Testimonials

"I want to express my appreciation for the process that CCC has employed to help me eliminate my debts. At the time I began with the program, I couldn't see a way out. In just a little over four years, however, CCC was able to help me get out of debt completely.

Furthermore, during that time, I learned how to live on a budget and how to save for the things I want. In short, I learned how to live without credit cards. I would like to thank CCC for the help you have provided in enabling me to achieve this new financial freedom. I have and will continue to recommend CCC to friends and acquaintances that find themselves in situations similar to the one in which I found myself four years ago."

T G. Brown
Ann Arbor, MI

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This Money Tips Column is made possible through the generous support of Christian Credit One.
You’ve been Declined Credit—Now what?

Banks and lenders can decline a credit application for a number of reasons. Perhaps your credit score was too low, you have too many debts, not enough salary, too many delinquent accounts, or a bankruptcy. Sometimes there could be errors on your credit report that would cause a lender to refuse credit, or even contain someone else’s negative information. Whatever the reason, the lender must tell you the reason or reasons for their decision. They should also tell you the name of the credit bureau they used.

Get a copy of your credit report
It’s definitely worth the time and effort to review your credit report before you apply for a loan or if you are declined credit. You’ll see all the information a lender will see to make a determination regarding your credit worthiness. In addition, it will help you understand why you were declined, giving you the power to change it. Check for inaccuracies or fraudulent activity and work to remove them.

Tips to remember
·          Once you’ve been declined, don’t apply repeatedly, hoping things will change. Each inquiry will be noted on your credit report, possibly affecting future applications. The best approach is to first figure out why you’ve been denied credit, so you can fix it.
·          If an account has been paid in full, such as a car loan, but it isn’t shown on your credit report, follow-up to get the updated account information.
·          If a bankruptcy order, or other public record, has been discharged or annulled but it isn’t indicated, contact the credit bureau to have your report updated.
·        If a company has requested your credit report more than once in response to only one application, ask them to amend it.

Once you’ve reviewed your credit report and made any necessary corrections, the rest is up to you to maintain and/or improve your credit score, which will improve your chances to obtain credit.

Improve your score:
·          Pay your bills on time—this cannot be stressed enough! If you can’t do this on your own, it may be wise to contact a credit counseling organization for budgeting tips and a more systematic way to pay your bills, such as a debt management plan.
·          Keep your balances low—don’t max out your cards. Even better, stop charging!
·          Pay off debt rather than moving it around to other credit cards.
·          Keep old accounts even if you no longer use them, rather than closing them. 

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Christian Credit Counselors, Inc. is a national, non-profit organization dedicated to helping consumers achieve financial wellness through counseling and education. Established in 1994, Christian Credit Counselors has helped over two million individuals achieve financial security. Christian Credit Counselors is one of the top members of the American Association of Debt Management Organizations (AADMO), Christian Credit Counselors manages clients across the country. Personalized and confidential consultations are available in person, by phone or online. Visit Christian Credit Counselors or call 888-767-9155.

Greg McTaggart, Certified Credit Counselor with 22 years experience, licensed by AFCPE, Director of Christian Credit Counselors and is an expert in budget and credit counseling. Having the combined experience as a licensed Real-estate salesman, Mortgage Broker, Real-estate Broker, Notary, Ace Member of the Cincinnati Credit Executives, Mortgage Assistance Counselor and Spokesperson of the radio talk show “The Money Mentor”, Greg McTaggart is a qualified Christian Credit Counselor to help you.

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