CREDIT MANAGEMENT

Through the Eyes of PYC…

Understanding Lenders

It is easier to work with others, when you understand how others think.  It is easier see something from a different perspective, when you see it from another point of view.   In Understanding Lenders, we are able to view a request for credit through the eyes of the entity granting it, or rejecting it.  We are equipped with information to assist us in making better decisions while obtaining credit.   To be aware of the "bottom line" concerning most lenders, will be critical in deciding how long, and at what cost, will we be repaying a loan.

Understanding Credit Reports and Scores

Committing to regular check-ups for physical health is vital.  Committing to regular check-ups for financial health is vital, as well.   Just as healthy eating habits and exercise is essential in improving, and maintaining, physical health, Understanding Credit Reports and Scores is essential in improving, and maintaining, financial health.  This is the information lenders see as a representation of us.  It serves as our ambassador to the credit world giving our word some validity, or making it null and void.   Being cognizant on how to build, and sustain, credit places us in favorable positions where businesses compete for our time and attention. 

Understanding Consumer Rights

"People are destroyed because of their lack of knowledge".   It is true that things we do not know can indeed hurt us.  The old adage "ignorance is bliss" is not optimal when you have an adversary that thrives on weaknesses and indecent exposure.  Through Understanding Consumer Rights we add to our arsenal.   Knowing these legalities not only empowers us regarding credit management and strategy, it discredits the "power" the enemy wants us to believe it has.  Knowing is half the battle.

The Services

Many times we approach credit in the realm of how it affects us, but if we try to see credit from its grantor our chances of desired acquisition may increase. Choose to see credit as a win-win situation by thinking about the following questions: (1) How will obtaining credit benefit me? (2) How will managing credit benefit the lender? Credit Management with PYC is primarily dominated with education, hand-in-hand with the debt annihilation process, as we take a new look at the state of our credit. We provide our services of credit management by:

• Providing interpersonal review of credit reports and scores
• Providing research and personalized solutions on how to build, rebuild and maintain credit