Financial Folly: Why Seven Smart Financial Decisions Will Lower Your Credit Scor

Description: Financial Folly by Dan Ridenour Estimated delivery 3-12 business days Format Paperback Condition Brand New Description A smart financial decision can create a very negative result to a personal credit score. Unfortunately, most consumers are not aware of these penalties and therefore do not avoid them. Heres an example I remember from a client of mine named Karen: She went from 662 to 593 in 81 days. What had she done? In a well-intentioned but ultimately costly move, she had accepted a "zero interest for 6 months" offer. She didnt want to utilize her current Visa at 19% believing that the rate was too high. That was the well-intentioned part - 0% interest instead of 19% interest- but the Credit Scoring System doesnt know what interest rates you or I or Karen pays....nor does it care. Her score dropped 81 points. Is it smart to pay 0% interest instead of 19% interest? Absolutely. Can that action, even if smart, lower a credit score? Absolutely. This book is about the Financial Folly that consumers all across America experience simply for making smart financial decisions. Seven of these smart financial decisions are described in detail so that consumers can better understand the negative impact that will occur and can avoid "accidently lowering their own credit scores". Lower scores can cost consumers hundreds or thousands of dollars each year in additional interest, higher insurance premiums, and missed job opportunities. Learn the truth about these seven smart financial decisions. Author Biography Dan Ridenour, CBA is the founder of the CBF Institute, which is a credit education company. CBF Institute studies the impact of Credit, Budgets, and Financials on consumers and provides "Do Credit Right" solutions including specialized trainings, seminars, study materials and personal coaching. Dan Ridenour attended IUPUI, earned his CBA designation through NACM and has 28 years of credit / lending experience which includes serving as: President and COO of NACM Great Lakes Region, Inc. (National Association of Credit Management) Assistant Director of BNI-Indiana (Business Network International) National Sales Manager for EQ Financial, Inc. Regional Vice President with Credit Depot, Inc. Assistant Vice President of Indirect Lending with EquiCredit Corporation Assistant Vice President of Indirect Lending with Old Stone Credit Corp. Plus numerous branch management / underwriting positions. The author of three books on credit, a speaker at numerous training events / conventions and having personally reviewed more than 14,000 consumer or business credit bureau files, Dan Ridenour is considered by many as the most effective COACH to CONSUMERS who desire to "protect" their credit score from unforeseen disaster or "increase" a credit score fast! Anyone can INFLUENCE THE CREDIT SCORE and Dan teaches people how. Details ISBN 145630576X ISBN-13 9781456305765 Title Financial Folly Author Dan Ridenour Format Paperback Year 2010 Pages 144 Publisher Createspace Independent Publishing Platform GE_Item_ID:46763693; About Us Grand Eagle Retail is the ideal place for all your shopping needs! With fast shipping, low prices, friendly service and over 1,000,000 in stock items - you're bound to find what you want, at a price you'll love! Shipping & Delivery Times Shipping is FREE to any address in USA. Please view eBay estimated delivery times at the top of the listing. Deliveries are made by either USPS or Courier. We are unable to deliver faster than stated. International deliveries will take 1-6 weeks. NOTE: We are unable to offer combined shipping for multiple items purchased. This is because our items are shipped from different locations. Returns If you wish to return an item, please consult our Returns Policy as below: Please contact Customer Services and request "Return Authorisation" before you send your item back to us. Unauthorised returns will not be accepted. Returns must be postmarked within 4 business days of authorisation and must be in resellable condition. Returns are shipped at the customer's risk. We cannot take responsibility for items which are lost or damaged in transit. For purchases where a shipping charge was paid, there will be no refund of the original shipping charge. Additional Questions If you have any questions please feel free to Contact Us. Categories Baby Books Electronics Fashion Games Health & Beauty Home, Garden & Pets Movies Music Sports & Outdoors Toys

Price: 25.55 USD

Location: Fairfield, Ohio

End Time: 2024-10-14T16:52:26.000Z

Shipping Cost: 0 USD