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Your Credit Limit Is Hurting your Credit Score.

Danny Ramirez Uncategorized , , , , , , , , , ,

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.

credit utilization ratio chart

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

Faith Based Credit Repair Business

Danny Ramirez Uncategorized , , ,

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.

Danny Ramirez Uncategorized , , , , , , , , , ,

 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.

Danny Ramirez Uncategorized , , , , , , , ,

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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.

Danny Ramirez Uncategorized , , , , , ,

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,

Danny Ramirez Uncategorized , , , , , ,

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.

Danny Ramirez Uncategorized , , , , , , ,

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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Federal Study Reviews Credit Report Accuracy

Danny Ramirez Uncategorized , , , , , , ,

Federal Study Reviews Credit Report Accuracy

BY DARREN WAGGONER JAN 22, 2015 11:04am

The congressionally mandated Federal Trade Commission study is the sixth and final review of credit report accuracy. It follows a studyissued by the FTC in 2013, which examined how many consumers had errors on one of the three credit reports.

The 2013 study found, among other things, that one in five consumers had an error that was corrected by a credit reporting agency after it was disputed on at least one of the three credit reports. The study also found about 20% of consumers who identified errors on one of the three credit reports experienced an increase in their score that resulted in a lower credit risk tier, making them more likely to be offered a lower auto loan interest rate.

The new study announced Wednesday focuses on 121 consumers who had at least one unresolved dispute from the 2012 study and participated in a follow-up survey. It found that 37 of the consumers (31%) stated that they now accepted the original disputed information on their reports as correct.
However, 84 of these consumers (nearly 70%) continue to believe that at least some of the disputed information is inaccurate. Of those 84 consumers, 38 of them (45%) said they plan to continue their dispute, and 42 (50%) plan to abandon their dispute, while four consumers are undecided.

The study also examined whether consumers from the 2013 study, who had their credit reports modified after disputing information on their credit reports, had any of the negative information that had been removed subsequently reappear on their reports. The study found two instances of this, representing about 1% of these consumers.

The study recommends that credit reporting agencies review and improve the process they use to notify consumers about the results of dispute investigations, and that credit reporting agencies continue to explore efforts to educate consumers regarding their rights to review their credit reports and dispute inaccurate information.

Other study results can be found in the executive summary of the report.

To read more blogs like this or if you would like any advise or help in any of these areas feel free to visit our website and sign up for our for our Newsletter. Like us onFacebook page and we will send you a free ebook on “Understanding Your Fico Score”

No matter where you’re at in the US we can help.

To Read more blogs like this, Like us on Facebook or sign up for our Newsletter  


Danny Ramirez 

800 288 4833

Access to FICO Scores Expected to Soar

Danny Ramirez Uncategorized , , , , ,

BY DARREN WAGGONER

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JPMorgan Chase and Bank of America plan to start offering FICO scores they have on customers to them for free, according to a statement released Monday by the White House.

The moves likely will make a score once known in many cases only by lenders more readily available to millions of consumers. FICO scores, created by Fair Isaac Corp., are used in about 90% of consumer-lending decisions.

Consumers have dozens of FICO scores but in many cases the scores they can purchase aren’t the exact FICO scores a lender has on them.

Along with the two banks, auto-lending giant Ally Financial is expected to start offering FICO scores to its loan customers.

Lenders commonly review credit score and credit report changes for borrowers. This includes information such as how much credit card debt they owe compared to spending limits and whether they’ve fallen behind on payments to other lenders that would point to increased risk.

Lenders are feeling more pressure from federal regulators and the news about the expanded credit score availability likely was influenced by the pressure.

The Consumer Financial Protection Bureau called on large credit card lenders in February 2014 to make credit scores available to consumers.

FICO launched the “Open Access” partnership program in November 2013 and has added Discover Financial Services, Barclaycard, First National Bank of Omaha and Sallie Mae, among other lenders, to the program. The program shows consumers the two most important factors impacting their credit scores. Consumers can only access the program if their financial institution subscribes to it. The program is available to all servicers that use FICO scores to evaluate credit risk.

Bank of America will start providing credit card users with their FICO score later this year. Ally Financial will begin to offer car-loan customers their score next month in a pilot phase, according to a spokeswoman. Ally customers will be eligible to see their score, though they will need an account online, where the score will be made available.

Chase expects in the coming months to offer FICO scores free to its credit card users who use its “Slate” card. Chase has approximately 10 million Slate card holders.

Fair Isaac officials told The Wall Street Journal last month that it expects nearly 60 million consumers in the U.S. to soon have access to their FICO scores, up from an estimated 32 million in December and 8 million when the program first launched. The figures don’t include Bank of America, Chase or Ally.

To read more blogs like this or if you would like any advise or help in any of these areas feel free to visit our website and sign up for our for our Newsletter. Like us onFacebook page and we will send you a free ebook on “Understanding Your Fico Score”

No matter where you’re at in the US we can help.

To Read more blogs like this, Like us on Facebook or sign up for our Newsletter  

Danny Ramirez 
800 288 4833