ASJ Credit Consulting Services

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CREDIT SCORE TIP: Keep minimal activity on your credit card account while keeping the balances low!

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📞 +1 800-785-0335

When you think of your credit score, you're often confused about just what impacted it so negatively, or positively, after all, there's many financial factors that come into play when we talk about how a credit score is calculated.

The following pie chart 👉 shows you just how your credit score is broken down.

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📞 +1 800-785-0335

We all know that a bad credit score is a less than desirable outcome but what causes it in the first place? Take a look at these causes that often seem like no big deal to us!

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Well for starters, we don't just think of our clients as being part of another statistic, or as a means to an end when it comes to making profit. We know exactly what it's like to be in your shoes, which is why empathize with our clients and put them first.

With over 20 years of experience in credit repair and finance education, you can be sure that you'll be in good hands. We believe in honesty,

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🌐 www.asjcreditconsulting.org
📧 [email protected]
📞 +1 800-785-0335

Money talks- but credit has an echo. Remember this quote every time you go to make a financial decision.

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🌐 www.asjcreditconsulting.org
📧 [email protected]
📞 +1 800-785-0335

ASJ Consulting's Credit Counseling Services have been designed to make sure that your credit score improves through our tried and true processes, an improvement that even the credit companies can't deny or argue against. Our credit repair process is thorough, effective and efficient, because our clients deserve nothing less.

Learn more here!
👉 www.asjcreditconsulting.org/sign-up

Contact Us
🌐 www.asjcreditconsulting.org
📧 [email protected]
📞 +1 800-785-0335

It's easy to give up on goals that are too ambitious, too fast. "Go to the gym seven days a week" might be too ambitious for someone who doesn't exercise at all, but "go to the gym twice a week" is a reasonable goal. Similarly, drastically chopping your spending—or dramatically re-directing your money—might be too large of a lifestyle change.

It's tough to go from spending $100 on entertainment every weekend to spending $0. Design a budget that lets you make small tweaks to your lifestyle.

Bring a brown-bag lunch to work. Shop at the outlet version of your favorite retail stores (like Nordstrom Rack instead of Nordstrom). If you're going to make a major change, do it in a "big-ticket" area—like buying a six-year-old Honda Accord instead of a one-year-old Acura. That's a purchase you'll only have to make once—after you buy that car, there's no temptation to buy a different car next week.

If you're having trouble budgeting and need help with deciding on a proper plan, ASJ offers a 'Financial Consulting & Budget Analysis' service in which we examine the outflows and inflows of your account to determine where you could be spending less, spending more and everything in between.
👉 www.asjcreditconsulting.org/sign-up

Contact Us
🌐 www.asjcreditconsulting.org
📧 [email protected]
📞 +1 800-785-0335

In a number of situations, debt relief may be the only course of action in order to avoid bankruptcy.

If you're interested in Debt Relief and believe it could be beneficial for you, then book a consultation with us!
👉 www.asjcreditconsulting.org/sign-up

Contact Us
🌐 www.asjcreditconsulting.org
📧 [email protected]
📞 +1 800-785-0335

Have you heard about the 5 C's of credit? If you haven't, don't sweat it! We're here to break it down for you.

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🌐 www.asjcreditconsulting.org
📧 [email protected]
📞 +1 800-785-0335

Looking to take your future by the reigns and change it? Then get in touch with ASJ now!

👉 [email protected]
📞 800-785-0335
📞 1-909-295-6628
🌐 www.asjcreditconsulting.org/sign-up

Financial literacy combines financial, credit, and debt management knowledge that is necessary to make financially responsible decisions—choices that are integral to our everyday lives. Financial literacy includes paying off debt, creating a budget, and understanding the difference between various financial instruments.

In sum, financial literacy has a material impact on families as they try to balance their budget, buy a home, fund their children’s education, or ensure an income for retirement. As you can probably tell, it's extremely vital to be financially literate in this age and time.

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🌐 www.asjcreditconsulting.org
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📞 +1 800-785-0335

Ever used the 50/30/20 rule? The basic rule is to divide up after-tax income and allocate it to spend: 50% on needs, 30% on wants, and socking away 20% to savings.
Check out the slide for a more detailed explanation.

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🌐 www.asjcreditconsulting.org
📧 [email protected]
📞 +1 800-785-0335

Debt Settlement/ Debt Relief is an approach to debt reduction in which the consumer and creditor agree on a reduced balance that will be regarded as payment in full. If you require Debt Relief services, then ASJ Consulting is your best choice.

👉 www.asjcreditconsulting.org/sign-up

Contact Us
🌐 www.asjcreditconsulting.org
📧 [email protected]
📞 +1 800-785-0335

Been a sufferer of financial mismanagement and poor decisions when it comes to money? It happens to the best of us, but that doesn't mean we should have to spend the rest of our life suffering the consequences of old decisions. At ASJ Consulting we'll help you repair your credit score with our tried and tested techniques in record time.

Contact Us
🌐 www.asjcreditconsulting.org
📧 [email protected]
📞 +1 800-785-0335

At ASJ Credit Consulting, Credit Repair and Financial Literacy is our passion. We're dedicated to helping you take control of your financial future through our expertise and experience. With plans that are tailored to your needs and situation, we work non-stop to make sure you achieve your financial goals.

So, what are you waiting for? Turn your life around now!
👉 www.asjcreditconsulting.org

Contact Us
🌐 www.asjcreditconsulting.org
📧 [email protected]
📞 +1 800-785-0335

Credit reports are crucial because they decide whether you may get a loan, a credit card,
or any other type of credit.
But credit mistakes are common, and most people don't know how to resolve them.

When you have inaccuracies on your credit report, you have the right under federal law to dispute and demand they be updated or removed.

The credit reporting agency and the information supplier are responsible for updating incorrect or missing information in your report under the Fair Credit Reporting Act (FCRA).

Contact us today and allow ASJ experts take the stress of disputing inaccuracies on your credit reports

If you're under debt, that doesn't mean that a debt collector can call you any time and verbally harass you or abuse you.
You come under the Fair Debt Collection Practices Act (FDCPA) protection as a consumer.
This law restricts debt collectors and imposes some limitations on how they can collect a debt.
Common restrictions include:
Prohibit calling after 9 pm and before 8 am
Harassment and verbal abuse
If an attorney or debt collector represents you, contact an attorney instead.
Don't get exploited by debt collectors, we know the ins and outs of the Fair Debt Collection Practices Act, and we can
use this knowledge to protect your rights.
Contact us today for a consultation, and let us help you take back control of your life.

#

If you feel powerless because debt collectors are calling for payment. You only need to understand your rights and how to exercise them.
The Fair Debt Collection Practices Act is a federal law that sets the ground rules for how third-party debt collectors can interact with consumers.
Most people are unaware of this rule and are harassed by debt collectors like credit card companies.
This law gives consumers crucial protections against predatory practices, such as calling you late at night, using harassing language, and pursuing you for a debt you don't owe. Exercising these rights can help you gain control of your dealings with debt collectors.
If debt collectors are harassing you, don't suffer in silence. There are steps you can take to protect yourself under the law.

ASJ Consultants can help.
We're experts in the Fair Debt Collection Practices Act, and we know how to stand up for your rights.
Contact us today for a consultation.

Debt Settlement means you have negotiated with the lender and they have agreed to accept less than the full amount owed as final payment on the account.
The account will be reported to the credit bureaus as "settled" or "account paid in full for less than the full balance."

Get in touch with us today to learn more about our debt settlement back-end process and how ASJ Credit Consulting can work for you.



It takes a long time to dig yourself out of debt, and you may not even know where to start.
We oer hassle-free solutions for your debts, saving you from nancial stress and additional
problems with creditor concerns.
So get in touch with us today to attain nancial independence.

Sometimes life simply happens; Expenses exceed income. Payments to creditors are received late or missed resulting in decline in your fico scores. Stress builds and most of us don’t know where to start to fix it.

The ASJ team has been there, and we know how it can impact daily life. We strive to help elevate some of that stress and anxiety for our clients by offering a budget analysis. A review of what’s coming in vs what’s going out. What your funds are being applied to along with what can be eliminated.

Have a chat with one of our specialists about your current situation; together we will
work toward a positive outcome to improve your financial health and more quality time with family and friends.



The average FICO Score in the U.S. rose to 714 in 2021. 🤯
Improving your FICO Score can be helpful before applying for a new line of credit such as a credit card, mortgage or personal loan. A higher score can help you secure better terms and lower interest rates available.
Let us help you reach you credit goals‼️
(800) 785-0335

If you want to control your spending and work toward your financial goals, you need a budget.

A written, monthly budget is a financial planning tool that allows you to plan how much you will spend or save each month. It also allows you to track your spending habits.

A budget will show you how much money you expect to bring in, then compare that to your required expenses.

It's an important part of keeping your financial house in order. That's because budgets rely on balance.

If you spend less in one area, you can spend more in another, save that money for a large purchase, build a "rainy day" fund, increase your savings, or invest in building wealth.

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The FCRA (Fair Credit Reporting Act) gives you the right to dispute information you believe to be incorrect or unverifiable. ☑️

Credit reporting agencies are responsible for removing any disputed information that can’t be verified or confirmed.

If the information is found to be accurate, the bureaus aren’t required to remove it. 🗑
They’re also obligated to provide a description of the dispute process if you request it in writing.

A 609 letter is another method of gathering information and seeking verification of the accuracy of the report. —a 609 letter doesn’t guarantee its removal.

(FCRA doesn’t require credit bureaus to keep or provide signed contracts or proof of debts, meaning that the information could still be found valid even if the specific documents you’re looking for aren’t produced. But this doesn’t mean you can’t or shouldn’t request such.)

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