First Time Home Buyers Credit Preparation

1.R.J Credit Associates has officially launched our first time homebuyers credit preparation program. After seeing proven results its the best program of its kind for the complete michigan region.

Newly launched because of high demand and proven results! R.J Credit Associates first time home buyers credit preparation program/course is available to persons interested in home-ownership for the first time. We prepare their credit so they are in a position to purchase, we assist in debt management to eliminate the option of debt increase once the home is purchase( i.e avoid possible foreclosure due to excessive debt obligations in the future), we provide a budget to make sure the homeowner can afford the home and is saving properly in-case of a emergency
and best of all we work on increasing the score to get you a better interest and to help you get preapproved. To sign up or inquire about our first time homebuyers credit preparation program please call us (248)-451-1533. We offer Free consultations!

2. Were Expanding-

R.J Credit Associates is Michigans premiere and fastest growing credit and debt counseling of its kind. Due to proven results and high demand were looking into coming to a city near you with offices currently being opened in the Southfield, Royal Oak, Troy, Pontiac and Detroit area and The state of Georgia.

3. Three for free: As pillars to our community it's are pleasure to give back , we also love the testimonals . (Which is why we launched our three for free).

Every year R.J Credit Associates selects three individuals to provide them with any three programs for free. To enter go to our contact page and place "three for free" in the subject box along with your name, address and phone number and why you feel you should win. (financial situation added to the comments is always a plus but not neccessary).

4.RJ's little financial scholar or young financial expert awards and Bike Giveaway.

Every thing starts at child hood from tying our shoes to business etiquette, finances are no different. R.J Credit Associates selects a little scholar and young financial expert each year. We give them prizes ( Bikes, getaways, gift cards, cameras and more) for sharing their practices of how they are staying financial savvy. Tell us how you save or the steps your using to building credit and maintaing a strong financial history and we will enter your name into our annual drawing.

The Deal Breaker of spending

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 toward the door and not spend a penny. Here's my point we "as in consumers" are spending money and not demanding the proper service aka customer service. If I'm spending money at least make me feel proud of doing this or excited. Next time you get ready to buy something decide your purchase from customer service you might be surprised at how much you save. Tell me about your customer service deal breakers. Has customer service helped you make your final decision on a purchase?

Hypochondriac or Debt -Which is worse ?

The title may sound like these two words have no relation but indeed they both sound the same but one of them is actually worse...Which one you say? Its debt, debt is the worse because its hardest to fix than this medical illness.


Hypochondriasis, hypochondria (sometimes referred to as health phobia or health anxiety) refers to excessive preoccupation or worry about having a serious illness. An individual suffering from hypochondriasis is also known as a hypochondriac. Hypochondriacs become unduly alarmed about any physical symptoms they detect, no matter how minor the symptom may be, they are convinced that they have or are about to have a serious illness.  

Hence the word “convinced”

, meaning this is merely just a phobia just like people are scared of heights, spiders, fish.....Yes...fish, water and more. Hypochondria can be diagnosed and treated with the proper medical care. Debt on the other hand, is more harming than hypochondria, as its nothing that can vanish over time unless the proper treatment is taken. In fact the #1 reasons for stress currently in America is DEBT.....the one thing that these two words have in common is the fact with the right treatment it to can vanish.  Nearly one-third of our population has debt of some sort whether with credit cards, home loans, student loans, hospital bills, or car loans...Reality is if you borrowed something from a financial institution if it’s not paid for in cash it’s a debt.

Here’s the question for the day, if persons with hypochondria are alarmed by certain physical symptoms that makes them believe they have an illness. Why are we as people not alarmed when we are spending all or at least half our paychecks toward debt. Hypochondriacs’ are convinced they have an illness while people with poor credit are convinced it will not take treatment to fix the mind, than the habit, than the issue.

In conclusion, if it’s easy for us to compare some things such as interest rates per lender or compare prices on a product than why isn’t it so easy to compare our financial mentality and realize that it’s going to take effort and the proper treatment to correct these types of habits of spending. So I’m going to ask you and you can comment on my blog at www.rjcreditassociates.blogspot.com  ....Which is worse to you hypochondria or debt?

Back for the first time............

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 $500 on one card, it almost appears the screeching noise coming from the hangers on the racks is addicting; as the scrolling speed increases while looking for more things to buy.  After selecting 27 items and checking out at the register the total comes to $494.74; well your transaction was "approved".  Walking out the mall proudly holding their head high thinking of all the compliments that will be received in their new attire one thing that hadn’t been considered is the financial choice that was just made was going to follow them for the next 3-5 years.  

    Here's the point,  were not making purchases wisely and thinking for the long haul. Are we stuck on the right know? I would have to answer yes. There are people in the world that still don’t understand the meaning of the word 401K. The question is why? People say “ooh money isn't that important" or “I just don't have enough" or "I’m comfortable"

.   Truth is the same people that told me that they were comfortable are the same people seeking modifications for their homes; these are the same people that attempted to get rid of their stocks once the market crashed and the same people looking for help in this horrible state of economy.

    I believe this current state of economy leaves room for negotiation.  We need to be smarter negotiators whether at buying a home or buying anything.  I think it’s time that we drop the habits and tendencies that landed us here in the beginning i.e. over spending  and being uneducated on laws that effect us financially.  Let’s drop all of those habits and start new “start fresh”, start educating our children before they go to college and tell them the true meaning of the word debt and how they can AVOID it so they don’t have to suffer.  If your currently in debt find a way to get out. Whether that means picking up a extra job regardless of the income your that much closer to a peace of mind. Let’s come back into the financial world for the first time.

Critques, Critques, Critques

Nothing is the same this year as it was last year, or 10 years before that, and 10 years from know things wont be the same  either. Now is a great time for real estate agents to get into the market or even open up their careers. Why you ask? because in about 1 year and in February people are going to be swarming for houses because its such a lucrative market. You can buy homes for a as little as $500.00 in Michigan. Why not make your self a first time home buyer. Is your credit the problem?

Everything is a process and we as individuals focus on the now factor a lot....now in it now...change this now.....what ever happened to process. First time home buying is a process in itself short sales take about 120 days to close. while buying a foreclosures takes only half the time but get all your ducks in a row before you make this move because as a easy as you gain it can be lost. If your interested in buying a home please make sure you clean your credit first a higher score the better interest you receive.

Why do so many people think it's okay to ruin their credit.

I'm hearing to many people that are content with walking away from their homes, without making any effort to save their credit rating and not do a modification. Why sacrifice your score?