The Real Will

22/01/2024

STIMULUS IS BACK🤑 but only $10k can be claimed so get it before it runs out🙌🏽

**YOU CAN NOT CLAIM ANY MONEY UNTIL YOU VERIFY YOUR ID**

https://www.stimulus.com/ref/Beezo2392

02/12/2023

Never apologize for choosing yourself. 💪🏾😤

31/07/2022

They gone do u wrong for somebody that's gone do
them wrong.. Crazy but it's true💯📝

24/07/2022

24/07/2022

6 months of a strict budget and serious hustle will change your life‼️‼️

20/07/2022

🗣 So let me get this straight…Y’all want women to go to work, come home, cook, clean up, tend to the kids AND pay half the bills while Y’all go to work and come home🤔

19/07/2022

If i text you “📉” it means your credit bad😳

18/07/2022

U Gettin closer that’s why it’s gettin tougher! Keep going 🤝

17/07/2022

🗣MY SOUL ON A BUDGET 💯 I CAN’T AFFORD NEGATIVITY, DOUBT, DRAMA, HATE OR BAD VIBES🎯

16/07/2022

When i text you “🎬” it means i'm about to make a scene 😂

16/07/2022

🗣 SHE AINT STUCK UP 😭 OR “BOUGIE,” SHE JUST DON’T OWE EVERY MAN A CONVERSATION‼️💯🤷🏾‍♂️

16/07/2022

🗣Dating a single mom means you have more than one heart in your hands… make sure that’s really what you want.

14/07/2022

A GROWN WOMAN will isolate herself to protect her peace..IT'S VERY PERSONAL❗🗣👌🏽

28/06/2022

Hi everyone! 🌟 You can support me by sending Stars - they help me earn money to keep making content you love.

Whenever you see the Stars icon, you can send me Stars!

09/03/2022

If you need a credit card to boost your score have try this one…..

https://www.creditbuildercard.com/thecreditguru

​Invest in yourself by opening up your secured credit card. Put down the deposit today and start building your better credit score future.

22/02/2022

Once you get approved for an auto loan. Here are three things to remember and the reasons why

1. NEVER add extended warranty to your loan amount. (This increases the value of the loan, but the car value decreases as soon as you drive off the lot. Unless you make additional payments on your loan if you ever decide to trade the car in you would have negative equity in the car)

2. NEVER add gap insurance to your loan (same reasons as above)

3. If you want these things pay for them separately but NEVER add them to your loan. (Adding them also increases your monthly payment amount and more money spent towards interest making the banks richer

Save more money by not financing these things in your loan and keeping your car’s value as close as possible to what you owe

19/02/2022

Top 10 Credit Unions & how to obtain membership 💎💎💎💎💎

*Navy Federal requires a sponsor or some sort of military service.
1. *Navy Federal Credit Union* (will need a sponsor)

2. Pentagon Federal Credit Union
a. Members of the National Military Family Association and Voices for America’s Troops are among those eligible for PenFed membership. PenFed makes it easy for you to join one of these associations, and subsequently join PenFed. You pay a one-time due to Voices for America’s Troops for $14 or National Military Family Association for $15.

3. The Golden 1 Credit Union
a. You can apply by becoming a Financial Fitness Association Member with an $8 fee. To become a Financial Fitness Association Member please click on Open an Account and select the Financial Fitness Association Member button.

4. Alliant Credit Union
a. You can join by making a $10 or greater donation to Foster Care to Success (FCS).

5. San Diego County Credit Union
a. You can be eligible by becoming a Financial Fitness Association Member. To become a Financial Fitness Association Member, click on Open an Account and select the Financial Fitness Association Member button.

6. Digital Federal Credit Union
a. You can join an organization with member privileges. Joining these organizations range in membership cost from $25 to $120. Once you join DCU, you have a lifelong membership, so you could cancel a membership with the other organization after joining.

7. Kinecta Federal Credit Union
a. You can join through the Consumers Cooperative Society of Santa Monica. Kinecta will process the enrollment into CCSSM for you. A $10 fee applies CCSSM.

8. Lake Michigan Credit Union
a. If you are a donor to the Amyotrophic Lateral Sclerosis (ALS) Association, West Michigan Chapter, you can be eligible to apply.

9. GTE Federal Credit Union
a. CUSavers for a one-time $10 membership fee qualifies you for credit union membership.

10. NASA Federal Credit Union
a. A complimentary membership to the National Space Society (NSS) entitles you to join NASA FCU.

18/06/2021

How does bankruptcy affect my credit score?
The impact of bankruptcy on a credit report can be devastating and entirely depends on your credit score prior to filing.

According to FICO’s published Damage Points guidelines, the effects range from 130 to a 240 point drop. For example:

A person with a 680 credit score would drop between 130 and 150 points.
A person with a 780 credit score would drop between 220 and 240 points.
So, if your credit score was high, a bankruptcy would drop it instantly to the poor category. Starting with a good score, you likewise end up with a poor score, but your score does not plummet nearly as far.

The end result is still negative — your credit score is bad and it will keep you from getting approved for new credit. The lower your initial score, the less drastic the impact.

17/06/2021

Financial literacy is something that should be taught in schools I use the same plan I give to my clients. I am here to tell you it works!! I went to a store that’s hard to get approved for high credit limits I got approved for a $6,000 line of credit! You have to use it responsibly! So if you need your credit repaired contact me today and let’s start the process today not next week!

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03/06/2021

INFORMATION USED TO CALCULATE YOUR CREDIT SCORE CAN INCLUDE:
• The number and type of accounts you have (credit cards, auto loans, mortgages, etc.);
• Whether you pay your bills on time;
• How much of your available credit you are currently using;
• Whether you have any collection actions against you;
• The amount of your outstanding debt; and
• The age of your accounts.

29/05/2021

🛑5 components of your credit score🛑

1️⃣Payment History
* Worth 35% of your score
* Having a late payment hurts more than a collection
* Before allowing an account to become late, call creditor, split your payment up (example is to split your car payment two every two weeks)
* Late payments are the hardest to get off your report.
* Allowing your student loans to become default is the worst mistake ever.
* Never miss a payment! Takes 8 months to even get back where you were. Worth 192.5 points.

2️⃣Credit Card utilization
* Worth 30% of your score
* Having maxed out cards can drop your score over 165pts

3️⃣Length of Credit History
* Worth 15% of your score
* Length of credit is not really something you can control
* BUT start early
* Every time you open a new account your length adjust

4️⃣Types of Accounts
* Worth 10% of your score
* You need different types of accounts
* It best but not necessary, it won’t be the the most important factor in determining your score
* But having a few different accounts shows the lenders that you are responsible
* Installment loans, revolving accounts, open accounts

5️⃣Recent Applications For Credit (inquiries)
* Worth 10% of your score
* No one will want to give anything if it shows you have been hungry for new credit.
* Stays on your credit report for 2 years

KNOWLEDGE IS POWER‼️

22/05/2021

Do you really need a credit card, or can you get through life paying cash for everything? It is possible to function financially without a credit card, but having at least one or two in your wallet is a good idea. Credit cards can provide emergency funds, help you finance big purchases and protect you from fraud. Using a credit card responsibly is also a great way to build credit.

What Are the Benefits of Having a Credit Card?

Credit cards can help you do a lot more than just buy things. Here are some other benefits of having a credit card.

Build credit: By giving you an opportunity to show how well you manage credit, credit cards are a useful tool to build credit. Most credit card issuers will report your payment activity and account information to the three consumer credit bureaus: Experian, TransUnion and Equifax. Because credit cards give you the flexibility to pay your full balance each month or just pay the minimum, they are a good indicator of how well you manage credit. When you make all your payments on time and avoid maxing out your credit limit, credit cards can help you build a solid credit history.

the amount of available credit you use counts for 30% of your score! So should you get a credit card? Short answer yes !

https://www.creditbuildercard.com/thecreditguru 👈🏽 great approval odds with my card!

20/05/2021

Just for thought so if you’re still in the dark about your credit just know that if you have excellent credit you will be approved for anything and everything ! It holds more value than hundreds of thousands in cash!

15/05/2021

IF YOUR HOLDING YOUR PHONE RIGHT NOW
TYPE:GOD IS ABLE ‼️😩🙏🏾🙌🏾

13/05/2021

Who else can I help?
Who else needs credit restoration services?
I have 10 vouchers left!!

1st Come 1st Served!

Comment “ME”

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26/04/2021

WE WILL DISPUTE EVERY ITEM THAT IMPACTS YOUR CREDIT REPORT IN A NEGATIVE WAY!!!

THE FAIR CREDIT REPORTING ACT IS REAL & WE HAVE A TEAM OF ATTORNEYS READY DISPUTE EXPERIAN, TRANSUNION & EQUIFAX ALL @ ONCE!

CAN'T QUITE GET YOUR SCORE WHERE YOU WANT IT?

BEEN FIGHTING FOR A WHILE WITH THE BUREAUS?

LET US FINISH THE FIGHT FOR YOU!

INBOX ME NOW OR COMMENT BELOW

21/04/2021

People really Die in their Sleep🥺...but God Woke us up this Whole Week😩... Stop wyd and give Him some praise🙌✨‼️