Harrine Freeman is an authority on personal finance. She is a financial counselor, CEO of H.E. Freeman Enterprises and Author of "How to Get out of Debt: Get An “A” Credit Rating for Free," a self-help book that provides a step-by-step plan on how to get out of debt, increase credit scores and plan for the future.
She has impacted the lives of thousands through speaking engagements and counseling. She helps client's prepare for financial freedom, by providing useful advice to steer clients in the right direction.
She is a member of Credit Professionals International, American Association of Daily Money Managers, American Association of Individual Investors and National Speakers Association. Harrine has been featured in: Featured in Market Watch, Wall Street Journal, Forbes,The Washington Post, NASDAQ, Huffington Post, MSN Money, Black Enterprise, Essence Magazine, Ebony, Woman’s Day magazines.
Listen to her Sisterhood session today: http://www.audioacrobat.com/sa/W82LkLmT
Topic: How to Get Out of Debt as a New Business Owner
Topic: Get Out of Debt - How Your Life Would Change with A+ Credit
Harrine Freeman is a credit repair expert and CEO of H.E. Freeman Enterprises, a credit repair and personal finance services company. She provides personal consultations to teach consumers how to get out of debt and learn how to manage their finances. She also provides debt management workshops for schools, churches and organizations.
How to Increase Your Credit Score by Harrine Freeman
Credit scores are used to determine: if you will be hired for a job, approval for credit, interest rates, terms and conditions, down payment costs, rates for medical and other insurance coverage, approval for cable and internet service and more.
A credit score ranges from 300-850 with 850 being the highest score and 300 being the lowest core. A good credit score is 700 or above. Here are 6 things you can do to increase credit score:
1. Review. Review your credit reports at least once a year at www.annualcreditreport.com and fix any errors on your credit reports.
2. Balances. Keep credit card balances at 20% or less of the credit limit.
3. New Accounts. Don’t open more than one new account every 2 years.
4. Payments. Pay all your bills on time. Get current on any late accounts.
5. Credit. If you have bad credit open a secured credit card to help reestablish your credit history.
How to Get Out of Debt: Get an "A" Credit Rating for Free
Can you imagine how your life would change if you had good credit? Imagine the relief? Less stress, not worrying about bill collectors calling you at home or at work, and putting an end to your fights with your partner, spouse or children that are caused by not having any money. You would be able to buy things that you needed or wanted, and get a great interest rate for a home or car loan. These are just some of the many benefits of having good credit and using this book can help you reach that important financial goal.
My own story begins my sophomore year in college. At $19,000 in debt, I knew I was in deep trouble and had to dramatically change my life and spending habits.
This comprehensive self-help book provides step by step details on how to repair your credit, get out of debt, create your own flexible spending plan and maintain your good credit without having to go to a credit counseling agency or file for bankruptcy.
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How to Get Out of Debt: Get an a Credit Rating for Free by Harrine Freeman
Listen to the author reading: http://www.audioacrobat.com/note/Cl5vKNJx
How to Get Out of Debt: Get an "A" Credit Rating for Free gives you step by step details of how to get out of debt. The first step is to identify your spending habits. Next create your own spending plan to begin paying off your debts, establish an "A" credit rating and develop a nest egg for the future.
How To Get Out of Debt will show you how to:
* Determine if you have bad credit
* Repair your credit
* Maintain your good credit
* Deal with telemarketers and creditors
* Create your own spending plan
* Prevent identity theft
Harrine Freeman has helped thousands of people nationwide take action and improve their financial status. She is a financial expert, speaker, counselor, writer, CEO and owner of H.E. Freeman Enterprises. H.E. Freeman Enterprises is a financial services company that provides personal finance consulting services such as credit repair, debt reduction, budgeting, saving, planning for retirement and financial literacy education and training to help consumers improve their financial lives.
She is the best-selling author of "How to Get out of Debt: Get An "A" Credit Rating for Free," a self-help book that provides consumers with a step by step plan on how to get out of debt, increase their credit rating, track their spending and plan for the future.
Harrine is a regularly featured financial expert in the media. She has made over 150 media appearances. She has been a guest on NPR, CBS, Fox, NBC and ABC, and TV One.
She has been featured in many major publications including, Market Watch, Forbes, Newsday, MSN Money, NASDAQ, The Washington Post, The Huffington Post, Bankrate.com, Newsday, The Wall Street Journal, Woman's Day magazine, and Shape Magazine. She has been a contributor to PBS Parents and GEMS Bahamas Radio Station.
A renowned motivational and financial speaker, Harrine regularly presents seminars for and delivers keynote addresses to Fortune 500 companies, universities, sororities, nonprofit organizations and national conferences.
Check out How to Get Out of Debt: Get an "A" Credit Rating for Free
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