You may have already heard…
Hackers have stolen the social security numbers of every American. Here’s how to protect yourself!
This is a great time to be proactive and not wait and see if your information gets compromised.
You should put a freeze on your credit files at the three major credit bureaus, Experian, Equifax and TransUnion.
This is a free service! You’ll just need to remember to lift the freeze temporarily if you are obtaining or applying for something that requires a credit check.
If you need a credit monitoring service, identity monitoring and a review of where your information is showing on the dark web, comment “PROTECT” and I’ll send over what our clients are using!
STEAL THE STRATEGY
Your credit profile may look different, but the process can apply to you as well....
Credit has become such a hot topic with so many voices and in speaking to my clients, simplicity is critical.
SAVE THIS POST FOR LATER, so you can come back to it.
Let’s start with a breakdown of how your score is calculated ⤵️
▫️35% Payment history = 192.5 Points
▫️30% Utilization = 165 pts
▫️15% Credit age = 82.5 pts
▫️10% Inquiries = 55 pts
▫️10% Credit mix = 55 pts
FICO Scores range from 300-850. This means there are 550 points AVAILABLE to you to build your score with.
Let’s break down the strategy for you to build your scores ⤵️
1. You should have at least 5 open accounts on your credit profiles. З credit cards and 2 installment loans (student loans, mortgage, car loan, personal loans).
2. Keep your credit utilization below 30% (4-6% for the
BEST score)
3. Dispute credit report errors & collections!! Credit report errors can drop your score up to 100 points each so be sure to get rid of any errors, collections or derogatory remarks.
SIMPLICITY IS KEY!!
Not sure how to dispute and need assistance with how to effectively dispute negative items from your credit reports, comment CREDIT and I’ll send over our tool that is helping hundreds of clients repair & restore their credit!
Ayyyyeee! I’m here to help you celebrate with the keys in your hand 🔑
You’re gonna want to read this
“The cost of procrastination is the life you could’ve lived!”
After over 4 years in this industry the common reasons why many sit with bad credit is ⤵️
1) Can’t afford to fix it
2) Unsure if they should pay someone to do it
3) Don’t know where to start
Imagine what it would feel like RIGHT now if you were currently living in your first home with all of the decor you selected because you invested the time into increasing your scores.
How would it feel if you were finally saying goodbye to your rising rent and turned your keys in to your apartment?
What if you could start spending a little less on that monthly car note?!
You deserve a good life and CREDIT should not be what’s holding you back from it!!
To tackle the common reasons that are holding you back from your credit score, I’ve designed a DETAILED Course to guide you effectively and strategically to build and repair your own credit scores + it’s only $25 a month for you (Let’s scratch can’t afford it off the list)
COMMENT “2024” to get started
Ok fine you can stay on the date
💕
But he is lying lol…
Anywho….let’s prioritize your scores!! Because here’s what they say…
If you are in a relationship, one of you better have good credit. It’s called Significant other for a reason!! (SIGN-IF-I-CAN’T)
Give the gift of good credit to someone you love or appreciate 💖💞
