Your Credit Limit Is Hurting your Credit Score.

We love what we do, we have helped so many people get back on track by cleaning up their Credit and by educating them on Consumer Credit. Credit is a huge part of our life, your Credit Report is your “Report Card” and many times people get discouraged because of bad choices they have made in the past or lack of consumer credit education.

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We know all to well about making the wrong choices and not understanding how credit really works, so this was one major reason why we started Conquest Credit. The problem in today’s culture is “FAST”, everything is fast, fast food, internet, smartphones, etc. We forget to slow down every now and then to budget our finances or keep track of our credit card balances.

For example, one major challenge for many people is keeping down credit card balances. When you have maxed out credit cards, not only will you get into more debt, but it will kill your credit score.

Challenge. 

1. Start budgeting, we operate on a zero based budget and it has saved us thousands!!

2. Pay down your credit cards, for starters, if you have a maxed out card or a very high balance, pay it down to at least 50%, Your goal is to get your credit card to 20% or lower and NEVER go above 20% again if you can help it. This will help boost your credit score and will keep rising if you keep your balance low.

Please let us know how we can help, if you need budgeting materials we can send you what we use and if you need help with understanding your Credit Report we can do a Credit Analysis for you for FREE.

Danny Ramirez
President & Credit Repair Consultant.
p:800 288 4833 | e:dramirez@conquestcredit.org | w:www.conquestcredit.org | a: Buena Park

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Faith Based Credit Repair Business

Faith-Based

As a Faith Based Credit Repair Business, our mission is to honor God by operating the business in a manner consistent with Biblical principles. Our values and morals are based on our faith and we view each client with respect and dignity.

As founder of Conquest Credit and Debt Consulting, I created this business to help families get back on track financially. My hope is they will find the financial peace and freedom in rebuilding their credit and taking control of their financial future. I believe in earning my clients’ trust and take pride in providing the financial knowledge and tools to help them climb out of debt and stay away from it.

As a business Conquest Credit and Debt Consulting is committed to excellence, integrity and 100% satisfaction. Our hope is for our clients to be prosperous, secure and confident in knowing they can rebuild their credit and create more opportunities for their future.

Danny Ramirez

800 288 4833

Tax Season & Credit Repair 2015, Anywhere in The US, We Can Help.

 Tax season is fast approaching and what better time to start fixing your Credit!

Why is tax season the best time to start repairing your Credit? 

Credit Repair is extremely important when it comes to your Finances, this process repeatedly slips to the bottom of many tax seasonpeople’s to-do lists. Why is that? well for many people it’s embarrassing, too much to deal with, fear, finances, etc, This is a problem that many of us face in today’s economy, however as the economy starts to pick up we don’t want to be left behind with a bad Credit Score as things get better. Tax season is the best time to fix your Credit, if you have a low score it’s one of the best investments you can make.

If you have a score below 720, then I would at least give us a call so we can do a free Credit Analysis for you

If you’re not sure where to start when it comes to fixing your credit – or if you feel that you simply don’t have the time to research credit repair strategies – consider using your refund to invest in Credit Repair.. AS professionals, we offer services that include disputing erroneous items appearing in your credit history, providing personalized advice for your particular situation, closely tracking your progress and ensuring that you stay on the right track even after you’ve achieved a good credit score.

Remember no matter the amount you get back from your tax return, we offer monthly payments and don’t charge upfront for Credit Repair. You can simply attempt to repair your credit on your own, however using a credit repair company gives you access to resources that can significantly speed up the process.

Danny Ramirez
President & Credit Repair Consultant.
p:800 288 4833 | e:dramirez@conquestcredit.org | w:www.conquestcredit.org | a: Buena Park
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Metal stud Framing and Drywall Bids, Los Angeles CA.

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1.Measure the Square Footage

Measure the total square footage of the area where the drywall will be installed. When drywall is going to be installed in walls, multiply the width times the height of each wall or ceiling where drywall will be installed. Prepare a spreadsheet identifying all walls or ceiling sections and add all the quantities.

2. Estimate Drywall Boards

Calculate how many drywall boards you will need. After all areas have been totaled, divide those areas by 32, if a 4 by 8 board will be used, or 48 if a 4 by 12 , depending on the size of drywall that is going to be installed. This division will get you the numbers of boards required to be installed. If you want to get the cost, just multiply the total amount of boards required by the price of each drywall sheet. Remember to add local taxes and delivery charges.

3.  Metal Stud Framing

* Roughly $1.50 – $2.50 per sq ft LABOR only, varies do to workforce wages
* MATERIALS range from $0.40 – $0.50 per sq ft depending on geographic location, quantity ordered, fluctuating steel costs, and fasteners.
* $2.50 – $3.00 per square foot LABOR and MATERIALS.
* 40% – 50% Profit Margin, Before Taxes and Overhead.
* Calculations reflect 3 5/8″ Steel Studs, 20 Gauge, &
16″ Spacing for Common Non Bearing Walls.

* Example : Commercial Fit-Out : Interior Walls – 200′ Lineal Feet – 10′ foot High
* Materials : 50 Track Runners – 180 Studs – 220 Track Fasteners – 800 Screws
* Labor : 4 Man Experienced Crew – 10 Hours Construction and Clean Up
* 1 Foreman – $40 Hr Rate – Project Planning, Lay-Out, Set Elevations, & Details
* 1 Mechanic – $25 Hr Rate – Track-Out, Level & Plum Walls, & Rough Openings
* 2 Helpers – $15 Hr Rate – Stud-Out, Cut Materials, Square Studs & Screw-Off

* Contract : 2,000 Square Feet Commercial Framing @ $2.50 per sq ft = $5,000
* Labor : $40 + $25 + $15 + $15 = $95 Dollars x 10 Hours = $950
* Materials : Track = $200 + Studs = $600 + Fasteners & Screws = $150= $950
* Total Earnings = $5000 – Total Costs = $1,900 = $3,100 Gross
* 62% Profit Margin – Excluding Taxes, Insurance, & Overhead
* $3,100 Gross Earning – 28% Income Tax = $868 = $2,232 Net

Danny Ramirez
Construction Superintendent, Project Manager,Consultant. 
dan@dgrconstructionco.com 

Family Lost Home, Horrific Fire, 1/2715 on the 2900 Block of Arden Drive in El Monte CA.

Last night the Barba  family awoke to a loud explosion, and the sounds of flames. Their home of 22  years was lost in a horrific fire that started in the carport.They lost everything they own, and nearly escaped the fire that ended up destroying a total of three homes.  Five kids have been affected by this fire, and not only are they traumatized and emotionally exhausted, but they are in need of clothes, school supplies, basic necessities and a home.  Red Cross has provided a place for them for 2-3 days, but after that they are on their own. Please if you can donate any amount during this time of need, it would help them get back on their feet.

http://www.nbclosangeles.com/news/local/Thirty-Displaced-Fire-El-Monte-290045521.html

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Home price increases accelerate in L.A. area,

Home prices in Los Angeles and Orange counties climbed 5.1% in November from a year earlier, according to a leading gauge of the housing market.

The 12-month gain, as registered by the widely followed Standard & Poor’s/ Case-Shiller index, was larger than in October, when L.A.-area prices increased 4.9%.

The pickup in L.A. and Orange counties’ prices bucked a trend seen in many big U.S. cities. The index of prices for 20 major metro areas increased 4.3% in November, the smallest gain since October 2012.

Those national numbers reflect a housing market that slowed in 2014 after home prices rose far faster than incomes in recent years. Home sales fell over the year and home price appreciation slowed. It’s unclear if Los Angeles and Orange counties’ faster appreciation in November foreshadows a return to more robust gains.

Falling mortgage rates and an improving economy have raised hopes that the pace of the housing recovery will pick up this year. On Tuesday, the Commerce Department said that newly built homes last month sold at the fastest rate in 6 1/2 years.

In the six-county Southland, sales of new and previously owned homes rose 4.3% in December from a year earlier, according to a recent report from Core-Logic DataQuick. However, the increase in demand didn’t translate into more robust price appreciation, at least according to that measure.

The region’s median price rose 5.1% from December 2013, the smallest gain since April 2012, CoreLogic DataQuick said.

The upcoming spring home-buying season should provide better insight into the market’s prospects for the year.

The Case-Shiller numbers out Tuesday lag behind other indicators such as CoreLogic’s, but they are widely considered the most reliable reading on home values.

The index, created by economists Karl E. Case and Robert J. Shiller, compares the latest sales of detached houses with previous sales and accounts for factors such as remodeling.

Home prices in San Diego increased 4.9% compared to November 2013 and rose 8.9% in San Francisco, according to the index.

By: The Los Angeles Times

Danny Ramirez

949 204 0576

Conquest Credit gets Bankruptcy’s, Collections, Civil Judgments & Late Late payments Deleted from Credit Reports.

As we settle in on this new year, we here at Conquest Credit have been extremely busy, we have the same goal in mind as our clients “To get incorrect items deleted from their Credit Report” We take pride in helping our clients get back on track. So far this new year we have got 4 bankruptcy’s, 25 collections, 6 civil judgments, 18 debt write offs and 22 late payments corrected. We are excited to help many individuals and families this year take control of their Finances and Credit. Feel free to call us anytime for advice on how to build Credit or if you would like us do a free credit Analysis for you.

Conquest Credit 800-288-4833

customercare@conquestcredit.org

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