 “If you don’t take good care of your credit, then your credit won’t take good care of you!” — Tyler Gregory, CPR Consumers Looking for loans with a reasonable interest rate? You need a good credit score! Building a dependable credit history and maintaining a high credit score indirectly influences your quality of life. Think about all the money you’d be saving, by paying lesser interest on your loans! Let’s consider all the situations where you may need to apply for a loan, and having a good credit score will come to your rescue! Here’s Where A Good Credit Score Will Come In Handy! Growing and building financial securities is something we all have to do! Funds may not be readily available for most of these necessities — that’s where a loan, and a good credit score, come in handy! 1. Buying/Building A Home Of Your Own! Owning a house of our own is a long-term financial commitment. Even though the housing market has significantly recovered from the recession, banks still have stringent requirements when it comes to lending! Loan amounts for buying a home are high, and banks need a guarantee that the borrower can repay it — a credit score is mostly all they have to depend on! A borrower will need to have a good, if not excellent, credit score. Note this — If you are planning to rent a home involves, you will be subjected to a credit check! If you have bad credit - you may either not be able to rent a home at all, or be expected to pay up a larger deposit! 
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AuthorYoel “Mo” Molina and I am a lifelong resident of Miami, Fl. I am a graduate of Miami Senior High, Class of 1992, Georgia Institute of Technology, B.S. 1997 and University of Maine School of Law, J.D. 2001. I have been practicing law in Miami Since 2001. I am a former training prosecutor in the Miami-Dade State Attorney’s Office. I have experience in jury trials, appeals, and administrative hearings. I have appeared before judges across the State. My experience ranges from civil litigation matters, collection matters, foreclosure, business and corporate, contracts, real estate, leases and employment matters. Archives
June 2019
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"Mr. Molina has always been there for us with timely, reliable and competent advice. He is an important and valuable part of our team." Corporate Client Eric Delgado, President of American International Export, Inc., a worldwide importer and exporter of brand name appliance parts. |
"Yoel has been responsive and attentive to our company’s best interests and needs. He has been a valuable resource to our company. Any company that enlists his services would be in good hands-- including our own clients.” Corporate Client Gibran Flynn - Co-Owner and Founder of Eleva Solutions, Inc., the South Florida leader of outsourced HR, Staffing, Training, and Loss Prevention. |
"My name is Anastasia Yecke Gude and I am the owner of Healing Hands Therapeutic Massage LLC. In the process of my company’s growth and expansion, I suddenly found myself a few weeks ago in need of a 1099 contractor agreement, and I needed it ASAP. As in, the very next day! I contacted the Law Office of Yoel Molina and his assistant put me in touch with Mo. I sent him what I had drafted up and he replied within a few hours with suggested revisions and clarifications, as well as a few insights I had not even considered. I was thoroughly impressed by the quality of work he provided, especially considering the time crunch I put him in (sorry, Mo!). I definitely recommend his services to anyone in need of a good contract attorney, and I will be calling him again for future work…hopefully in less of a rush next time!"
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