While goals have many positive attributes, I want to focus on the three key components of the most effective goals. I like to call this the ‘anatomy’ of a goal. Similar to the function of the human anatomy, if one of the key parts is missing, the system will not work as it should.

The first component of an effective goal is that it is extremely specific. There is no such thing as overkill here. Not just a new job, but what town will it be located in? At what exact address? What will your title be? How many people will report to you? What will your office look like, the color scheme, size, number of windows? The more specific the better. The biggest mistake people make in writing their goals is that they are too vague. Writing specific goals makes them appear more real from the start.

The second component of an effective goal is that it is stated in the present tense. Don’t use phrases like ‘I will’ or ‘I want to’ when writing your goals. Instead, state a goal as if you were living it right now in present day. For examples of this, review the properly written effective goals on page 7. You’ll notice that these goals are vivid, specific, and written as if they were occurring right now! Well stated goals like these can be powerful motivators on your path to success!

The third component of effective goals is that they are always written! If a goal is worth pursuing, it’s worth writing down, don’t you think? You will be more accountable to yourself for getting them done if you write your goals down on paper! Remember, if it’s worth pursuing, it is worth writing down! This is a crucial step along the path of success and an important part of what it takes to create effective goals.

You now have seen how important credit is to your daily life. You have the ability to get your life back no matter what has happened to you in the past and we can help you get there. We offer payment plans to assist you and are dedicated to getting you and America back up and running again. Take the initiative to get your credit in order and change your life. It really is determined based on your “WHY” whether or not you will take action and do this.

Please feel free to email me at michael@excelcreditscore.com and I do offer credit tips at www.ExcelCreditScore.com

The choice is yours and your financial freedom depends on it.

This has been hard times for millions of Americans. So many people have been affected by the economy and for whatever reason, were unable to save their home.

Some have become so overwhelmed with debt they made the decision to file bankruptcy. While I am not advising you to ever do that, one must seek out a qualified attorney who can assist them to make sure this is the best choice for you.

While foreclosures, short sales and bankruptcy may have crippled you mentally, it doesn’t mean it has to cripple your ability to get back your life. While foreclosures and short sales can be removed from your credit report, there is no guarantee they will. It is primarily based on the lender and there willingness to allow it to be removed. Regardless if you have a foreclosure, short sale or bankruptcy, we have the ability to assist in helping you to establish and reestablish credit and get your life back. This is why you use ExcelYourCreditScore.com to guide you and help you get your life back. The fatal mistake people who have these blemishes on their credit report make is, they think they need to wait until the time has elapsed when it is suppose to be removed from their credit report. That simply is not true. You should start now.

Here is what we do to get your credit scores up in the most effective, efficient and cost effective way possible.

ExcelYourCreditScore.com obtains your credit report and we build you an online tri-merge credit file. Your online tri-merge credit file shows you what accounts were on each of the three credit bureaus when we started, which accounts have been updated to a better status, and which have been deleted from the credit file all together. We identify every line item with the amount of point deductions per trade line, per credit bureau and then post recommendations on what specifically needs to be done in order to capture those deductions. The benefit here is we do the work for you but the recommendations allow you to see what was costing you these points so you never run into this problem again, this is called credit management and this is part of the credit education we provide.

Example of a tri-merge credit file:

ExcelYourCreditScore.com then builds you an online tri-merge credit analysis that you have the ability to simply click on each line item and it posts a recommendation and explains the steps we will take to capture these points. It lists the credit bureau, if it’s long term or short term and the amount of points that can be recovered. Before you say anything, we already know…this is the most incredible system ever. Here is an example of an online tri-merge credit analysis.

ExcelYourCreditScore.com then will match the Tri-Merge Credit File with our exclusive Creditor Statistical Calculations. This tells us which creditors respond more or less favorably to the credit bureaus’ request for account verification so we can effectively and efficiently pinpoint which line items to go after first in order to get your credit scores to go up in the shortest time possible.

Every ExcelYourCreditScore.com customer will have access with a secure, private username and password to review your file 24/7. Every time we make adjustments to your file, you will receive an email notification as to exactly what points have been recovered and the next time your file will be reviewed. We do NOT charge you any additional fees for deletions or improvements to your credit, unlike a credit repair company that charges you additional fees per trade line per credit bureau to have items removed or improved to a better status and we manage your credit for an entire year at one flat fee.

Wanting to improve your credit and actually doing it are totally two different things. First and foremost you have to have a big enough why. You have to take the initiative to take action to seek the knowledge of someone who can help you. ExcelYourCreditScore.com can help you. So let’s do a test to see how big your “WHY” is to have better credit and get your life back. Have you taken the free credit evaluation at www.ExcelYourCreditScore.com/evaluation.com? If you have not, then I am calling you out. You are a procrastinator assuming your credit  will fix itself. Do it NOW!!!

There is a significant difference between credit repair and credit management. There are literally thousands of “fly-by-night” credit “repair” companies that use the “shotgun” approach in “blindly” disputing all or most derogatory items on an individual’s credit report using template dispute letters found anywhere.

These credit “repair” companies literally “cross their fingers” and inundate the bureaus with these frivolous dispute letters by the hundreds of thousands! Once the credit bureaus receive these standard dispute letters they work extra hard to verify the information is accurate.

Credit repair companies only work with negative credit. Just because negative items are removed from a credit report doesn’t mean your score will go up. Credit repair companies also charge you a low entry fee, which I refer to as there hook. They then charge you a fee per credit line item per credit bureau to have items removed which is why credit repair ends up costing you thousands of dollars, takes a very long time with very little improvement if any to your actual credit score. It’s a scam!

ExcelYourCreditScore.com is a Credit Management Company using today’s innovative technology. With our one of a kind Point Deduction Technology System and our Statistical Calculations, we ethically, intelligently and effectively dispute only the appropriate derogatory items resulting in maximum benefit to the individual’s credit scores in the shortest time possible.

We also address the positive accounts that often times affects the credit score more heavily than the derogatory accounts because we work with both negative and positive credit.

ExcelYourCreditScore.com maximizes your credit scores in the shortest time possible by performing a detailed analysis of your credit report using a Point-

Deduction Technology System, which assigns a point-deduction number to BOTH the positive and negative accounts.

ExcelYourCreditScore.com offers an easy to read ONLINE Tri-Merge Credit File with a complete credit management service, providing Credit Analysis, Credit Education, Credit Updates, and Credit Negotiation on your behalf. We provide 24/7 secure access to view your credit file and utilize these services for an ENTIRE year. 95% of out customers see a huge increase in their credit scores in the first 30-45 days in the program and our service is for an entire year.

Just recently I was interviewed by Bob Circosta from (HSN) the Home Shopping Network about credit management. During my interview, Bob was amazed at the inaccuracies that plague every single person in this country. Bob made a comment about not just the importance of good credit for business people but for the every day person who in these difficult times, need to find any extra money they possibly can and how much this is costing people. It’s like newfound money if you improve your credit.

ExcelYourCreditScore.com is on mission is to start a movement, “The National Credit Movement” to educate every American about credit and how to improve their credit to get their life back. This is far more important than just buying a new home. It’s about what every person needs, extra money by lowering insurance premiums on your home, automobile and health insurance by having better credit. To get lower interest rates on credit cards so people can diminish debt and use the extra money to put food on the table by having better credit. To improve people’s credit so they can obtain a job and buy homes.

Let me just give you an example of the Cost of Bad Credit:

*Note that both examples are the same loan amount, the same number of years.

The difference between these two scenarios is one has good credit the other does not. The savings is $96.12 a month and $1,153.44 a year. Let’s look at what affects people the most, high credit card interest rates due to bad credit:

Have you done the math? This is $8,363.22 that if your credit were better could be significantly reduced. This is costing you the ability to get their life back. You cannot fix what you don’t acknowledge. With the recent study of inaccuracies on 8 out of 10 credit reports, there is a high probability there are things on your credit report that are costing you BIG money. These are only two examples, there are other scenarios that are costing you money too due to your credit. There may be numerous other things that can be improved and our system can help you to identify those items and get your credit healthy again. Let me show you how!

Important facts about negative credit

1. A recent late payment on your revolving credit can hurt your credit score approximately 70 points.

2. Public record accounts average between 1 and 10 points.

3. If you pay on an old collection account you may lose as much as 28 points.

4. Most negative accounts older than 24 months have no point deductions.

Establishing and Maintaining Positive Credit

1. It’s important to pay your bills on time, especially your revolving credit lines. If you can’t pay in full every month, pay it down to where the balance of your debt is 8% or less of your credit limit. This rule is crucial! One recent late payment can drop your credit scores as much as 70 points. Paying on time will help continue to build your credit and it can offset any negative accounts on your reports.

2. Continue to use your credit, activity is important. You can actually obtain point deductions if you go longer than six months so use your credit card once a month; even if you were not planning to do so. This shows you can borrow and pay back.

If you have opened a new account you should charge and pay each week for a couple months to get a higher point value.

3. Maintain a Minimum of 3 to 4 trade lines. If your current credit score does not allow you to obtain a revolving credit card you should apply for a secured card. Make sure the credit card company reports to all three credit bureaus. To maximize your score you should have combination of credit accounts; 3 to 4 revolving accounts, auto loan, and home loan. Remember, don’t over extend and pay before the due date.

4. Monitor Your Credit. Credit and Identity Theft is continuing to rise.

5. Order a copy of your credit report regularly. This will allow you to ensure that your file is being reported accurately and up-to-date.

Every trade line on a credit report has a point value and some positive credit has point deductions.

For Example:

Account Balance Ratios

0% – 8% No Deductions

9% – 25% Approximately 10 points

26% – 49% Approximately 14 points

50% – 69% Approximately 21 points

70% – 89% Approximately 26 points

90% – 100% Approximately 40 points

*Point deductions will vary depending on the number of accounts opened, the age of accounts, and the percentage of combined balances verse available credit.