http://www.colbykluthe.com/ on behalf of http://www.justinepetersen.org/
Credit Builder Workshop @ Urban Cafe Studio
Host:
Justine Petersen
Thursday, November 5, 2009
7:00pm - 10:00pm
Location: 2815 North 14th Street
St. Louis, MO 63107
Description
Join the Justine Petersen Credit Club on NOV 5th @ Urban Cafe Studio (FREE WORKSHOP)No reservation required BUT encouraged
RSVP via Facebook or email @ kschell@justinepetersen.org
http://www.facebook.com/JustinePetersenORG
Showing posts with label JP News. Show all posts
Showing posts with label JP News. Show all posts
Monday, October 26, 2009
Wednesday, April 22, 2009
Credit Builder Workshop- RSVP today!
YOU ARE INVITED TO JOIN US!
justinePETERSEN & justBIZ are offering aFREE “Credit Builder Tune Up” WorkshopThe workshop includes a 45 minute workshop on how to build credit, a credit report, and a one-on-one session with our credit educators.
rsvp- ckluthe@justinepetersen.org
When: Monday, APRIL 27th from 3pm-5pmWhere: justBIZ @Emerson Park Metrolink
15th Street & Bowman AveEast St. Louis, IL 62205
Justine Petersen
Thursday, March 5, 2009
Taking control of your credit score
http://hereandthere.freedomblogging.com/2009/02/14/taking-control-of-your-credit-score/755/
Taking control of your credit score
February 14th, 2009, 1:48 pm · 1 Comment · posted by lgriffith
During a recent first-time homebuyer counseling session, a Justine Petersen representative told me how I can keep my credit score high (or for those with a lower score, how to raise it).
I thought the information to be relevant in regards to just about everyone - not just first-time homebuyers trying to fulfill a grant requirement, so I decided I should share that information with readers.
Here’s what I learned:
Imagine that a credit card with a limit of $10,000 actually has a limit of $5,000. Do not charge more than 50% of your limit to be safe.
Pay the minimum amount each month unless you need to bring your debt down to a manageable amount (then pay a significant amount more, not a few dollars more). Having a low balance is good.
Avoid having $0 balances on credit cards longer than 6-9 months. After that period of time passes and there has been no action on your card, the creditor no longer has to report on you.
Don’t cancel old cards if they have no annual fee and aren’t hurting you. You don’t want to lose that credit history, so you can instead charge a meal or a pair of socks on that card, let it cycle through, and maintain that credit. Cards that you’ve had more than a year are considered “established credit.” Cards that you’ve had for three years or more are even better.
On the other hand, don’t keep balances on so many credit cards that you can’t keep track of them.
Payments later than 30 days past due can drop your score 100 points in one fell swoop.
If a creditor calls and asks whether you want to raise your limit, say YES. But keep in mind, you only want to say yes for the credit increase to bring up your score, not for the actual ability to charge more. That can get you in trouble.
thecredittruth.org also had some interesting advice and information on credit scores:
What’s good and what’s bad?
750-850 Excellent - you’ll get any loan with the very best terms
700-749 Very good - you qualify for highly competitive interest rates
650-699 Good credit
600-650 Fair
550-600 Poor
Also from thecredittruth.org:
Fast facts on American credit habits
The average American has 13 credit accounts - 9 cards and 4 installment loans
Less than half of all consumers have ever been 30 or more days late on a payment
3 out of 10 have ever been 60 or more days late
Under 20% have ever had a loan or account closed by the lender due to default
40% of people carry a credit card balance under $1,000
15% have balances above $10,000
Almost 37% carry more than $10,000 of non-mortgage-related debt
The typical consumer has a combined credit limit of $19,000
1 in 7 are using 80% or more of their limit
Visit the site for more information about credit scores.
Taking control of your credit score
February 14th, 2009, 1:48 pm · 1 Comment · posted by lgriffith
During a recent first-time homebuyer counseling session, a Justine Petersen representative told me how I can keep my credit score high (or for those with a lower score, how to raise it).
I thought the information to be relevant in regards to just about everyone - not just first-time homebuyers trying to fulfill a grant requirement, so I decided I should share that information with readers.
Here’s what I learned:
Imagine that a credit card with a limit of $10,000 actually has a limit of $5,000. Do not charge more than 50% of your limit to be safe.
Pay the minimum amount each month unless you need to bring your debt down to a manageable amount (then pay a significant amount more, not a few dollars more). Having a low balance is good.
Avoid having $0 balances on credit cards longer than 6-9 months. After that period of time passes and there has been no action on your card, the creditor no longer has to report on you.
Don’t cancel old cards if they have no annual fee and aren’t hurting you. You don’t want to lose that credit history, so you can instead charge a meal or a pair of socks on that card, let it cycle through, and maintain that credit. Cards that you’ve had more than a year are considered “established credit.” Cards that you’ve had for three years or more are even better.
On the other hand, don’t keep balances on so many credit cards that you can’t keep track of them.
Payments later than 30 days past due can drop your score 100 points in one fell swoop.
If a creditor calls and asks whether you want to raise your limit, say YES. But keep in mind, you only want to say yes for the credit increase to bring up your score, not for the actual ability to charge more. That can get you in trouble.
thecredittruth.org also had some interesting advice and information on credit scores:
What’s good and what’s bad?
750-850 Excellent - you’ll get any loan with the very best terms
700-749 Very good - you qualify for highly competitive interest rates
650-699 Good credit
600-650 Fair
550-600 Poor
Also from thecredittruth.org:
Fast facts on American credit habits
The average American has 13 credit accounts - 9 cards and 4 installment loans
Less than half of all consumers have ever been 30 or more days late on a payment
3 out of 10 have ever been 60 or more days late
Under 20% have ever had a loan or account closed by the lender due to default
40% of people carry a credit card balance under $1,000
15% have balances above $10,000
Almost 37% carry more than $10,000 of non-mortgage-related debt
The typical consumer has a combined credit limit of $19,000
1 in 7 are using 80% or more of their limit
Visit the site for more information about credit scores.
justinePETERSEN Responds to Economic Downturn
http://www.justinepetersen.org/
Justine Petersen Responds to Economic Downturn
Justine Petersen is experiencing a significant increase in the demand for its services as a result of the sharp economic downturn and housing crisis. At Justine Petersen, we have a proven track record of helping individuals who are unable to secure conventional financing to buy homes and start small businesses; a position of more and more Americans.
With the increase in unemployment, many are turning toward entrepreneurship to take matters into their own hands and create jobs for themselves and others affected by the economic downturn. Read this story about Justine Petersen client Chris Surgener that ran on the front page of the St. Louis Post Dispatch on Sunday March 1.
Justine Petersen in 2008 distributed $1.8 million in microloans to help 295 entrepreneurs start small businesses in the St. Louis Metropolitan area. This is a powerful counter to the headlines about the economic crisis - and its happening right here in our neighborhoods.
Justine Petersen is actively helping area families purchase homes with safe and affordable financing, and educating them on how to use credit wisely. Even in the midst of the economic downturn, Justine Petersen is at the forefront of innovative solutions to continue to get families into homes. When families have nowhere else to turn for financing, Justine Petersen is there with real solutions. Read about Laurie Griffith's experience with Justine Petersen's homebuyer seminar.
Justine Petersen last year helped 224 families purchase homes in the St. Louis Metropolitan area.
How can you get involved? NOW, more than ever, Justine Petersen needs you to be a part of the solution for St. Louis communities to today's economic crisis. Volunteer to assist with credit and financial education classes. Donate to Justine Petersen's entrepreneurial training or loan fund. Thinking of refinancing? Justine Petersen offers a Home-to-Home Mortgage product where the revenue generated from Home-to-Home Mortgages supports homebuyer education. We need you to be part of the solution.
To Learn More About Justine Petersen, visit our webpage.
http://www.justinepetersen.org/
justinePETERSEN (central offices)
1023 N. Grand Ave
St. Louis, MO 63106
314-664-5051
justBIZ (Illinois Location)
@ Emerson Park Metro Station
908 N 11th Street
East St. Louis, IL 62201
618-482-4557 or 314-565-2000
Justine Petersen Responds to Economic Downturn
Justine Petersen is experiencing a significant increase in the demand for its services as a result of the sharp economic downturn and housing crisis. At Justine Petersen, we have a proven track record of helping individuals who are unable to secure conventional financing to buy homes and start small businesses; a position of more and more Americans.
With the increase in unemployment, many are turning toward entrepreneurship to take matters into their own hands and create jobs for themselves and others affected by the economic downturn. Read this story about Justine Petersen client Chris Surgener that ran on the front page of the St. Louis Post Dispatch on Sunday March 1.
Justine Petersen in 2008 distributed $1.8 million in microloans to help 295 entrepreneurs start small businesses in the St. Louis Metropolitan area. This is a powerful counter to the headlines about the economic crisis - and its happening right here in our neighborhoods.
Justine Petersen is actively helping area families purchase homes with safe and affordable financing, and educating them on how to use credit wisely. Even in the midst of the economic downturn, Justine Petersen is at the forefront of innovative solutions to continue to get families into homes. When families have nowhere else to turn for financing, Justine Petersen is there with real solutions. Read about Laurie Griffith's experience with Justine Petersen's homebuyer seminar.
Justine Petersen last year helped 224 families purchase homes in the St. Louis Metropolitan area.
How can you get involved? NOW, more than ever, Justine Petersen needs you to be a part of the solution for St. Louis communities to today's economic crisis. Volunteer to assist with credit and financial education classes. Donate to Justine Petersen's entrepreneurial training or loan fund. Thinking of refinancing? Justine Petersen offers a Home-to-Home Mortgage product where the revenue generated from Home-to-Home Mortgages supports homebuyer education. We need you to be part of the solution.
To Learn More About Justine Petersen, visit our webpage.
http://www.justinepetersen.org/
justinePETERSEN (central offices)
1023 N. Grand Ave
St. Louis, MO 63106
314-664-5051
justBIZ (Illinois Location)
@ Emerson Park Metro Station
908 N 11th Street
East St. Louis, IL 62201
618-482-4557 or 314-565-2000
Friday, February 20, 2009
justBIZ now accepting memberships!
IT’S COLD OUTSIDE… NEED A HOT SPOT??....
OPENING THIS WEEK!!
EMERSON PARK METROLINK STATION
*Wireless Internet *Computer Rentals....
*Copy & Fax Services....
*Conference Room Rental....
*Credit Building Services....
*Small Business Resources....
Walk-Ins Welcome
OPENING THIS WEEK!!
EMERSON PARK METROLINK STATION
*Wireless Internet *Computer Rentals....
*Copy & Fax Services....
*Conference Room Rental....
*Credit Building Services....
*Small Business Resources....
Walk-Ins Welcome
—Memberships $25/Month....
Students & Seniors ONLY $10/Month....
Become a justBIZ member Today!....
618-482-4557
Students & Seniors ONLY $10/Month....
Become a justBIZ member Today!....
618-482-4557
ckluthe@justinepetersen.org for more information.
http://www.justinepetersen.org/
justBIZ is owned by justinePETERSEN, a local non-profit organization, offering services for Home Ownership and Small Business Owners. justBIZ operates as a non-profit social enterprise, supported by our members.....
Monday, November 17, 2008
Rev. William Hutchison Selected Neighborhood Hero
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FOR IMMEDIATE RELEASEContact: Galen Gondolfi314-664-5051 ext. 132
The Rev. William Hutchison Selected Neighborhood Hero
ST. LOUIS (Nov. 17, 2008) - The Rev. William Hutchison will be given a Local Hero award by Bank of America for his work in underserved communities, including as a board member for Justine Petersen, a nonprofit organization that helps build assets for low- and moderate-income individuals.Hutchison will be honored in an award ceremony set for Nov. 17 at the St. Patrick Center in St. Louis. Bank of America annually selects five local heroes who champion causes vital to their communities, inspire others to get involved, and have special and significant impact on individuals, families, or communities."We commend Bank of America for selecting Father Hutchison as an individual who is dedicated to alleviating poverty in the St. Louis community. His work has a tremendous impact in helping the underserved build assets and lasting positive change for generations to come," said Robert Boyle, chief executive officer of Justine Petersen.Hutchison has been a member of the board of directors of Justine Petersen since 2003. He was a member of the faculty of the St. Louis University School of Social Work from 1972 to 2003 and served as dean between 1985 and 1995. Among his many accomplishments, Hutchison founded the Doerr Center for Social Justice Education and Research in 1994 and continues to sit in its executive and education committees. He also served on the St. Louis Archiodiocese Catholic Charities board of directors as well as the state and St. Louis chapter boards of the Missouri Association for Social Welfare. One of the most lasting accomplishments was his founding of the Northside Community Center in 1973. He has seen the agency grow into one that serves residents of all ages, and most recently has worked to provide new and rehabbed housing to community residents. Justine Petersen is a 501 (c)(3) nonprofit organization that assits low- and moderate-income individuals to build assets through homeownership preparation and retention, credit building and financial education, small-business technical assistance and lending and matched savings program. The organization was founded in honor of the late Justine Petersen in 1997 and has expanded to serve individuals and families across the St. Louis metropolitan area. For more information, click here.
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Please share this with a friend
FOR IMMEDIATE RELEASEContact: Galen Gondolfi314-664-5051 ext. 132
The Rev. William Hutchison Selected Neighborhood Hero
ST. LOUIS (Nov. 17, 2008) - The Rev. William Hutchison will be given a Local Hero award by Bank of America for his work in underserved communities, including as a board member for Justine Petersen, a nonprofit organization that helps build assets for low- and moderate-income individuals.Hutchison will be honored in an award ceremony set for Nov. 17 at the St. Patrick Center in St. Louis. Bank of America annually selects five local heroes who champion causes vital to their communities, inspire others to get involved, and have special and significant impact on individuals, families, or communities."We commend Bank of America for selecting Father Hutchison as an individual who is dedicated to alleviating poverty in the St. Louis community. His work has a tremendous impact in helping the underserved build assets and lasting positive change for generations to come," said Robert Boyle, chief executive officer of Justine Petersen.Hutchison has been a member of the board of directors of Justine Petersen since 2003. He was a member of the faculty of the St. Louis University School of Social Work from 1972 to 2003 and served as dean between 1985 and 1995. Among his many accomplishments, Hutchison founded the Doerr Center for Social Justice Education and Research in 1994 and continues to sit in its executive and education committees. He also served on the St. Louis Archiodiocese Catholic Charities board of directors as well as the state and St. Louis chapter boards of the Missouri Association for Social Welfare. One of the most lasting accomplishments was his founding of the Northside Community Center in 1973. He has seen the agency grow into one that serves residents of all ages, and most recently has worked to provide new and rehabbed housing to community residents. Justine Petersen is a 501 (c)(3) nonprofit organization that assits low- and moderate-income individuals to build assets through homeownership preparation and retention, credit building and financial education, small-business technical assistance and lending and matched savings program. The organization was founded in honor of the late Justine Petersen in 1997 and has expanded to serve individuals and families across the St. Louis metropolitan area. For more information, click here.
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