The Best – Worst – First Thing You Should Do In Your Business – Day #2

In today’s video I wanted to share with you a great tip from a new book called Best / Worst / First – Everything you need to know to build the business of your dreams by Margie Aliprandi and Martha Finney.

Today’s tip comes from Randy Gagethebest

Best – Seize the chance to be world-class

Worst – Assume everyone is a leader

First – Recruit, recruit, recruit

If you are looking for an exciting business that is fun to do and very simple watch the video below.

Watch This Video

…and follow the simple steps. It’s working for me and thousands of others out there online.


Sonia Lee

Work With Me 

PS: Drop me a line and lets talk



171 thoughts on “The Best – Worst – First Thing You Should Do In Your Business – Day #2

  1. Spot on with this write-up, I actually believe
    that this amazing site needs far more attention. I’ll probably be returning to read through more, thanks for the

  2. I have been exploring for a little for any high-quality articles or blog posts in this sort of
    house . Exploring in Yahoo I ultimately stumbled upon this site.

    Studying this information So i am glad to express that I’ve
    a very just right uncanny feeling I discovered exactly what
    I needed. I so much indubitably will make sure
    to do not put out of your mind this website and provides it a look regularly.

  3. Remarkable! Its truly remarkable piece of writing, I have got much clear idea on the topic of from
    this piece of writing.

  4. Having read this I believed it was extremely enlightening.
    I appreciate you spending some time and energy to
    put this content together. I once again find myself spending a significant amount of time both reading and posting comments.
    But so what, it was still worth it!

  5. It’s actually a great and useful piece of information. I’m happy that you
    shared this helpful information with us. Please keep us
    informed like this. Thank you for sharing.

  6. It’s amazing to go to see this web site and reading the views of all mates about this paragraph, while I am also eager of getting experience.

  7. Thank you for another magnificent post. The place else may just anyone get that type of info in such a perfect method of writing?

    I have a presentation next week, and I am at the search for such information.

  8. I blog frequently and I truly thank you for your content.
    The article has really peaked my interest. I’m going to
    take a note of your website and keep checking for new details about once per week.

    I opted in for your Feed as well.

  9. What’s up, its pleasant piece of writing about media print, we all understand media is a impressive source of information.

  10. I like the helpful info you supply to your articles.

    I will bookmark your weblog and check once more here regularly.
    I am fairly sure I’ll learn many new stuff right right here!
    Good luck for the next!

  11. Hey There. I discovered your blog using msn. This is a really neatly written article.
    I’ll be sure to bookmark it and return to read more of your useful
    information. Thanks for the post. I’ll definitely comeback.

  12. You could definitely see your enthusiasm within the work you write.
    The arena hopes for more passionate writers like you who aren’t afraid to mention how they
    believe. Always follow your heart.

  13. I think this is one of the most significant info for me.
    And i am glad studying your article. However want to observation on some
    general things, The site style is wonderful,
    the articles is actually great : D. Just
    right activity, cheers

  14. It is the best time to make some plans for the future and
    it is time to be happy. I’ve read this post and if I could I desire to suggest you few interesting things or
    tips. Perhaps you can write next articles referring to
    this article. I want to read more things about it!

  15. Hello there, I found your web site by means of Google whilst looking for a comparable matter, your website came up, it
    looks good. I have bookmarked it in my google bookmarks.

    Hi there, simply was alert to your weblog thru Google,
    and located that it is really informative. I am going to be careful for brussels.
    I’ll appreciate for those who proceed this in future.
    Numerous other folks shall be benefited out of your writing.

  16. Your style is unique compared to other people I have read stuff from.
    Thanks for posting when you’ve got the opportunity,
    Guess I will just bookmark this blog.

  17. Pretty nice post. I just stumbled upon your blog and wanted to say that I’ve truly enjoyed browsing your
    blog posts. In any case I will be subscribing to your rss feed and I hope you write again very soon!

  18. I don’t know whether it’s just me or if perhaps everyone else encountering issues with your website.

    It appears like some of the text on your content are running off the screen. Can somebody else please comment and let me know if this
    is happening to them as well? This might be a issue
    with my internet browser because I’ve had this happen before.
    Thank you

  19. Appreciating the persistence you put into your site and in depth information you provide.

    It’s awesome to come across a blog every once in a while that isn’t the same outdated rehashed information. Fantastic read!
    I’ve bookmarked your site and I’m adding your RSS feeds to
    my Google account.

  20. Excellent goods from you, man. I’ve be aware your stuff previous to and you are simply too excellent.
    I really like what you have got right here, really like what you are saying and the
    way in which during which you say it. You’re making it entertaining and you continue to take care of
    to keep it smart. I cant wait to learn much more from
    you. That is actually a tremendous web site.

  21. Wonderful blog! I found it while browsing on Yahoo News.
    Do you have any tips on how to get listed in Yahoo News?

    I’ve been trying for a while but I never seem to get there!
    Thank you

  22. Heya! I know this is somewhat off-topic however
    I had to ask. Does managing a well-established website like yours require a
    massive amount work? I’m completely new to running
    a blog but I do write in my journal every
    day. I’d like to start a blog so I can share my personal experience
    and views online. Please let me know if you have any ideas or tips for brand new aspiring blog owners.

  23. Hello Dear, are you truly visiting this web site on a regular basis, if so then you
    will definitely take pleasant know-how.

  24. It’s very easy to find out any matter on net as compared to textbooks, as I found this piece of writing at this web

  25. Someone essentially assist to make severely articles I’d state.
    That is the very first time I frequented your website page and
    so far? I surprised with the analysis you made to make this particular
    submit amazing. Fantastic activity!

  26. Its not my first time to go to see this website, i am browsing this
    web site dailly and take good facts from here everyday.

  27. Hi, I do think this is a great web site. I stumbledupon it 😉 I’m going
    to revisit once again since i have saved as a favorite
    it. Money and freedom is the best way to change, may you be rich and
    continue to guide other people.

  28. I was wondering if you ever considered changing the
    structure of your website? Its very well written; I love what youve got to say.
    But maybe you could a little more in the way
    of content so people could connect with it better.
    Youve got an awful lot of text for only having 1 or two
    pictures. Maybe you could space it out better?

  29. Wow that was odd. I just wrote an extremely long comment but after I clicked submit my
    comment didn’t show up. Grrrr… well I’m not writing all that over again. Regardless, just wanted to
    say superb blog!

  30. Hi there, You’ve done an incredible job. I will definitely digg it and personally recommend to my friends.
    I’m sure they will be benefited from this website.

  31. Hey I know this is off topic but I was wondering if you knew of any widgets I could add to my
    blog that automatically tweet my newest twitter
    updates. I’ve been looking for a plug-in like this for quite some time and was hoping maybe you would have
    some experience with something like this. Please let me know if you
    run into anything. I truly enjoy reading your blog and I look forward
    to your new updates.

  32. Have you ever considered publishing an e-book or guest authoring on other blogs?
    I have a blog based upon on the same ideas you discuss and would really like to have you share some stories/information. I know my subscribers would appreciate your work.
    If you are even remotely interested, feel free to send me an email.

  33. I loved as much as you will receive carried out right here.

    The sketch is attractive, your authored subject
    matter stylish. nonetheless, you command get bought an edginess over that you wish be delivering the following.
    unwell unquestionably come further formerly again since exactly the same nearly very often inside case you
    shield this increase.

  34. That is really fascinating, You’re a very skilled blogger.
    I’ve joined your rss feed and look ahead to looking for
    extra of your fantastic post. Additionally, I have shared your
    web site in my social networks

  35. Hi there to all, the contents existing at this web page are really remarkable for people experience, well,
    keep up the good work fellows.

  36. My programmer is trying to convince me to move to .net from PHP.
    I have always disliked the idea because of the costs.
    But he’s tryiong none the less. I’ve been using Movable-type on numerous websites for about a year and am nervous about switching to another platform.
    I have heard good things about Is there a way I can import all my wordpress posts
    into it? Any help would be really appreciated!

  37. I don’t even know the way I finished up here, but I thought this post was once good.
    I don’t realize who you might be but definitely you are going to a well-known blogger in case
    you aren’t already. Cheers!

  38. Hello to all, how is all, I think every one is getting more from this web site, and your views are
    good in support of new users.

  39. It’s amazing to pay a quick visit this web site and reading the views of
    all friends about this paragraph, while I am also zealous of getting know-how.

  40. Yesterday, while I was at work, my sister stole my iPad and tested to see if it can survive a
    25 foot drop, just so she can be a youtube sensation.
    My apple ipad is now destroyed and she has 83 views.

    I know this is completely off topic but I had to share it with someone!

  41. Amazing blog! Do you have any tips for aspiring writers?
    I’m hoping to start my own site soon but I’m a little lost on everything.
    Would you propose starting with a free platform like WordPress
    or go for a paid option? There are so many choices out there that I’m totally confused ..
    Any ideas? Kudos!

  42. We are a group of volunteers and opening a new scheme in our community.
    Your website provided us with valuable information to work on. You have done an impressive job and
    our whole community will be grateful to you.

  43. Do you mind if I quote a couple of your articles as long as I provide credit and
    sources back to your blog? My website is in the exact same area of interest as yours and my
    users would definitely benefit from some of
    the information you present here. Please let me know if this ok with you.
    Appreciate it!

  44. Hello there! This is my 1st comment here so I just wanted to give a quick shout out
    and say I truly enjoy reading through your blog posts.
    Can you suggest any other blogs/websites/forums that cover the
    same subjects? Appreciate it!

  45. I visited several websites but the audio quality
    for audio songs present at this site is in fact wonderful.

  46. Howdy! Someone in my Myspace group shared this site with
    us so I came to give it a look. I’m definitely loving the information. I’m bookmarking and will be tweeting this to my followers!
    Terrific blog and outstanding design.

  47. I am curious to find out what blog system you have been working with?
    I’m having some minor security problems with my latest blog and I’d
    like to find something more safe. Do you have any suggestions?

  48. Hello there, I found your blog by the use of Google while looking for a related
    matter, your website came up, it appears good.
    I’ve bookmarked it in my google bookmarks.

    Hello there, just changed into aware of your blog via
    Google, and found that it is really informative. I’m gonna watch
    out for brussels. I will appreciate if you continue this in future.

    Numerous other folks will be benefited out of your writing.

  49. Currently it looks like BlogEngine is the preferred blogging platform available right now.
    (from what I’ve read) Is that what you are using on your blog?

  50. Hello to all, because I am in fact eager of reading this webpage’s post to be updated
    daily. It includes good information.

  51. Excellent post. I was checking continuously this blog and I’m impressed!

    Very useful info specially the last part 🙂 I care for such information a lot.

    I was looking for this certain info for a long time. Thank you and best
    of luck.

  52. Thanks for some other fantastic article. Where else
    may anyone get that type of information in such a perfect manner of writing?
    I’ve a presentation next week, and I am on the look for such info.

  53. I just like the helpful info you provide to your articles.
    I will bookmark your blog and check once more right here
    frequently. I’m rather sure I’ll learn lots of new stuff right here!
    Good luck for the following!

  54. Hi it’s me, I am also visiting this web page on a regular basis, this website is in fact good and
    the viewers are in fact sharing nice thoughts.

  55. Spot on with this write-up, I truly think this website needs a
    lot more attention. I’ll probably be returning to read more,
    thanks for the info!

  56. Hey! I know this is somewhat off topic but I was wondering if you knew where I could locate a captcha plugin for my
    comment form? I’m using the same blog platform as yours and I’m
    having problems finding one? Thanks a lot!

  57. Hello are using WordPress for your blog platform? I’m
    new to the blog world but I’m trying to get started and set
    up my own. Do you need any html coding expertise to make your own blog?
    Any help would be really appreciated!

  58. Valuable information. Fortunate me I discovered your web site by accident,
    and I’m shocked why this twist of fate didn’t happened in advance!
    I bookmarked it.

  59. Hi are using WordPress for your site platform? I’m new to
    the blog world but I’m trying to get started and set up my own. Do you need
    any html coding knowledge to make your own blog? Any help would be really appreciated!

  60. I’ve read some excellent stuff here. Definitely price bookmarking for revisiting.

    I wonder how much attempt you place to create this sort of
    great informative website.

  61. What i don’t understood is if truth be told how you are not
    really a lot more well-favored than you may be now.

    You are so intelligent. You understand therefore significantly relating to this
    matter, produced me individually consider it from a lot
    of numerous angles. Its like women and men aren’t fascinated except
    it’s one thing to accomplish with Woman gaga! Your personal stuffs great.
    Always handle it up!

  62. I’m encountering a number of little safety complaints about my most up-to-date web site along with I’d choose to locate one thing safer. Have almost any ideas?

  63. Thank you a good deal regarding offering those with an incredibly breathtaking probability to learn crucial opinions because of this website.

  64. My spouse and i have been contented when Emmanuel managed to round up his survey by way of the precious recommendations he grabbed through your web page. It is now and again perplexing to just find yourself releasing tips and hints which some people could have been selling. And we also remember we need you to appreciate for that. Most of the illustrations you made, the easy site navigation, the friendships you assist to promote – it is everything fabulous, and it’s really assisting our son in addition to us imagine that that subject is brilliant, which is exceedingly pressing. Thanks for all!

  65. Its like you read my mind! You appear to know so much about this, like you wrote the book in it or something. I think that you could do with a few pics to drive the message home a bit, but instead of that, this is excellent blog. A fantastic read. I will definitely be back.

  66. Wonderful items from you, man. I have have in mind your stuff previous to and you’re just extremely magnificent. I really like what you have acquired right here, certainly like what you’re stating and the way during which you are saying it. You make it entertaining and you still take care of to keep it wise. I cant wait to learn far more from you. That is actually a great web site.

  67. What’s Going down i’m new to this, I stumbled upon this I’ve found It absolutely useful and it has helped me out loads. I hope to contribute & aid different users like its helped me. Good job.

  68. You actually make it seem so easy with your presentation but I find this matter to be actually something which I think I would never understand. It seems too complex and very broad for me. I’m looking forward for your next post, I’ll try to get the hang of it!

  69. People recommendations furthermore did wonders being a great way to know that other folks on-line have the equivalent fervor similar to mine to grasp good deal far more for this issue.

  70. I’ve been surfing online greater than three hours lately, yet I by no means discovered any attention-grabbing article like yours. It is lovely price sufficient for me. Personally, if all web owners and bloggers made good content as you did, the net will likely be much more helpful than ever before.

  71. Thank you a lot a lot to the premium quality as well as results-oriented support. When i won’t think carefully to suggest your site article to help any individual who wants along with requirements service relating to this spot.

  72. It’s always thus sweet as well as rich in a lot of fun for me personally privately and also my own business office colleagues to search your site at the least three times in a very full week to view the brand new guidance you’ve gotten.

  73. Sweet blog! I found it while browsing on Yahoo News. Do you have any tips on how to get listed in Yahoo News? I’ve been trying for a while but I never seem to get there! Thank you

  74. Do you thoughts plainly price a few the blogposts so long as We produce credit rating and also sources back to your blog? The blog is at the very same market while your own house and my personal users might genuinely take advantage of some of the information a person present right here. Remember to i want to recognize when this specific fine along. Thanks!

  75. Your own motivation that will get the information during came into existence quite potent and also have continually empowered workers much like everyone to reach with his or her desired goals.

  76. Hi all! I realize it is kind of away matter but When i ended up being asking yourself which blog system are you utilizing just for this web page? I’m having upset involving WordPress mainly because I’ve had difficulty online hackers as well as I’m taking a look at options for yet another podium. I’d personally become amazing in case you can place me personally towards a good system.

  77. Appreciate it a whole lot intended for offering people with an extremely amazing possibility to read vital opinions with this internet site.

  78. The designer is intending for you to tell me personally to go to. net from PHP. I’ve got always disliked taking that approach due to expenses. Yet he’s tryiong probably none the actual fewer. I’ve been making use of Movable-type on numerous internet sites around annually and also ‘m anxious regarding transitioning to another platform. We have heard great things about blogengine. world wide web. Perhaps there is the best way I can move almost all my own wordpress content in it? Any support could be truly liked!

  79. Hello I will be therefore delighted I ran across your site, I must say i observed you by mistake, though My spouse and i has been checking with Askjeeve pertaining to something different, Anyhow I am in this article currently and could exactly like to express thank you a whole lot to get a remarkable publish and also a all round enjoyable weblog (I likewise enjoy the particular theme/design), We don’t include time to undergo it all at the minute nevertheless I have rescued that as well as extra in your feeds, and once I have moment We are time for read additional, You should perform keep up your amazing task.

  80. I just wished to thanks a great deal once more. I’m unsure what I may have gone through devoid of the ideas exposed by means of you about that predicament.

  81. It’s usually therefore sweet and in addition packed with a thrilling time for me personally privately along with our company acquaintances to locate your website at the very least three times in a week to find out the brand new advice you need.

  82. We learn many concerning the particular compelling medium anyone current highly effective steps on this blog and as a consequence highly inspire info via additional versions with this issue though each of our child is truly finding lots. Use the area of 4 seasons.

  83. I’ve added your internet site as well as I’m introducing your bottles for you to our Search engines bank account.

  84. Hey there! I know this is kind of away matter but My spouse and i ended up being wondering which often blog site program are you making use of due to this internet site? I’m receiving frustrated connected with WordPress simply because I’ve got difficulties with hackers in addition to I’m considering alternatives for one more platform. We would always be fantastic in the event you may place us on the way to a superb software.

  85. Appreciate it for the outstanding submitting! I truly enjoyed studying the item, you are a terrific writer.

  86. My personal somewhat long web look up offers right at the end with the day time already been compensated using satisfying perception to share with you having my family.

  87. A number of us recognize almost all in relation to this persuasive medium you existing effective measures about this website and so firmly really encourage info coming from additional people for this issue while our personal baby is really acquiring lots. Like the remainder portion of the year.

  88. The somewhat lengthy web check out offers right at the end in the morning recently been paid together with nice understanding to discuss using my personal friends.

  89. Hi! Do you thoughts basically talk about your site with my myspace collection? There’s lots of individuals who I’m sure might enjoy your content. You should i want to learn. Thanks!

  90. We likewise feel an aspiring website author although I’m even now a new comer to everything. Have you got any ideas for beginner web site copy writers? I’d really regards.

  91. Many thanks a good deal very much for the good quality in addition to results-oriented assist. I won’t think to be able to recommend your website post to any individual who desires in addition to needs assist relating to this spot.

  92. Your own good know-how as well as kindness throughout participating in considering the pieces had been very useful. My spouse and i don’t determine what We would have done if i had not found such a phase similar to this.

  93. Present with no solutions towards the problems you’ve taken care of available via this specific guideline is really a crucial circumstance, plus the type which may possess badly impacted the complete occupation plainly hadn’t observed the site.

  94. Please let me realize in the event you’re buying writer for ones web page. You’ve got a few great blogposts as well as I’m sure When i is a excellent asset. If you happen to need to acquire many of the insert away from, I’d really like to post a few material for ones weblog in return for the hyperlink here we are at my own. Make sure you capture myself a contact in the event that curious. Thank you!

  95. Hi! I realize this really is considerably off of topic nevertheless My spouse and i had been asking yourself in case you believed in which I possibly could get yourself a captcha plugin for our remark kind? I’m while using exact same web site platform seeing that your own as well as I’m having trouble obtaining one particular? Thanks lots!

  96. Understanding pertaining to really getting genuinely considerate plus pertaining to picking selected marvelous courses most people are truly looking to be aware of.

  97. Hi! Could you brain if i share your website using our myspace class? There’s a lot of people who I’m sure would revel in your content. You need to ok, i’ll realize. Thanks!

  98. Your very own determination for you to get the meaning all through had become instead strong and possess persistently enabled personnel much like me personally to reach at their particular desired goals.

  99. I must show thanks to you recently for bailing me out of this certain issues. Caused by checking out with the websites as well as conference approaches that have been not necessarily profitable, I has been imagining gaming has been done.

  100. My husband or wife and also I completely appreciate your website in order to find the majority your current post’s being just what I’m in search of. is it possible to present visitor internet writers to create information for you?

  101. Howdy! This really is our initial visit to your site! We’re any team involving volunteers as well as starting up the latest motivation inside a group from the identical niche. Your site furnished all of us helpful facts to figure with. You’ve got accomplished a exceptional employment!

  102. Currently it appears as if WordPress will be the chosen running a blog system readily available at the moment. (from just what I’ve read) Is of which precisely what you’re making use of in your website? Excellent publish even so I has been wanting to know if you can write a litte much more for this issue?

  103. Woah! I’m truly taking pleasure in the actual template/theme in this web site. It’s uncomplicated, yet powerful. More often than not it’s severely to acquire that “perfect balance” between fantastic excellent and also overall look. I need to say you’ve performed a very good career using this type of.

  104. You should well then, i’ll understand in the event you’re buying a author for your web page. You have some fantastic articles and I believe My spouse and i would be a beneficial resource. Should you ever need to take a lot of the load away, I’d enjoy to write many material for the website in trade for just a link to mine. Make sure you throw myself a message in the event curious. Cheers!

  105. Remortgage with Bad Credit If you are a homeowner and need to raise cash for something – for example, a new car, a holiday or home renovations – a remortgage is an excellent method of releasing capital in an existing property. You can often also obtain a better deal at the same time, making it a win-win situation. However, if you have suffered financial problems since your initial mortgage was obtained, you might find that certain doors are now closed to you, and that might include the door to your current lender. As your circumstances have changed, the fact they gave you your initial mortgage is no guarantee they will agree to offer a remortgage deal. Even if they do, the terms they offer might be less favourable than your current deal. Having an adverse credit score can be an obstacle and present a real challenge to be overcome. If you are in this position take heart, as a bad credit score does not necessarily mean that you’ll be unable to remortgage your property. There are likely to be options available to you. To help you understand the situation, let’s first take a look at why lenders might be unwilling to offer you a remortgage deal. Bad credit calculator Find out if you can get a mortgage with our new calculator. Check here Why Might Lenders Be Unwilling to Remortgage? Most high street lenders will look upon bad credit remortgage applications in the same way they’d consider, and probably turn down, initial mortgage applications from people with bad credit. From a financial standpoint, a history of bad credit or an existing bad credit score is indicative of poor money management skills, and this makes those applicants a high risk for lenders. However, as with most things involving finance, there are a number of truths and myths which can become blurred. The biggest misconception is that the answer to a bad credit remortgage application will always be a resounding ‘no’. In truth, most homeowners will be able to obtain a remortgage deal, even with a number of credit issues on their record, such as: Missed or Late Payment Debt Management Plan Discharged Bankruptcy Defaults (a series of missed payments) County Court Judgments (CCJs) Individual Voluntary Arrangement (IVA) Every case is judged upon its own individual merits, which means we can’t guarantee remortgaging with bad credit will be possible. However, having said that, while each adverse credit event represents a black mark on a person’s credit record and has an impact on their credit score, none of them should be considered an immovable barrier to obtaining a remortgage deal. Can I get a bad credit mortgage? We Can Help Today How does a credit score work? Your credit score is the result of an assessment of financial and other information gathered about you by Experian, Equifax and Callcredit – the three main credit reference agencies that operate in the UK. They get their information from two main sources: other lending companies that have agreed to share data about their customers, and public records. Lending companies share information including how much a customer is in debt to them, how promptly they pay their bills, and if they pay in full, and whether their credit cards are maxed out. The information gathered from public records includes details of adverse credit events such as CCJs, bankruptcies and IVAs, plus information held on the electoral roll. High street lenders interpret this data in line with their own criteria and arrive at a credit score, based on which they will say ‘yes’ or ‘no’ to a remortgage application. If the decision isn’t clear cut, they might say ‘yes’, but charge higher fees and/or a higher rate of interest. They do this for two reasons; to offset what they see as an additional risk and because they know they can, as borrowers with a poor credit rating have fewer options than those with an exemplary record. What is my credit rating? Finding our your credit rating is easy. Find out your credit report Adverse credit events stay on a person’s record for six years, after which they are removed. In the majority of cases, even if the six year period isn’t up yet, the further in the past something is, the less impact it will have on your credit score and therefore on a lender’s decision. However, even after they have ‘dropped off’ the record, if you are asked about certain types of adverse credit event – such as a previous bankruptcy or property repossession – you must declare it. While there are options available to those with an adverse credit score looking to remortgage a property, it is always recommended that you look to improve your credit score wherever possible. How does a credit score work? There are some positive steps you can take that will improve your situation and encourage lenders to look more favourably upon your application. Arguably the most important thing you can do is to improve your credit score. Improving your credit score is a continuous process, not something that can be achieved overnight – you must persevere with it to get results. However, if you are taking the right steps, you will soon begin to see some small improvements. Having a healthy credit score will make a huge difference to your future financial dealings. We always recommend speaking to a qualified adviser with regard to putting together a plan to improve your credit score; however, there are some immediate actions you can take to put your credit rating back on track. These include: Get a copy of your credit report from each of the UK’s three credit reference agencies – Experian, Equifax and Callcredit – and check that the details they hold are correct (they may hold different details, so do get your report from all three, not just one) Regularly update the personal details held on your credit report Make sure you are registered on the electoral roll Keep track of your credit card balances; ideally try to always pay more than the minimum to drive the balance down, and take care not to go over your agreed credit limit Use your calendar to make sure you pay your bills on time and manage your monthly income Cancel all lines of credit that are not in use, such as store cards or ‘just in case’ credit cards (but see below for an alternative option) Build up a positive credit history; for example, if you have a credit card that you don’t use, rather than cancelling it, use it at least once a month, perhaps for buying petrol or groceries – but make sure you pay it off in full every time, don’t build up additional debt Resist the temptation to take out payday loans, as they are considered to be a red flag showing that you cannot manage your finances month to month Moving forward, leave any good debt on your report For more suggestions as to how you can repair your credit rating, check out our page of simple tips. Additional actions to take Something else to bear in mind if any missed payments show on your credit record is whether they were due to events outside of your control. If, for example, your employer went out of business, leaving you financially stranded, then you should contact each credit reference agency and explain what happened. They have the ability to add a note of correction to your credit file explaining the circumstances, which may well mitigate the effect of the default on future credit decisions. There are other things you can do that, while they do not in themselves boost your credit rating, will help you to avoid falling into future difficulties, and perhaps to pay things off faster. For example, take on some freelance work or a second job, or look for a job that pays more or is closer to home (so you save money on commuting). Make sure you aren’t paying more than you need to for things like your mobile phone, cable TV, fuel and broadband, and if you have a gym membership but can’t remember the last time you were there, cancel it. The more you have left after paying your bills, the better your chances of passing the affordability test. What is the affordability test? Every application for a mortgage or a remortgage is subject to an affordability assessment, and this is the case no matter what the credit status of the applicant might be. Potential lenders will look at income versus expenditure, taking everything into account, to arrive at a debt-to-income ratio. Since June 2014 the Financial Conduct Authority’s recommendation is that the debt-to-income ratio should be no higher than 45 for an offer of a mortgage or remortgage to be made. If you want to do a quick, rough calculation to see where you stand, then: make a list of all income you will receive over the year and divide by 12 (if all your income comes in monthly, just add it up) add up all your monthly bills – mortgage, credit card, etc. – then list all your other bills, whether quarterly, annual or whatever; add the monthly cost of these additional bills to your original total divide your monthly expenses by your monthly income and multiply the answer by 100, which will give you your debt-to-income ratio, expressed as a percentage The lower the number, the better. You can lower your debt-to-income ratio by either reducing your debt or increasing your income. What if you can’t wait for your credit score to improve over time? For those in need of a more immediate remortgaging solution, there are specialist lenders who work with applicants with low credit scores, offering deals that cannot be obtained from high street lenders. So if your need is urgent and you are asking yourself, ‘Can I remortgage with bad credit?’ the answer is ‘yes’. Get in touch today for free initial advice and no-obligation quotes from our team of experienced bad credit brokers. How can we help? Just Mortgage Brokers have experience of working with property owners at all levels, from those who are relatively new homeowners to highly experienced landlords with extensive property portfolios. We also have unlimited access to the UK mortgage market and many years of experience of working with a network of bad credit lenders across the country. That means we are not restricted to products from any one particular lender but can work with a diverse range of specialist lenders to secure the remortgage deal you require. This combination of impartiality and unlimited market access gives us the very best chance of obtaining a competitively priced bad credit remortgage. We know exactly where to turn to find a mortgage to suit the particular needs of each and every client, regardless of their credit history. If you have a history of bad credit and are looking to remortgage a property, speak to Just Mortgage Brokers today to get the right deal for you.

Leave a Reply

Your email address will not be published. Required fields are marked *