RJ White's (rjcreditassociates) Blog

I had the pleasure of speaking to a few real estate agents while eating out @ friday's they were from out of the state. I asked them what is the secret they use to close so many homes. What was their answer you say GIFTS!!!!!!!!!!!!!!!!!!!!!!!!! They were raffling of TV's at the open house and th...

First things first one needs to pull their credit report If your credit score is low, Possibly contact a professional to correct your score or make attempts to correct it. Pay down any credit cards that are maxed-out. Be sure to improve your credit history by staying current on all bills for at ...

Well here's a scenario a person at the age of 24 decides the best thing in life is to be fashionable and up to date with the hottest trends at the mall. The Mal-financially educated person decides they should indeed have a credit card: not one, not two, but three. Starting with a credit limit of ...

When was the last time you took your statements from your credit card company, Cable service, Cell phone or any provider and tallied how much you spent for the year?  When was the last time you called your providers and asked them if you can reduce your bill because you feel you’re paying too muc...

What makes you happy when you spend money? Yeah I know what you purchased right? But what was the deal breaker that made you want to purchase your item (s)? I mean let's face it if we walked in a furniture store and they said "WHAT! Just go buy something" I don't know about you but I would run to...

Hypochondriac or Debt -Which is worse ?By RJ-President/CEO of R.J Credit Associates Which one you say? Its debt, debt is the worse because its hardest to fix than this medical illness.The title may sound like these two words have no relation but indeed they both sound the same but one ofthem is a...