Miss Kiva

10/12/2024

Do you need tax software? I have taxslayer for $99 no splits! $65 service bureau fee!!
Must have EFIN & 50 returns prior! Let’s simplify tax season🧡

08/30/2024

Y’all 3 more holidays …. then BOOM
Account balance : $8,465.92 ‼️😂😂😭😭😭
Who still needs to file their tax return? You still have until October let’s get you filed!!!

07/23/2024

It’s Only $63 to obtain your Life Insurance License

Who is ready?

Serious Inquiries Only! Let’s not waste each other’s time

Only for the next 7 days‼️

07/18/2024

People pleasing gets you nowhere. Stand firm in your boundaries.

07/16/2024

It’s time to take the shot—you never know what might happen!

07/16/2024

Do you dream of a life without limitations? Where you can have freedom of time and the potential to earn extra income? Contact me to learn how to take control of your future.

07/15/2024

Do you have an entrepreneurial mindset? Learning the principles of How Money Works™ and how to make it work for you is the first step. Contact me to learn more.

07/15/2024

The journey is more important than the highs and lows. Keep pushing, no matter what.

03/30/2024

My mind so full!! A huge part of me wants to switch gears ⚙️ on my entrepreneur journey than another part of me wants to go harder in a different direction with my current business!!! Lord I need some clarity!!

03/25/2024

A positive outlook can transform your financial reality. Start with gratitude and work towards your goals

Today’s journal prompt: What is a difficult lesson I learned that I can now be thankful for?

03/20/2024

JACKPOT!! SOCIAL MEDIA WILL MAKE U RICH IF U USE IT CORRECTLY!!!

03/20/2024

Ifk who needs to hear this buttttt……. Be patient with yourself!! Nothing in nature blooms all year!!

03/12/2024

They are trying to shut TikTok down

03/11/2024

Free Credit Gem 💎 How many of you knew that when you apply for a credit card, they check more than just your credit score? When they pull your credit file, here are 5 things that they look at OUTSIDE of your credit score:

1. Your current credit limits on your existing credit cards with other companies. Lenders will gauge your current level of trust, worthiness and responsibility with Credit this way. This lets them know how much other banks are lending you, which weighs in on their decision of the credit line that THEY will give you. High credit limits indicate that other lenders trust you to manage a significant amount of debt responsibly in conjunction with many other factors. If you have 5 credit cards and all of them have a limit that is $500 or less, most companies are not going to lend you a credit limit of $30,000 when you apply, If your current cc companies haven’t given you close to that yet.

What you should do: Ask for credit limit increases every 3-6 months if you have a good payment with your credit card companies. Ask the rep if this will be a soft or hard credit inquiry when they perform a credit check to grant/deny you the credit limit increase. Most of the time it will be a soft inquiry. (Which doesn’t affect you) But sometimes, depending on the credit card issuer, it could be a hard inquiry which will slightly lower your credit score temporarily. If it’s hard one, use your 24 hour inquiry removal guide to have it removed to get those points RIGHT BACK immediately.

2. Your payment history. This is the most critical component of your credit report. This shows lenders how consistent you are with making your payments on time. Regardless of what your credit score is, if you have recent payments, that will be factored into their lending decision with you. You could have a 700 credit score and be denied for something that someone with a 680 credit score is approved for. The contents of your actual credit file is always always more important than your actual credit scores. 

What you should do: If possible, have your bills on auto pay. Even if you are only able to put the minimum balance on auto pay. You’re required to make a minimum payment each month anyway so there’s no harm in ensuring that it’s going to come out of your account when it’s due. Unless you don’t plan on paying it lol This will ensure that even if you’re not able to make a payment for the full balance, you have at least met your minimum payment for that month. Adding a few extra dollars on top of your minimum payment is also favorable to lender. So if your balance is $1678 and your monthly minimum payment is $45, if possible try to put $100 towards your payment instead of just $45.

3. Credit utilization ratio. The amount of credit you’re using compared to the total amount of credit available to you is expressed as a percentage. This is calculated both per cart and across all of your revolving credit accounts combined. A lower credit utilization ratio is seen as favorable because it suggests that you are not overly relying on Credit to live or maintain your lifestyle. Most people say to keep your utilization below 30%, but you will see the best increase in your credit score if you keep it between 1 to 5%. A high credit utilization usually indicates that you are in a bind and you NEED NATE. Keep it LOW.

What you should do: don’t make unnecessary purchases that you know you’ll have trouble repaying when your credit card bill is due. I recommend using only what you have in liquidity.

4. Length of credit history on your accounts. The more older accounts you have, the better. A longer credit history can be beneficial because it provides more data on how you manage Credit overtime. It indicates your stability and experience with handling Credit, making you a potentially less risky borrower to lenders.

What you should do: only open up new accounts when absolutely necessary. If a credit card company sees that you just got approved for three more credit cards in the last 12 months, some of them will view that as a sign of financial strain on your end. Applying for so much credit in a small window, indicates that you are in a financial emergency. In this case, I recommend calling Nate and telling him you’re in BIND before start adding 50,000 new accounts.

5. Inquiries. Having your credit pulled multiple times during a short window (last 2 years) for the same type of account indicates that once again, you are experiencing a financial strain. It looks as if you are continuing to apply for new credit before you deal with the issues that are constantly getting you denied with the other companies.

What you should do: Stop playing for accounts that you don’t need. And accounts that you don’t have excellent approval odds to be approved for.

K, bye 👋🏾👋🏾💎💎💎💎 

03/10/2024

Did yall know I had a website?

03/10/2024

Check out my digital library 📚

https://payhip.com/misskiva

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03/10/2024

Being broke is part of the game STAYING BROKE IS SOME PERSONAL S**T 💯 change your mindset and change YOUR LIFE 🧡