Reasons To Live In Charlotte, NC #2

Reasons Charlotte NC is a great place to live. Reason 2 This week we are listing 5 reasons why Charlotte NC is a great place to live. Many of our clients are considering a move to Charlotte and want to know why Charlotte is such a great place.

Today, Reason #2 If you love theater and the arts you will love Charlotte N.C.

We have :

The Actors Theater http://www.actorstheatrecharlotte.org/

Theater Charlotte http://www.theatrecharlotte.org/

North Carolina Blumenthal Performing Arts Center Home http://www.blumenthalcenter.org/

Belk Theater http://www.tickettango.com/ResultsGeneral.aspx?stype=0&kwds=Belk%20Theatre&gclid=CNSshr7NtZoCFRJxxwodXSezcw

Children's Theatre of Charlotte http://www.ctcharlotte.org/

Charlotte Comedy Theater http://www.charlottecomedy.com/

Neighborhood Theater http://www.neighborhoodtheatre.com/

North Carolina Dance Theater http://www.ncdance.org/

The Charlotte Symphony http://www.charlottesymphony.org/

The Mint Museum http://www.mintmuseum.org/

Ovens Auditorium http://www.ovensauditorium.com/

Tremont Music Hall http://www.tremontmusichall.com/home.aspx

The Comedy Zone http://heffrontalent.com/v2/

There is a whole lot more. This is in no way an exhaustive list.

If you have credit issues we can help you at HOPE. Whether it is a small issue or many larger ones we can guide you to the credit score you desire. If you would like to know more please call us at 704-503-3669. Our staff is waiting for your call.

Reasons To Live in Charlotte, NC #1

Reasons Charlotte NC is a great place to live. Reason 1

Many of our clients are considering a move to Charlotte. I am often asked how do you like living here. We moved here 24 years ago. I had no idea we would stay so long but we have grown to love Charlotte and really enjoy living here.

This week I will list 5 reasons Charlotte, NC is a great place to live. There are many more than these five reasons but I hope to help make you more appreciate Charlotte more.

Reason #1. If you are a sports enthusiast you will love Charlotte. It will be impossible to even begin to list all of the sports activities but here are a few.

This week is “Race Week” at Lowes Motor Speedway.

Friday 5/15 is the NASCAR Sprint All-Star Race Qualifying http://www.lowesmotorspeedway.com/schedules/superspeedway/nc_education_lottery_200/

Saturday 5/16 is the NASCAR Sprint All-Star Race http://www.lowesmotorspeedway.com/schedules/superspeedway/nascar_sprint_allstar_race/

Thursday 5/21 is the Windstream Pole Night http://www.lowesmotorspeedway.com/schedules/superspeedway/windstream_pole_night/

Friday 5/22 is the World of Outlaws Sprint Car Showdown http://www.lowesmotorspeedway.com/schedules/the_dirt_track/rite_aid_outlaw_showdown/

Saturday 5/23 is the CARQUEST Auto Parts 300 http://www.lowesmotorspeedway.com/schedules/superspeedway/carquest_auto_parts_300/

Sunday 5/24 is the Coca-Cola 600 http://www.lowesmotorspeedway.com/schedules/superspeedway/coca_cola_600/

Still not enough racing

We have Dirt Track Racing http://www.lowesmotorspeedway.com/the_dirt_track/

We have zMAX Dragway http://www.lowesmotorspeedway.com/dragway/

We also have the Bank Of America 500 in October http://www.lowesmotorspeedway.com/schedules/superspeedway/bank_of_america_500/

Check out the full schedule at http://www.lowesmotorspeedway.com/schedules/overall_schedule/

We have NFL Football with the Carolina Panthers http://www.panthers.com/

Charlotte has NBA Basketball http://www.nba.com/bobcats/

Quail Hollow PGA Championship http://www.quailhollowchampionship.com/pages/0,,5258_5262,00.html

Charlotte Knights Baseball http://www.minorleaguebaseball.com/index.jsp?sid=t494

Professional Indoor Football with Carolina Speed http://www.carolinaspeed.com/

Charlotte Checkers Hockey

The Nascar Hall of Fame is being built here. http://www.nascarhall.com/

We have the Olympic White Water Rafting Complex http://www.usnwc.org/Whitewater-Rafting.html

We have great college sports with UNC Charlotte and Davidson University http://www.charlotte49ers.com/ http://www.davidsonwildcats.com/

And a whole lot more. If you like local, college or professional sports, Charlotte, NC is the place to be.

If you have credit issues that keep you from getting the very best interest rate possible on your loan give us a call at 704-503-3669. We can help you get your credit exactly where you want it to be. Our staff is waiting on your call.

Factors That Negatively Affect Credit Part 5

Factors That Negatively Affect Credit – Part 5

This week we have been looking at factors that negatively affect your credit scores.

Today we will look at your credit balances.

If you have unpaid collection accounts many times a negotiation and payment of the account will raise your scores significantly. You have to be careful because some times paying off a collection account will cause your scores to decline.

If your credit card balances are too high it will negatively affect your scores. You can use the “Snow Ball” payment plan to bring these cards under control. Sometimes spreading your debt will increase your scores.

Many times you will need a budget analysis to see how you can spend your monies more wisely. It does not take long to get into trouble if you are spending more than you are bringing in. It may take some discipline but you will be amazed at how quickly you can begin to see progress.

Some types of loans affect your scores negatively as well. There are certain types of lending that you need to stay away from. You may need some guidance before you make lending decisions.

At HOPE we can guide you through the maze of hurdles it takes to have good credit scores. If you would like to know more please call us at 704-503-3669.

Factors That Negatively Affect Credit Part 4

Factors That Negatively Affect Credit – Part 4

This week we have been looking at factors that negatively affect your credit scores.

Today we will look at your credit history.

Our credit scores are based upon our payment history. If we maintain the proper kind of credit and maintain healthy balances our scores are affected positively. If we open the wrong kind of credit and have high balances it will affect our scores negatively.

If you have no current credit accounts you could end up with no scores at all.

35% of your credit score is based upon your payment history. Creditors report your positive or negative payment history to the credit bureaus. Consumers who take on debt and pay it back on time increase their scores. You can see how important it is to maintain your accounts carefully.

30% of your scores are based upon your outstanding debt as compared to your credit limits. It is best to keep your outstanding debts as low as possible.

15% of your scores are determined by the length of your credit history. Closing old accounts sometimes will hurt your scores.

10% of your score are based on the different types of credit you have. You can hurt your scores without proper guidance.

At HOPE we can help you develop healthy credit habits. Please call us at 704-503-3669 and we will be glad to assist you.

Factors That Negatively Affect Credit Part 3

Factors That Negatively Affect Credit – Part 3

We are continuing to discuss this week factors that negatively affect your credit.

Today we will look at inquiries.

Every time someone pulls your credit report you lose 1 – 3 points. It is unwise to apply for credit haphazardly. Many stores will encourage you to apply for their credit card and offer you a discount off today’s purchase as an incentive for doing so. The discount may cost you a lot more over the long run with higher ineterest rates.

10% of your scores are based upon credit applications you submit to lenders. It is better to keep these to a minimum.

It is important to check your credit report at least once a year so you can be sure what is on your report. You don’t lose any credit score points for checking your own credit report.

Inquiries that you have initiated will negatively affect your scores for 24 months.

It is important to have professional help in making wise credit decisions. At HOPE we can help you make wise choices when it comes to applying for credit. You want to be sure you are helping and not hurting your credit scores. If you would like more information please call us at 704-503-3669. We are waiting on your call.