Never Stop Learning

never stop learningOver the years, I have been involved in many types of businesses, legal and illegal. I have no shame as my father used to tell me you learn everything, because you never know a day might come where you will need those skills to survive. My father was my first teacher when it came to business, and never stop learning was ingrained in me. At first I thought it was fun, I was five years old and helping my dad with his “work”. My dad had many legitimate businesses over the years, but he always supplemented his income running numbers, or better known as the ghetto lottery. In the eighties, my dad started giving me little jobs to do in the business, since he ran it from our home, I had business education .

Beginning Years

At an early age, although I was having fun with my sister, I was being taught how a business is run with systems. I would see my dad creating charts by hand to document his “work”, then their were recordings of phone calls as back ups to the charted data, and more. As I grew older, I wanted to take part in my dad’s other business which consisted of property management, video stores, grocery stores, a social club and a softball team. My dad took me everywhere with him and I learned about all the businesses and participated in the management too.

By age twelve, I was managing one of the video stores, working along my dad learning about the administration of employees and dealing with direct sales. Up until this point, I was always behind the scenes doing mostly administrative work at home. By the age of eighteen, I would’ve continued working along my dad, but his words still resonated, never stop learning. Since my business background was probably more of an education than I would’ve received at any institution, I decided to go into the legal field. I attended John Jay College of Criminal Justice in NYC and received a Bachelors in Legal Studies.

Before I even received my degree, I started to work in a law firm, learning what else but real estate. I actually am trained in all areas of law, but my main activities revolved around the buying and selling of property, as well as management and the eviction process of tenants. I have continued to learn in the 15 years I’ve been actively working in the legal field, and I use what I’ve learned in all of the businesses I now own. I have developed a tough skin, especially since I’m a small business owner in a male dominated world, especially in the real estate business in NYC. It doesn’t help me that I’m only 5 feet tall, you should see how I look in Court among dozens of attorneys, usually 5′ 8″ and taller. I have to literally push my way to the front just so the judge can see and acknowledge me when the case is called.

The Downfall

In recent years, I had to learn about Alzheimer’s and epilepsy. In 2008, my dad fell down the stairs on New Years Eve. I was bleeding for hours, unconscious on the floor, until a tenant found him at around 1AM, January 1. Because my dad smelled like beer, he was automatically classified as an alcoholic that was celebrating too hard. No testing was ever done and no follow ups were scheduled. He again fell and had to be taken to the hospital, sometime in February. Again, no testing was done and no follow-ups were scheduled. Since I was working in the law firm, I did not notice that my dad was doing worse than originally thought of, but the tenants noticed and they began to take advantage of the situation, including my uncle, his brother.

The “falls” stopped for years, so I was continued to be oblivious to the situation in the  businesses. My dad had already put me on the business documentation, but I had not taken over anything, as I did not see the need. In my mind, dad was still capable of running things. Everything changed when Hurricane Sandy hit, and our main residence was damaged. Since there was an apartment vacant in one of our rentals, I was able to move in with my daughters. Now I was spending more time with my dad, since we was now together everyday; my mom moved in with my sister since that was closer to her job.

Picking up the Pieces

Now that I was there everyday, I was shocked to see the state of things, and immediately began to take action and enforce the paperwork dad had prepared. I began to evict all the tenants that were not paying and began to rehabilitate the properties. You need to invest money, to make money. I had some help from about 3 family members, but that is it. No one wanted to help me because I would not do things shady, or was not lenient with any of them.

As things started to turn around, my dad “fell” down the stairs again and had to be hospitalized. This time around, he had to spend 8 days, since the injury to his skull was severe. About a month after being released from the hospital, he had a seizure early in the morning. The doctors again said it was the alcoholism, but my dad was now living with me permanently, and he was not drinking at all. I was ignored and he was released a few hours later. The following month, Thanksgiving day, my dad fell and had another seizure. This time around, I changed the hospital and he finally got the treatment he needed. He was having seizures all along, but since he was classified as an alcoholic, he was never tested or treated for it.

The epileptic seizures runs in our family, as does Alzheimer’s, which accelerates if the seizures are left untreated. All of these obstacles in the latter part of my life, have opened me up to learning more. Not about business or legal stuff, about myself. I’ve learned that I can do it, no matter how hard the obstacle seems. I was faced with threatening tenants, abusive family members, abandonment when everyone turned their backs with the hurricane and with my dad, as well as legal issues and contempt when I had to evict my uncle from an apartment. It was hard but I learned and pushed thru. I still get the occasional hater, but I just brush it off and continue to do what I have done.

never stop learning

Never Stop Learning

I was able to work on the properties, all the while taking care of my father, 2 girls and officially starting my business, Martinez Consulting Services. I was already providing these professional services to many locals since the early 90s, I just never made it official until 2015. I learned I was being selfish by keeping all the skills I have learned over the years, and I should be sharing them with others, not just locally. By providing professional services, I have been able to continue to deal with the mess my father created, unintentional, but still a problem I had to deal with, since no one else stepped up to the plate, out of six kids.

Everyday I try to learn something new and share something new. Maybe I’ll start a new saying with my girls: Never stop learning, but at the same time, never stop teaching. Your gifts and talents are not yours, they are to be shared with the those who need them.

Aren’t Credit Bureaus Supposed to Protect Us…

I have worked as a paralegal in many aspects of the legal field for over 10 years, and working on various bankruptcy cases I’ve learned many things involving the credit industry. Many people are under the assumption that going to an attorney for their credit issues will protect their rights, but this is wrong. Attorneys are trained in bankruptcy law and collection practices, but very few learn the ins and outs of the rights consumers have and how they can be protected prior to any court intervention.

You should always work on your credit and have errors corrected and/or removed before filing for bankruptcy for two main reasons. First, some attorneys charge by the number of accounts they will be “discharging” for you. Second, once you file for bankruptcy, you have automatically verified all your debts, whether they can be legally collected on or not. Unless you verify your accounts, especially collection accounts, the credit bureaus are not going to correct or delete them all together. Many attorneys are trying to process as many bankruptcies as possible, and will not bother to verify the accounts before filing. They will go by the accounts listed on the credit report and process the case accordingly.

Credit repair does not have to be done by an attorney, but there are several attorneys that will go the extra mile for a client before advising them to go down the bankruptcy route. Using a reputable credit consultant is advisable but finding one with integrity might be difficult. We have been conditioned to believe credit repair is not legal and many engage in shady practices. A reputable credit consultant will give you a contract of services, they will not guarantee results, has a cancellation clause in the contract and does not conduct illegal practices like purchasing trade lines for your report.

Credit bureaus and creditors pay large sums to advertise that credit repair is illegal, but don’t believe the hype. Credit repair is LEGAL and regulated under the 1996 Credit Repair Organizations Act (15 U.S.C. §§ 1679-1679j), and these organizations/companies use the 1970 Fair Credit Reporting Act (15 USC § 1681 et seq) to repair a client’s credit file. These laws have been around for decades, but big bucks are paid to have you think credit repair is illegal and that nothing but time can fix your credit.

If you are interested in saving money by working on your credit file, correcting errors and improving your credit scores, contact me and schedule an appointment today.

I Suck at Budgeting!

budgetFor years I have struggled with keeping a budget the way most advisors say it should be kept. Being involved in business, I have always been surrounded by numbers and finances. Since I’ve been involved in businesses since the 80s, most of my research was done the old-fashioned way, going to the library and borrowing books. Each and every book I have read throughout the years only repeated the same information…you must keep track of everything that comes in and goes out.

Budgeting is the lifeline for everything in life, whether for business or personal. All the books say you must keep track of everything you spend money on, no matter how small the amount is. Seriously, having  a full-time job, running two businesses, taking care of my dad who has epilepsy and Alzheimer’s and a single mom, its difficult keeping track of the small expenses. The notion that you cannot budget correctly unless you account for it all is a set up for failure for many, especially when you are not used to using lists and budgets to keep track of it all.

Budgeting has to be realistic, and should cater to everyone’s level of budgeting ability. You should keep track of when your payments are due, since most money gets spent on overdue and late payment fees. Making sure your payments are made on time teaches discipline and can enable you to move from living paycheck to paycheck to just living. As long as your  bills are paid on time, too much shouldn’t be spent stressing on the little things you are spending money on. Eventually you will take everything into consideration, but it takes practice and discipline, take baby steps. Don’t force yourself to change your habits overnight. Forced things never stick, and you want to be able to practice good budgeting skills as if it was second nature.

One thing I do stress from the beginning is to make savings and an emergency fund a required monthly bill. An emergency fund is money that you use in an emergency, just like the name implies. It is customary for financiers to say you need at least six months of living expenses set aside in an emergency fund. This will enable you and your family to survive, whether it be because of loss of employment/income, natural disaster, etc. When starting an account like this, you can account for anything, besides your monthly expenses, that you want to make sure its covered for, in case of anything. You do not need to start setting aside large amounts, starting by setting aside as much as $1.00 is all you need. We always make excuses when it comes to saving funds, but saving money is a learned practice that increases over time. You set the bar with the amount every month. Over time it will increase as your budgeting practices get better.

A savings account is separate from your emergency funds, because buying a car or a house is a luxury and not an emergency. A savings account is for whatever luxuries you want to buy. You want to go on a vacation, it comes out of your savings account. You want a new car, the deposit comes out of the savings account. Just like the emergency fund, you can start saving as little as $1.00 until you get used to the practice. As your budgeting gets better, you will automatically increase the amount of money you set aside and before you know it, you can afford to give yourself certain perks that were not possible before.

Budgeting doesn’t have to be hard or a burden. Keeping track of finances is hugely important, since many aspects of our lives are controlled and dominated by money and credit. Here’s a simple MONTHLY BUDGET PLANNER I have created to make budgeting easy. Good credit starts by budgeting and keeping track of credit obligations. I have included simple instructions with planner and I hope it helps you with your finances as much as it has helped me.

What is a Credit Score?


Every where we go, you hear talk about good credit, credit checks, credit scores, and other credit terms that can baffle you. Credit and credit scores are the lifeline of the financial industry. It is very difficult to go through life without applying for some form of credit. Credit is when an individual or business gives you something of which you promise to pay at a later date, usually in installments. Loans, mortgages and credit cards are the well known types of credit there is, but changes in the credit reporting industry can have accounts reported from utility companies, insurance companies and landlords/rental companies.

Credit is granted based on what is in your credit reports and your credit scores. A credit score is a numerical calculation on the likelihood that you will pay your credit obligations. The higher the number, the more trusting a company is to grant credit. The numerical calculation is based on your payment history, types of credit, amounts owed, length of credit and credit inquiries.

Payment history is makes up 35% of your credit score, making it the most important. Always make your payments on time and never skip one. Missing one payment or paying late can drop you scores by 20 points, even more, and recovering from that can take a long time.

How much you in all your credit obligations accounts for 30% of your credit scores. Just because you have a $1,000 credit limit on a credit doesn’t mean you should use it all. The optimal rate is using 30% of your available credit, going over this percentage reduces your credit scores.

Length of credit history is 15% of your credit scores. The longer you have had credit accounts open and active, the better your scores. This shows that you’ve had credit for some time and have kept up your part of the bargain. The longer you have had credit, the better the odds of attaining new credit.

Your credit scores also take into account the kind of credit you have, and it makes up 10% of your scores. An optimal credit report has 1 mortgage loan in good standing, 1 auto loan in good standing and 3-4 credit cards, active and in good standing. Having different types of credit accounts shows all around financial stability and creditworthiness.

Finally, inquiries into your credit reports account for 10% of your scores. Whether credit is granted or not, every time you apply for any typ of credit, a notation is made in your credit reports. Too many inquiries, especially around the same time, can raise a red flag while lowering your scores at the same time. Creditors assume you are applying for credit irresponsibly when you request lots of credit at the same time.

Do you know the health of your credit profile? When was the last time you checked your credit reports? Are you actively taking care of your credit reports, improving them so your credit scores can go up? If you need assistance in this, or have another credit question, feel free to CONTACT ME.

Credit and Death

 We are always talking about credit and how to deal with it in the now, but what happens to credit obligations when the credit holder passes away. For the most part, people hate having to talk about death and planning for that moment, and usually avoid the issue at all costs. Death and taxes and unavoidable no matter how you choose to ignore it.

Your credit debt does not automatically get “erased” upon death. Your estate administrators have to handle all debts and obligations before the estate can be finalized. You are probably thinking ‘I don’t have enough money to have an estate’, wrong. Everybody has an estate upon death. Some only have personal property like jewelry and home furnishings, while others have large sums of money, real property, etc.

If you die and had a written will, your estate will be probated in surrogates court and handled by the Executor/Executrix named in your will. If you die without a will, your property will go through administration in surrogates court and handled by an Administrator/Administratrix appointed by the court, usually a next of kin. This Executor(trix)/Administrator(trix) has to pay all the debt left by the decedent (legal word for the dead person) before anyone can inherit. Debt can be a mortgage, credit cards, auto loan, medical debt, child support, liens, etc. If you ever received help from the government (welfare, Medicaid, food stamps), they can put a lien on the estate and recoup the funds, which can blindside a family not expecting something like this.

To avoid surprises and family bickering, you should have a will stating everything you want done and who to handle it all upon your death. You should take it one step further and have some form of insurance to cover these expenses, that can be burdensome to a grieving family. There’s burial insurance that can cover all funeral and burial expenses, helping your loved ones since they don’t have to worry about having to pay for this expense. Then there’s whole and term life insurance which can cover all the other expenses and offer some stability to the beneficiaries of the policy. Also, the estate can take long to be finalized, years even.  The insurance policy can help your family/heirs greatly during the court process and can be as low as $5.00 per month. Most of us have shoes that cost more than a simple yearly policy.

Planning for the future is important, especially if you already have children. Why be a burden on them while they are mourning your loss. Taking care of your credit is important while you are alive, but also in death. Credit and the benefits it brings is important in life and can be damaging if not used correctly, but don’t neglect taking care of your credit after death. Please feel free to contact me if you have questions by sending me an email HERE.

Business Must Haves for Success

 Starting a business is very scary, especially if it’s the first time you are venturing into the corporate world. In order for your business to run smoothly and flourish, you must have certain plans and systems in place to enable this.

A business plan is exactly what the name implies, a plan for your business. A business plan seems antiquated since it has mainly been used to obtain funding from financial institutions, but it has other uses too. A business plan includes your business mission statements and your goals for the next three, five and ten years of the business. Setting dates and goals is a great way to gauge how well your business is doing, as you can review the “health” of the business at the end of the year to see how much closer to your goals you are. Being able to see what has been achieved lets you put your efforts into the goals you have not met yet. Putting your goals and business expectations down on paper enables accountability from you in ensuring the goals are achieved.

In today’s society, any business that does not have a marketing/branding plan is setting itself up for failure. Social media has transformed marketing, as it is easy to market a business to the local community, as well as internationally, in a matter of seconds for free. Word of mouth about a business can spread like wildfire in a matter of seconds, so taking the time out to formulate a strategy on how the business will be marketed is imperative. Using the many avenues available to market your business requires a plan, especially if you run a one man show because marketing/branding can take up a lot of your time allowing other areas of your business to become neglected.

An operations manual is the management bible for the business. It states the day to day activities, job descriptions for all employees, customer service procedures, etc. This manual allows for the business to flow smoothly whether you are present physically at the business or not. Your employees will be able to handle what needs to be done without being told what to do because it is already in writing. Even if you are the only employee of the business, having down in writing what needs to be done helps you stay on track with the business activities. Being the only for the business can be overwhelming and you can easily neglect the biggest task as an employee you have, taking care of yourself. Knowing when and how to do things sets up limits on the amount of time and activities you dedicate for the business. It is easy to overlook things that need to get done, especially when you are the accountant, secretary, manager, janitor and receptionist, all at the same time, for the business.

Last but not least is a continuity plan, which is often overlooked, but it is essential for all businesses, yes, ALL. A continuity plan is a plan that states how certain situations are handled within the business. These situations can include customer service issues like problem clients, customer disputes and things of that such. Also super important to include is how maters will be handled before, during and after a natural disaster. I learned this lesson after Hurricane Sandy in 2012, when my house was damaged and subsequently looted when the National Guard closed the street off until the area was safe to walk through. My brand new computer was stolen with all of my business records. I had hard copies of the documents, but the water damaged those too. I lost over $50,000.00 on my lost records alone because I did not have a plan for the business during a hurricane. Lesson learned and now I beg everyone to ensure they have a continuity plan in place covering all situations, probable or not.

Planning is essential for things to run smoothly in life, and in business it is no different. We have calendars and planners to help keep us organized and on track, and all businesses should have these plans/manual so they can also stay on a success track. Businesses run smoothly and succeed when systems are in place and these plans are the basic systems all businesses need. If you need assistance in one or more of these plans, please feel free to CONTACT ME.

THE STUBBORN CLIENT

As a professional providing various services to the community, I have been given an insight on how different people are when it comes to business management. One thing that never changes are good business practices. These practices may be different from one business to the next, but they all have the same gist. Some people don’t understand these basics and never will, no matter how many times you repeat it.

A few months back I stopped working with a client that just would not understand nor accept good advice. This individual owned a restaurant in the state of New York, one of toughest markets in the country. Over $2,000,000.00 was invested into the business and the soft opening showed promise of an income producing restaurant. This honeymoon did not last past the first month the restaurant was open for business.

Although all the employees hired had prior experience in the service industry, the restaurant owner did not feel the need to establish rules and procedures for them. The owner assumed everyone is an adult and should know what to do without being told how to do it. I suggested we implement systems for the business, with emphasis on an operations manual, but all my suggestions were rejected.

The client felt I wasn’t helping the business make money, but rather giving them more work they felt was unnecessary and burdensome. The owner specifically did not like the part of not getting a steady paycheck for the first 6 months of business, until the restaurant could actually turn a profit after all start up costs and expenses were paid for. The client felt the owner should get paid before bills and employees, and the moment I challenged this notion, the client began to shut down and essentially block out all of my advice.

After 3 months, the restaurant was losing over $10,000.00 every month, and lost all of its employees. Eventually the restaurant closed 6 months after opening, owing more than $400,000.00 in outstanding bills. This could have been avoided had the client listened to advice. This restaurant had a dance floor and a mechanical bull, in an area surrounded by 7 colleges and dozens of high schools. It had everything necessary for success except systems for business management.

As a business consultant, you will encounter many people who feel like your advice is unwelcomed and unnecessary. Not everyone will take you serious, especially if you are a female that looks like a teenager, like me. Dealing with these stubborn clients can be very difficult, but looking at them like a learning experience can prove to beneficial in the long run. Every client is a learning experience, and you must take everything in and build from that. You might just develop the skills needed to deal with others who are the same way or in the same predicament, making you the winning party in a bad situation. Have you ever dealt with a problem client? Let me know your story and what did you learn from it.

COLLECTION ACCOUNTS AND CREDIT REPORTS


People try to keep up with their bills but things happen in life which sometimes causes situations to change. People usually stop paying a bill(s) because of loss of employment, reduction in income, medical emergency, family tragedy, and/or change in life circumstance, just to name a few. After a few months of the nonpayment, this bill will more than likely be turned over to a collection agency. This is when those dreaded color envelopes start coming in the mail.

A collection agency is a company that is in charge of collecting on the outstanding debt. Sometimes the “agency” is a department in the same company that the money is owed to, but for the most part, it is an external company that purchases the debt off the original creditor. Once the collection agency starts acting on the account and reporting to the credit bureaus, the original creditor should not be reporting the same debt. This is a common error in many credit reports that can be disputed and removed.

Collection agencies tend to sell off accounts to other companies, but fail to provide all of the corresponding paperwork that goes with the account and also in updating credit bureaus of the account changing holder(s). This is a huge problem as two companies, or more, can attempt to collect on the debt as well as both reporting the same debt to the credit bureaus. People can end up paying the same debt more than once, without noticing, because different companies were collecting on the same debt at the same time. Also, more than one company reporting on the same debt can make your “credit burden” look larger than what it actually is, causing requests for new credit to be denied and/or interest rates to be higher than what they should be, had these errors been corrected in a timely fashion.

All collection accounts, because of the fluid nature of the business and the ease of transfer between companies, should be verified before being paid off. Also, make sure you request a pay-per-deletion letter before making any payment. This letter ensures you get the negative entry of the collection account removed from your credit reports, as you can submit it yourself to all credit bureaus, instead of waiting on the collection agency to do so, which can take forever.

If you are planning on buying a home, take care of all collection accounts on your credit reports at least one (1) year prior to applying for a mortgage. These negative accounts in your credit history can mean the difference between a 4% and a 9% mortgage interest rate. Not taking care of these accounts can be costly over the years, and taking care of them today will be beneficial to your financial stability and success. CLICK HERE for more information on repairing your credit.

SO YOU WANT TO BUY PROPERTY

buying propertyEveryone, at one point in their life, wants to purchase property. Whether it’s your first home or an investment property, the procedure is always daunting as the rules and requirements are constantly changing, especially after the economic crisis of 2008.

Before you start to prepare to buy property, you must decide what kind of property you want to buy. A house, condo, co-op, mobile home or even a boat. All have the basic common expenses like mortgage, insurance, property taxes and water charges, but some have additional fees necessary because of the kind of property it is. Examples of these charges are housing association fees, board fees, storage room fees, carport fees, amenities fees, parking fees, pier/docking fees and maintenance fees, to name a few. Also keep in mind that your insurance rates will also be based on the kind of property being purchased.

Once you have decided what kind of property you want to purchase, you must do a “credit freeze”. You don’t have to actually freeze your credit file, but you shouldn’t apply for any new credit, not even for a car, for at least twelve (12) months prior to you making the purchase. Opening new lines of credit can hurt your credit scores. Every time your credit is checked by a lender/creditor, a new inquiry gets added to your credit reports, regardless of approval. If the credit is granted, you are increasing your financial liability. Too many lines of credit makes you look vulnerable to lenders, always remember, you are judged by what’s in your credit reports.

You should work on your improving your credit file. Mortgage rates can fluctuate depending on the number of charge-offs, collection accounts, late payments and other negative information that can be found in your credit reports. Working with a credit consultant can help you achieve an optimal credit file by making plans and setting you up with financial goals. The credit consultant will assist you in clearing as much erroneous and incorrect information off your credit reports as possible, as well as teach you how to set up a budget and plan that works around your specific situation. With good credit and scores, you can receive low mortgage and insurance rates, the biggest monthly expenses a homeowner has. Why not ensure you receive the best rates possible by hiring a credit consultant to help you.

The credit consultant will also help you find ways to save additional money every month. Even if you are financing the purchase 100%, you must always be prepared for any incidental costs that may arise from the purchase. As a paralegal for over 15 years, I have seen real estate transactions fall apart at the closing table because the buyer could not pay for a certified land survey, they had open parking violations that had to be paid before the documents are signed, or there was a shortfall in the financing and the gap could not be covered. As a buyer, you are taking on a huge responsibility and as such you must be prepared for anything.

Buying property is a very rewarding experience and at that moment in the closing, when those keys are handed to you, a feeling of accomplishment and pride flows through you. It’s an incredible feeling, one that everyone should experience at least once in their lifetime. If you are a future home buyer and want to discuss your credit, please feel free to contact me.

Just Because its Bigger, Doesn’t Mean its Better

big not betterCredit repair companies are looked upon with a skeptical eye as many have been led to believe that credit repair is illegal and only time can repair your credit. This is not true and the Fair Credit Reporting Act gives you the right to challenge incorrect information in your credit reports. Why wouldn’t you challenge information in your credit reports that are reflecting negatively on your credit worthiness. There are many credit repair companies out there, but not all provide the same level of service.

Not too long ago, someone reached out to me with questions about credit repair. I was shocked to find out that he had signed up with a large, and very well-known repair company, over a month had passed yet he had not heard a thing from them. Our turnaround time is less than a week, and we get started immediately on your analysis and disputes. The credit repair process takes time when done legally; hence, the faster you begin the process, the quicker the results.

Also, credit repair is not only disputing negative items in your credit reports, establishing good credit at the same time is essential for the process to work. Knowing when and how to establish new and good credit history is something Martinez Consulting Services teaches, as well as other credit habits that should be implemented in order to achieve financial goals and independence. Learning how to use credit correctly will help raise your scores and credit worthiness in the eyes of creditors and lenders, placing you in a position where you can purchase your dream home, dream car, send your kids to the college of their choice or take that dream vacation without leaving you destitute. The possibilities are endless if you take control of your credit and finances today. To request information or to get started, please send your contact information with preferred method and time of contact to Lmartinez964@optimum.net.

Other Services we Offer:

Notary Services

  • Mobile Notary
  • Apostille Services
  • Signing Agent Services

Business Services

  • Business Formation
  • Licensing/Permit Application
  • Consulting Services
  • Credit Services

Individual Services

  • Document Preparation
  • Typing Services
  • Credit Repair/Analysis
  • Virtual Bankruptcy Assistant (For attorneys only)

The Time is Now – Repair Your Credit Today

FullSizeRenderWelcome to a new year. A time to start over and a time to fix our past errors. One of the biggest mistakes people often make is not taking care of their credit. Whether noticeable or not, credit affects our day to day lives, regardless of using the credit or not. Knowing how to use credit correctly can open many doors, like:

  • Better rates on mortgages and refinances
  • No or low interest rates on credit cards
  • Lower rates on car loans
  • Better insurance rates, whether life, auto, etc.
  • Positive results on job screenings that perform credit checks
  • Better housing options

Having good credit is important and you need to stay on top of it. Under the Fair Credit Reporting Act (FCRA), you have the right to dispute all inaccurate, erroneous and obsolete information. Information being reported that is wrong can be legally removed from your credit reports. This goes for anything and everything, including but not limited to:

  • Foreclosures
  • Student loans
  • Late payments
  • Bankruptcies
  • Repossessions
  • Child support
  • Charge offs
  • Public records
  • Collections
  • Judgements
  • Tax liens

Martinez Consulting Services will help repair your credit and teach you the necessary tools to help you achieve your credit goals, whether it’s to be debt free, buy a house, buy a car or take that dream vacation. The possibilities are endless if you take control of your credit and finances today. To request information or to get started, please send your contact information with preferred method and time of contact to Lmartinez964@optimum.net.


 

Other Services we Offer:

Notary Services

  • Mobile Notary
  • Apostille Services
  • Signing Agent Services

Business Services

  • Business Formation
  • Licensing/Permit Application
  • Consulting Services
  • Credit Services

Individual Services

  • Document Preparation
  • Typing Services
  • Credit Repair/Analysis
  • Translation Services (Spanish/English)
  • Fingerprinting

Lorraine Martinez
Mobile Notary, Business and Certified Credit Consultant
Martinez Consulting Services Corp.
P.O. Box 506
Bronx New York 10459
347-947-0084 Tel/Text
800-957-4405 Fax
Lmartinez964@optimum.net

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