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.

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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! 🎉

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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. 🏡

22/03/2024

And another happy client...makes me SO HAPPY! 🥰

22/03/2024

When you get a text from your clients saying they were able to move forward with the purchase of their new home.....it is the BEST. FEELING. EVER! Don't sleep on fixing your credit. Do it TODAY.

23/02/2024

I am always thrilled to share the news with my clients! 🌟 There's nothing more rewarding than delivering a fantastic update to an improved credit report. Witnessing the positive impact on their financial journey is what makes my job so fulfilling. 🚀💳 Here's to more success stories and brighter financial futures! 🌈

23/02/2024

Let's talk about the game-changer which is good credit! 🚀 Imagine unlocking doors to better opportunities, lower interest rates, and financial freedom. That's the power of a solid credit score! 🌈💼

We get it - the credit repair industry has its share of bad apples, but we're here to break the stereotype. We're NOT the bad guys! 🚫🦹‍♂️ Our mission is to empower YOU on your credit journey. 💪🔒

Here's to dispelling myths and embracing the benefits of good credit. Share your credit success stories or drop a question below! Let's build a community that thrives together. 🌐💙

22/02/2024

💳✨ Bad credit costs more than credit repair. Invest in your financial future! 💪

22/02/2024

‼️Know Your Rights‼️

Are you being contacted by a collection agency?🤔 It's important to know your rights under the Fair Debt Collection Practices Act (FDCPA). Here are a few things collection agencies CANNOT do:‼️👇👇👇

1️⃣ Harass or abuse you: Collection agencies cannot use threats, profanity, or incessant calls to intimidate you.🙅‍♀️

2️⃣ Lie or deceive: They cannot misrepresent the amount you owe, the consequences of non-payment, or their identity.💁‍♀️

3️⃣ Call 📞 at inconvenient times: They cannot call you before 8:00 a.m. or after 9:00 p.m. without your permission.🙅‍♀️

4️⃣ Discuss your debt with third parties: Collection agencies cannot disclose your debt to anyone other than you, your spouse, or your attorney.

Remember, understanding your rights can empower you when dealing with collection agencies! If you believe a collection agency has violated the FDCPA, you have the right to report them to the Consumer Financial Protection Bureau. ⚖️ Stay informed, stay empowered! 💪‼️

22/02/2024

🔥🚀 Our incredible credit repair team absolutely killed the disputes this round, securing a whopping 21 deletions for our client! 🎉💪 When I say, 'Our team ATE this', they literally devoured it! 🍽️👊

12/01/2024

🌟 Big News, Everyone! 🌟

🚀 Positive Updates Incoming! 🚀

Guess what? We've turned some NEGATIVES into POSITIVES, and even made a few Bankruptcies disappear! 🎉 It's a journey, and we're making strides in the right direction.

But here's the real question: Why haven't YOU taken that step yet? What's holding you back? 🤔

Remember, it's all about being prepared. Fix your credit BEFORE you're in a crunch! Don't wait until it's too late. 💳✨

👉 Take action, make a change, and step into a brighter financial future! 💪

03/01/2024

All three credit bureaus are under fire for reporting inaccuracies & obsolete information! 😱😱😱Take advantage! This is a GREAT time of year to remove your collections ❌ inquiries, ❌ liens, ❌student loans, ❌bankruptcy, ❌and late payments! 💸💸💸 DOESN'T👏🏼MATTER👏🏼 IF 👏🏼YOU 👏🏼OWE 👏🏼THE 👏🏼DEBT!!

We're out here getting results!!! 🙌🏽🔥🔥🔥

Who needs the info⁉️

14/12/2023

🎁 This Christmas, give yourself and your family the best gift ever - the gift of credit! 🌟 Unlock opportunities, financial flexibility, and a brighter future. Start your journey to better credit today! 💳✨

08/11/2023

🤣 When you have bad credit and you get denied for a gift card... 🙈 Who knew even the gift cards would be like, 'Nah, we don't trust you!' 😂💳

05/11/2023

🚨 Attention, Friends! 🚨

Did you know every time your credit is pulled, Experian, Equifax, and TransUnion might be pocketing extra by selling your info to telemarketers? 📈👀

If endless sales calls and spammy emails aren't your thing, there's a way out. Use OptOutPrescreen! ✋

It's your legal right to stop credit bureaus from making your financial moves a lead for marketers. By opting out, you keep your details off their selling lists.

Here’s how to do it:
1️⃣ Visit [OptOutPrescreen.com](https://www.optoutprescreen.com/)
2️⃣ Choose either a 5-year opt-out or a permanent one.
3️⃣ Fill in the form with the required details.
4️⃣ Submit and enjoy a quieter phone and a less cluttered inbox.

Take control of your personal info. Share this to spread the word and help your friends take back their privacy too! 🔐📵

01/11/2023

The holidays are approaching fast, and Black Friday is the perfect time to shop smart! 🎄✨

Remember, maxing out those credit cards doesn’t just strain your wallet; going over 30% of your credit card limits can negatively affect your credit score! ⚠️💳

Stay on top of your budget and your credit score with our FREE Black Friday Budgeting Game Plan 🛍️ to navigate those tempting deals without the stress!

Get your Game Plan and let's make this festive season financially fabulous! 😉🛍️

Interested?
1️⃣ Drop us a private message or DM with “I’m in!”
2️⃣ Share this post with friends who'd love a smarter shopping experience.

01/11/2023

📢 Client Update 📢

Hey everyone! We've got some exciting news to share with you all regarding one of our amazing clients! 🌟

In just two rounds of letters, we've witnessed some incredible progress. When this client first joined us, their credit scores were 607, 580, and 595. 📈 Now that's dedication and hard work paying off! 🙌💪

Stay tuned for more success stories, and remember, we're here to help you achieve your financial goals too! 💼✨

13/10/2023

Client results make me so happy! 🌟 Seeing our hard work pay off and our clients succeed is truly fulfilling. 💪📈

11/10/2023

🚀 Exciting News! 🚀

At GOAT Credit Services, we've always been dedicated to helping our clients soar to the top of the credit tiers. But we also understand that some people prefer a hands-on approach to their credit repair journey. That's why we're thrilled to introduce our new offering: 🐐 GOAT Credit DIY 🐐 – empowering YOU to be the Greatest Of All Tiers when it comes to your credit!

Now, you can choose the path that best suits your needs. GOAT Credit DIY provides you with the tools and guidance to take control of your credit repair process, all while keeping costs manageable. 💰

Ready to embark on your credit repair adventure? 🌟

🔗 Explore GOAT Credit DIY: goatcreditDIY.com

📈 This is your opportunity to shape your financial future. You've got the GOATitude; let's make it work for you! 🐐💳

24/08/2023

🚀 **Transform Your Credit Today and Secure Your Future! 🛡️**

Hey there, amazing people! 👋 Are you ready to take control of your financial destiny? Let's talk about the importance of fixing your credit NOW, not waiting until you're in a tight spot!

We all know that achieving bad credit can happen faster than we'd like to admit. A few missed payments here, a forgotten bill there, and suddenly, your credit score takes a hit. But guess what? Repairing that credit takes time and effort. ⏳

Don't wait until you're in a pinch to start repairing your credit. Take proactive steps today to ensure you're financially prepared for whatever life throws your way. It's like building a safety net for your future self! 🌟

And speaking of results, we're thrilled to share the success story of one of our incredible clients. 🎉 Through determination and strategic credit repair, they've seen a remarkable transformation. 📈 From a lower credit score to now enjoying better interest rates and financial opportunities, their hard work has truly paid off.

Remember, good things come to those who take action. Start your credit repair journey today and pave the way for a more stable and prosperous tomorrow. 💪

Ready to learn more? Drop us a message or comment "Credit Ready" below, and let's chat about how we can help you achieve your financial goals! 🌐✨