CrediClear Financial Group credit repair restoration clear creditclear score enhancment Clear Your Past, Brighten Your Future!
With CCFG, the Credit Doctors!
Living Debt Free
Living Debt Free ..
and keeping a Credit Score!!
Debt Free Life is a great goal, that many have reached, and others strive for. But there is a potential problem until you actually have the cash on hand in case you need to purchase a car, truck, or home.. when the time comes.
You see, every 7 years items are removed from your credit report. That is, if you pay off a car today, in about 7 years, it will be removed from your report. If you go debt free for 7 years, your reports look like you never borrowed money, and your score drops to a point at which you can't borrow money if you need to. And you never know when you may need to.
So, here's what the pro's recommend:
a) Keep a credit card, and just charge a tank of gas on it once in a while to keep it active.
b) You will buy a vehicle every few years anyway, borrow money on the vehicle, keep the note for at least 6 months, then pay off the note.
c) A mortgage is a major credit score factor, and usually the last thing people pay off. Most mortgages have a 2 or 3 year prepayment penalty, so you can't cost effectively pay it off before that. If you get a Mortgage for a new home, get a 30 year fixed rate, and really accelerate the payments, to pay it off in 7 to 10 years. Essentially debt free, and a real equity builder!
and keeping a Credit Score!!
Debt Free Life is a great goal, that many have reached, and others strive for. But there is a potential problem until you actually have the cash on hand in case you need to purchase a car, truck, or home.. when the time comes.
You see, every 7 years items are removed from your credit report. That is, if you pay off a car today, in about 7 years, it will be removed from your report. If you go debt free for 7 years, your reports look like you never borrowed money, and your score drops to a point at which you can't borrow money if you need to. And you never know when you may need to.
So, here's what the pro's recommend:
a) Keep a credit card, and just charge a tank of gas on it once in a while to keep it active.
b) You will buy a vehicle every few years anyway, borrow money on the vehicle, keep the note for at least 6 months, then pay off the note.
c) A mortgage is a major credit score factor, and usually the last thing people pay off. Most mortgages have a 2 or 3 year prepayment penalty, so you can't cost effectively pay it off before that. If you get a Mortgage for a new home, get a 30 year fixed rate, and really accelerate the payments, to pay it off in 7 to 10 years. Essentially debt free, and a real equity builder!
$49 Enrollment, $200 on Installments!
No Interest Charges or Carrying Fees!
That's CCFG's Total Fee! Limited Time Offer!
In 2008 this was a deal at $795,
and we still have no per item charges!
This is our Bailout Special, a far better deal than
Buy One, Get One Free!
Get your own Stimulus Package started today!
Enter Your Special Pricing in the Blanks Provided on the
Application Form.
Let's Do It, Get me an Application!
No Interest Charges or Carrying Fees!
That's CCFG's Total Fee! Limited Time Offer!
In 2008 this was a deal at $795,
and we still have no per item charges!
This is our Bailout Special, a far better deal than
Buy One, Get One Free!
Get your own Stimulus Package started today!
Enter Your Special Pricing in the Blanks Provided on the
Application Form.
Let's Do It, Get me an Application!
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We do not share any of your personal information with any outside source. CCFG Credit Repair will not sell your name, address, phone number, or email address to anyone for any reason. And we won't call you or send you an email every week to entice you to join up.
