• Are you playing a juggling game with your bills every month because you just run out of money?
• Are you living paycheck to paycheck, never saving any money?
• Are the financial goals that you thought you would reach unattainable?

At Common Cents Financial, we will create an in-depth and personal report of income and expenses. Analyze every expense to make an efficient spending plan so that you are aware of every dollar spent. Knowledge is the key to financial success and our goal is to see every client successful!

• Has your available credit limit decreased?
• Has your credit card interest rate increased?
• Are you paying new fees for your credit card and bank account?

At Common Cents Financial, we will make sure your checkbook register is balanced so that every bill is paid on time every month; even writing out those checks if needed.

• Do you have to pay higher interest rates on Auto loans because of a poor FICO score?
• Were you declined housing because of a bad credit report?
• Are your car insurance premiums higher than ever?

Having an excellent Credit Report can save you money and give you spending power. Your credit report is made up of five aspects:

*35% based on Payment History
*30% based on Debt to Credit ratio
*15% based on the Length of Credit History
*10% based on the Type of Credit held
*10% based on your Access to Credit

Common Cents Financial will provide you with a complete review of your credit report, correcting any inaccuracies, disputing any discrepancies, and sharing the secrets you need to know to improve your FICO score!