GOAT Credit Services

22/11/2024

🚨 Before You Pay Off a Collection, Read This! 💳

Tax season is coming, and I know you might be thinking about using your refund to tackle those collection accounts.

STOP! 🛑 There’s a better way to protect your money and fix your credit: Send a debt validation letter FIRST.

👉🏽 Here’s why:

By law, if the collection agency can’t validate your debt, it must be removed from your credit report!

Swipe through this post to see exactly what to ask for and take control of your credit.

💡 Need guidance? Click the link in my bio to get started or send me a DM. Let’s work on getting you closer to financial freedom! ✨

🎯 Your dreams are within reach—don’t let collections hold you back.

20/11/2024

Your credit journey is yours to control - start today and create the future you deserve! 💫

Let me know if you would like to join our private group to start rewriting your story.

28/10/2024

🚨Big News!🚨

Starting after the New Year, I’ll be moving away from full-service credit repair and focusing on a new, affordable DIY approach.

The reason? A lot of people who need credit repair just couldn’t afford the full-service option, and I want to make sure everyone has access to the tools they need to fix their credit—at a price that works for them.

My DIY Credit program will give you everything you need to repair your credit yourself, at your own pace!

Here’s what you’ll get:

💌 Pre-Written Letters – Just fill in your info, and they’re ready to go!

🎥 Video Guides – Quick, simple videos to guide you every step of the way.

📚 Credit Education – A library of tips and insights for repairing and building credit.

👨‍👩‍👦‍👦 Support Group - A private community for help and support with me and others along the same journey.

DIY is available NOW for anyone ready to dive in and take charge! 💪

If you’re interested in full service, reach out before the year ends to get on board. 🥳

02/10/2024

This client has been such a joy to work with! At first, she was understandably worried when her credit scores dipped, but she quickly realized it was just part of the process. She trusted my guidance, worked alongside me, and now she's seeing the payoff: she's finally getting a HOME for her family. If you don’t like the situation you’re in—reach out. Let’s change it together!

18/09/2024

Another new homebuyer on their way! So very excited for this client of mine. Let's gooo! GOAT Credit Services

11/09/2024

Building credit when you have low scores can be challenging, but it's definitely possible with consistent effort and responsible financial behavior. Here are some steps you can take to build up your credit:

1. Check Your Credit Report: Before you start, obtain a copy of your credit report from the three major credit bureaus (Equifax, Experian, and TransUnion) to ensure there are no errors. You're entitled to one free report from each bureau per year through AnnualCreditReport.com.

2. Pay Bills on Time: Your payment history is the most significant factor in your credit score. Make sure to pay all your bills on time, including utilities, rent, and phone bills. Setting up automatic payments can help you avoid missing due dates.

3. Reduce Debt: If you have existing debt, especially high-interest credit card debt, work on paying it down. High utilization of your credit limits can negatively impact your credit score.

4. Secured Credit Cards: Apply for a secured credit card, which requires a cash deposit that typically serves as your credit limit. Use the card for small purchases and pay off the balance in full each month. This demonstrates responsible use and can help build your credit. https://www.creditcardbroker.com/promos/feed16270

5. Credit-Builder Loans: These are small loans offered by credit unions or community banks designed to help individuals build credit. The money you borrow is held in a bank account while you make payments. Your payment history is reported to the credit bureaus. https://www.creditcardbroker.com/promos/feed16270

6. Become an Authorized User: If a family member has good credit, ask to become an authorized user on their credit card. You'll benefit from their positive credit history, even if you don't actually use the card.

7. Get a Co-Signer: If you need a loan or an unsecured credit card, find a co-signer with good credit. Their credit history can help you qualify for credit. However, any missed payments will also affect the co-signer's credit, so proceed with caution.

8. Use a Credit Monitoring Service: These services can help you keep track of changes in your credit score and report. Some services also offer tips for improving your credit based on your specific financial situation. www.smartcredit.com/goatcreditservices

9. Limit New Credit Inquiries: Too many hard inquiries in a short time can negatively impact your credit score. Only apply for new credit when necessary.

10. Diversify Your Credit: Over time, having a mix of credit types (like a credit card, auto loan, and student loan) can benefit your credit score. However, it's not advisable to take on new loans just to improve your credit mix. https://www.creditcardbroker.com/promos/feed16270

11. Report Rent Payments: Some services allow you to report your rent payments to the credit bureaus. If you're a renter and you consistently pay on time, this can be a way to build credit. https://www.boompay.app/boomreport?source=GOATCREDITSVCS

Remember, building credit is a marathon, not a sprint. It takes time and patience. Always live within your means and avoid taking on more debt than you can handle. As you demonstrate financial responsibility, your credit scores should gradually improve.

Send a message to learn more

05/08/2024

‼️ UNDERSTANDING FICO SCORE RE-BUCKETING ‼️

🗣 PAY ATTENTION
Have you ever wondered why your FICO score seems stuck, even after making positive changes? Let's demystify the complex world of FICO scoring and explore the journey of re-bucketing. 🧐

Imagine your TransUnion score is 620 – think of it as your seat in a classroom filled with others sharing similar credit profiles. You have a six-year-old collection account and a three-year-old closed account with delinquency dating back four years. Despite having three to four accounts in good standing opened within the last four years, your score remains stubbornly at 620.

Now, the twist: You challenge a collection account and successfully remove the negative mark. You expect your score to rise, but it drops to 600 instead. Welcome to re-bucketing. 🔄

Re-bucketing is like changing seats in that classroom. Suddenly, you find yourself among peers who also lack collections, but their delinquent accounts are slightly older than yours. In this new group, your score is now among the lowest. 📉

But the story evolves. Over time, your negative accounts age, catching the algorithm's attention and giving your score a boost – say, to 654. Months pass, and it climbs to 660. Progress is underway! 📈

Imagine further: your last reported late payment drops off. Your good accounts mature, reaching five years or more, with no bad marks remaining. The re-bucketing effect kicks in again, pushing your score higher. Picture achieving 750 – a score once deemed unattainable. 🚀

This story illustrates that collections and late payments confine you to a specific scoring "bucket." Remove them, move up to a new bucket, and witness your credit score transform. 🔓

🎯 Key Insight: Collections and late payments keep you in a scoring "bucket." Clear them, ascend to higher buckets, and watch your score soar! 🎉

Send a message to learn more

29/07/2024

If you're finally ready to live a QUALITY life with LOWER interest rates, EASIER loan approvals, BETTER credit card offers, LOWER insurance premiums, NEGOTIATING power, EMPLOYMENT opportunities and FINANCIAL flexibility - then what are you waiting on? Your credit isn't going to fix itself. Schedule your consultation with me today!

https://www.goatcreditservices.com/contact

16/07/2024

How can YOU raise
your credit scores? 🚀
⬇️⬇️⬇️

10/07/2024

High interest rates, expensive insurance, and big deposits every month or just $99/month for credit repair? Your choice.

Send a message to learn more

03/07/2024

💯🤣

23/06/2024

📚 Learning new strategies is the key to unlocking success 🔓 and transforming challenges into opportunities 🚀

ROUND 1 SUCCESS 🌟 = ONE HAPPY CLIENT ❤️

22/06/2024

🥧📊 Introducing the Credit Pie: A Deliciously Funny Guide to Your Credit Score! 📊🥧

Ever wondered what goes into baking the perfect credit score? Well, it's time to slice up the credit pie and get a taste of financial wisdom! Here's the recipe:

🍰 35% Payment History: Think of this as the essential ingredient - just like grandma's secret sauce! Pay your bills on time and watch your score rise like a perfectly fluffy soufflé.

🥧 30% Amounts Owed: Don't let your credit card balances pile up like a tower of pancakes! Keep those debts manageable, or you might end up with a credit score flatter than day-old soda.

🍪 15% Length of Credit History: Like a fine wine, your credit history gets better with age. So, if you've been financially responsible since the days of beepers and dial-up internet, pat yourself on the back and enjoy a cookie (or two).

🥂 10% New Credit: Adding a new line of credit is like trying a new recipe - exciting, but proceed with caution! Too many new accounts in a short time can leave a bitter taste in lenders' mouths.

🍕 10% Types of Credit: Variety is the spice of life - and credit scores! Mix it up with a blend of credit cards, loans, and maybe even a mortgage. Just like toppings on a pizza, each type adds flavor to your financial profile.

So there you have it, folks - the Credit Pie! Follow this recipe, and you'll be serving up sweet credit scores in no time. Bon appétit! 🍽️💳

17/05/2024

This is from ONE round of letters to the bureaus asking them to VALIDATE my client's debt. 8 deletions and a whopping 187 point increase across the 3 bureaus. 🤩

01/05/2024

Although I do find this meme hilarious, don't ever rely on anyone else. Fix your credit today because tomorrow you may need to rely on yourself.

02/04/2024

Check your credit scores today... 666! 😈 Seems like Satan's started co-signing on financial decisions now. If you saw this, would you be worried about your soul or just your interest rates? 🤔

29/03/2024

Can we just take a moment to look at the TOTAL increase for each bureau? This client has raised his scores by 408 points since starting with GOAT Credit Services. He has a goal to get to the 700 club. Challenge accepted! ✔️ Let's get you there, my friend!

28/03/2024

This is exactly what I love to see when I start my morning. A beautiful update for my client, with 4 more deletions! A second home in Florida is on the horizon for this lovely family. 🏡