My Credit Plan

Helping you achieve credit wellness and save money on loans.

[My Credit Plan @plan_credit]

Over a year ago, I had a conversation with an executive vice president of one of the largest secondary credit reporting agencies in the country. He was talking about the lack of quality assistance to help their clients improve their credit scores. He stated that loan officers too often talk a big game but offer very little in substance. He called their so-called credit optimization, "Gimmick programs." 

To read more, click the following link:

https://t.co/RjoTpdMJa5

[My Credit Plan @plan_credit]

The State of Utah has funded Mortgage 850 to help more Utah homebuyers improve their home purchasing power. Christine Flores with KUTV (CBS) in Salt Lake City reports about a young couple who utilized Mortgage 850 which has given them a roadmap to homeownership.

Clink on this link to the story:

https://t.co/lQR49W0Dd0

[My Credit Plan @plan_credit]

Most homebuyers are ending up with higher interest rate than what is the lowest interest rate. A recent review of over 1,600 mortgages in 2025 discovered that 68% of those mortgages had a higher than the lowest interest rate offered at that time.

To read more, please click on the following link:

https://t.co/RshKdj1oOE

[My Credit Plan @plan_credit]

This Program is Called, “A Game Changer for All Homebuyers”

The State of Utah has just funded a cutting-edge technology for future Utah homebuyers called “Mortgage 850 by My Credit Plan.”

To read more, click on the following link:
https://t.co/YrbXykMYJx...

[My Credit Plan @plan_credit]

Many lenders advertise that they offer “Credit Builder loans”. This is just a blatantly false advertisement. The sole purpose is to get you to open a credit card or take out a loan with them. Don’t do it. I’ll explain why.

https://t.co/eUL0CSftsU

[My Credit Plan @plan_credit]

This past weekend when no one was looking, the U.S. Treasury revealed how much in interest the government is paying on the ballooning national debt. With higher interest rates, the numbers were eye-popping. It will have the following repercussions going forward for all Americans. Click the following link to read more.

https://t.co/E9DdApWWaZ

[My Credit Plan @plan_credit]

Over the last 18 months, interest rates have taken a hard hike higher evaporating the dreams of many. The question is asked, when will interest rates decline? There are some indicators to give everyone some ideas. To read more, click on the following link.
https://t.co/CnW2pylv1G

[My Credit Plan @plan_credit]

The Biden administration is trying to eliminate medical debt from your credit report. Is it true? There are many players in this and it will yet to be determined if that will be true.
To read more, click on the given link.
https://t.co/wFLYaMX6sP

[My Credit Plan @plan_credit]

Two states have now passed laws that create an unfair and uneven assessment with consumer credit reports. What is fairness? That some are treated one way and others are treated another way? That is Un-American.
To read more, click on the following link:
https://t.co/KI7lXhcdcZ...

[My Credit Plan @plan_credit]

You are LOVED and IMPORTANT.
If you or someone you know are in need of help, call 988 now.
#suicidepreventionday

[My Credit Plan @plan_credit]

Did you know...
The credit scores that Chase, American Express, Bank of America (just to name a few) give you on their website or mobile app is NOT the same credit score that they use to determine if you qualify for a credit card or loan.

[My Credit Plan @plan_credit]

The most EFFECTIVE credit improvement program, all conveniently available online.

[My Credit Plan @plan_credit]

Generally, of the 3 credit bureaus- TransUnion®, Experian®, Equifax® - your Experian FICO® score will suffer the most from personal debt.
[there are exceptions to this]

[My Credit Plan @plan_credit]

Many companies are trying to keep you in the dark when it comes to accurate credit information. We believe in transparency.

[My Credit Plan @plan_credit]

Mortgage insurance payment is based on credit score and % of down payment. If you pay 20% down, you don’t need to pay Property Mortgage Insurance.

[My Credit Plan @plan_credit]

Credit Repair companies fined billions for illegal fees.

Learn more by clicking on the link:

https://t.co/8P4HvLuRQ2

[My Credit Plan @plan_credit]

Score yourself a better interest rate for your next auto purchase.

[My Credit Plan @plan_credit]

Questions to ask lenders to ensure you get the best deal:
- What's my total loan discount fee?
- What are the rate and payment options?
- Loan credits: Do I qualify for any?
Most mortgage officers wont give unless you ask.

[My Credit Plan @plan_credit]

Lots of professionals will say you have 45 days to shop for a mortgage in order to have only one hard inquiry on your credit report. This is incorrect. According to FICO®, you have 14 days. After that point, your report will show more than one hard inquiry.