home Property Manager/Concierge
  5. Hairdresser
  6. Spring Training Staff for Major League teams
  7. Car Transporter
  8. Travel Nurse
  9. Cruise Liners has a full array of jobs and some hire couples

Work at Home Jobs

best-work-at-home-jobs-for-older-workers
Work from home
  1. Translator-Interpreter
  2. Legal Mediator
  3. Graphic Designer
  4. Writer/Editor
  5. Blogger
  6. Grant/Proposal Writer
  7. Virtual Customer Service Representative
  8. Virtual Assistant
  9. Online Tutor
  10. Crafter
  11. Direct Sales such as Mary Kay Cosmetics, The Pampered Chef, Tupperware, Avon, Cutco, Stanley Home Products and Silpada.

Retired Teachers

  1. Personal Trainer/Physical Conditioner
  2. University Bookstore Retail Specialist
  3. Adjunct Professor/Instructor/Lecturer/Visiting Professor
    Retired and tutoring
  4. Substitute Teacher
  5. Career Center Counselor
  6. Market and Survey Researchersretired and tutoring

Nonprofit Jobs

  1. Administrative Assistant
  2. Volunteer Manager  to bring awareness to the non-profit’s cause
  3. Marketing/Communications Manager
  4. Fundraiser

Soul-search for the issues that you care about.  What skills do you have to help move into the sector.  Research the nonprofit world and understand what you can do for the specific field you’re getting into.  Volunteering first can give you an insider’s view and networking contacts that may lead to a job.

Consider taking a course to fill in any holes in your background.  Credentials help in the nonprofit world.

Find work that keeps you happy and healthy….and pays the bills.

We find that many people in or nearly in their retirement years are using credit and credit cards to supplement their income, thus causing debt that can not be recovered from.  We at reScore Solutions may be able to help.  Call us today for a free credit report evaluation.  If we can’t help you, we have a pipeline of professions in many industries that may be able to save your home, save your credit and assist in other avenues.  205-352-3448

Additional information regarding this blog can be found in the book: AARP Great Jobs For Everyone 50+   By Kerry Hannon

 

I DO and Bad Credit

birmingham red bride100dpiIt’s been so exciting planning the Special Day!  You had a beautiful wedding, the guest celebrated with you, the cake was eaten, the limo whisk you off for the beginning of a relaxing honeymoon, but wait…what about your credit!

After the honeymoon the real fun begins-starting your life together. From a financial standpoint, that involves exciting stuff like buying a home and trading in your sports car for a minivan (okay, maybe not everyone thinks minivans are exciting).

Your FICO scores are a big part of many of your financial decisions now that you are a couple.  Here are a few important facts regarding your FICO scores.

  • You both have individual FICO scores.  You do not have a joint score.
  • When applying for a loan and stating both incomes, the lender will only look at your individual scores when evaluating your loan application.
  • Joint accounts, such as  credit cards or auto loans will affect both of your scores

pink-house-hi When applying for a home loan lenders look at the three FICO scores from Experian, Equifax and TransUnion and your middle score is the score that your approval is based on.

Let’s say that Bob and Sue are married.

  • Bob has poor credit and Sue has good credit.
  • Bob makes more money than Sue.
  • Sue’s income qualifies for a 100K home and Bob’s income qualifies for 300K home, but they want to purchase a home for 375K.
  • Bob would not qualify for a loan because of his low scores.
  • Sue’s credit would qualify her for any home providing that her income is sufficient, but all that she can purchase is a 100K home.
  • Sue can NOT use his just his credit and just her scores.
  • Bob can not use just her credit and just his income.

So what can Bob and Sue do so that they can purchase the home of their dreams?

Call reScore Solutions!  We can evaluate Bob’s credit reports at no charge and identify the accounts, collections and overall credit to be repaired, deleted or paid.  We can save you money using our techniques in getting your credit scores lender-ready.

Watch video by clicking link below and see how Bob get’s started on getting his credit back on track.

http://www.kirkpatrickassoc.com/Services.html

Marriage and credit score myths.

  1. Our credit reports will merge together when we get married.   NO
  2. Marriage will lower my credit scores.  NO
  3. When I change my last name my credit history will be erased or deleted.  NO
  4. My spouses poor credit will hurt my credit scores.  NO
  5. I will automatically become a joint user or authorized user of my spouse’s accounts. NO
  6. You will be responsible for your spouse’s previous debt.  NO
  7. Being unemployed while raising children will damage my credit score.  NO
  8. Having a good job improves my credit score.
  9. My spouse filed Bankruptcy and now my credit will be ruined too.  NO
  10. Since we are married, any loans or accounts that we get must be a joint account.  NO
  11. Whew!!  I don’t have to worry about my spouse’s credit.  NO.  This will affect you when you want to purchase a home or other large purchase that both incomes will be needed to qualify.  If you are a co-signor on any accounts or loans with your spouse, you are equally responsible for those obligations as your significant other. Any mishaps, such as a missed payment, will reflect poorly on both of your credit reports.  

So while you were reading the credit score myths, Bob’s credit was repaired and his credit scores are improved.

Being that Bob’s credit is repaired they can now buy the home that they need.  Bob and Sue are now happy and recommend ReScore Solutions to their friends and lived happily ever after.happy couple glad their credit is repaired

 

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Our Mission

Our pricing is simple.  $15 to get started and $15 a month.  We want to make it affordable for anyone.

We assist with the following:

  • Credit repair.  
  • Coaching start-up business owners and established businesses in building business credit that is not linked to your SSN.  Regardless of personal credit.’
  • Business funding even for start-ups.
  • Collections.  Wait before paying collections.  It is very important that collections are validated as 100% correct.
  • For rent-by-owner credit report analysis.  No charge to landlord.
  • Available for teaching and speaking engagements.
  • Available for speaking at home-buying seminars.

ReScore Solutions is a business that was founded by Gale Kirkpatrick with a goal to educate people about credit and assist with credit related issues. Many people don’t understand how to repair the problems once they fall into collections or find inaccurate information on their credit reports.  We find that many people have never seen their credit reports until they are turned down for a loan, be it for a home or something else.  credit reports

 Sign up for nearly FREE credit repair today!  CLICK HERE

We specialize in assisting people throughout the home buying process. Buying a home is totally different than anything else that a person will purchase.  It requires knowledge of FICO scores and lender qualifications to be able to get your credit prepared for the best possible mortgage rates.  Providing that our client follows our plan, this can be accomplish for you.  pink-house-hi

 

 

Regardless of the reason that your credit needs to be restored, we are here to help you.  Your can be rest assured that we are the no judgement place to be and your information is confidential. zipped lips

Many people need their credit repaired to qualify for the following:

A new or better job

Purchase a home

Apply for business credit

Credit cards

Auto loan

Reduce their rates and insurance premiums 

 Whatever the case, call us.  We are here to help.

gale black background nov 19

 ReScore Solutions is based right here in Birmingham, Alabama. Since our company opened its doors, we’ve treated every customer like they were a part of our family. Other companies may offer similar services, but our services are the best, and come with a personal touch. 

Sign up for nearly FREE credit repair today!  CLICK HERE

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How Bob got his credit repaired.

Want to know more about getting started in getting your credit repaired?

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Business Credit and Funding

START-UP BUSINESS

ESTABLISHED BUSINESS

Can’t attend a Workshop? Call us for a complimentary appointment to see how we can help your business succeed. 205-352-3448

Call us today.  We can assist start up and established businesses obtain credit cards, net 30 accounts, auto loans and funding regardless of personal credit scores.  In fact, personal credit is not needed.

Protect your personal assets.  Avoid using your personal credit cards, 401K, second mortgage, borrowing from parents or friends or obtaining personal loans to start, grow or expand your business.

I am very passionate about this because I have been affected by using my personal credit and assets and risking it all due to economic downturn.  Don’t make mistakes…make responsible decisions to protecting your family from loss.

Cartoon Hand Pick Money

Check out Kirkpatrick & Associates on Yelp

Can’t attend a Workshop? Call us for a complimentary appointment to see how we can help your business succeed. 205-352-3448