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Stop #paying someone else #high #fees to #repair your #credit. Do it yourself! #SmartMoneyKit Includes everything here for a ONE TIME payment of $99.95! •26 Step by Step How To Repair Your
 Credit Videos
•4 Rounds of Dispute Letter Templates
•Re-establishing new credit via little known sources
•Income Shifting Strategies for producing increased cash flow
•Minimize Expenses Tool •Debt Elimination Tool
•Investment Calculator

We made it easy to discover everything the experts know about credit education PLUS MORE, instead of paying them hundreds of dollars to do it for you!

Comment below or inbox me if interested.
Stop #paying  someone else #high  #fees  to #repair  your #credit . Do it yourself! #SmartMoneyKit  Includes everything here for a ONE TIME payment of $99.95! •26 Step by Step How To Repair Your Credit Videos •4 Rounds of Dispute Letter Templates •Re-establishing new credit via little known sources •Income Shifting Strategies for producing increased cash flow •Minimize Expenses Tool •Debt Elimination Tool •Investment Calculator We made it easy to discover everything the experts know about credit education PLUS MORE, instead of paying them hundreds of dollars to do it for you! Comment below or inbox me if interested.
Happy Monday, everyone! Did you have a great weekend?
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#Terrell #Kaufman #dallas #texas #usedcars #nocredit #badcredit #creditrepair #repairingcredit #like #follow #sales #support #howcanwehelp #comment #texascars #carsofinstagram #carswithoutlimits #cars #instacars #instalike #discounts
I meeeaaannn!!! What is you doing?!? 🤔
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We are 3 months away from the New Years. So my question to you is: Would you want to step 2018 with bad credit AGAIN??
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Let me help you reach your goal. Stop ✋ wasting money on unnecessary gadgets and invest in a life time change. #creditrepair #creditadvancedservices #jessfixmycredit
I meeeaaannn!!! What is you doing?!? 🤔 _ We are 3 months away from the New Years. So my question to you is: Would you want to step 2018 with bad credit AGAIN?? _ Let me help you reach your goal. Stop ✋ wasting money on unnecessary gadgets and invest in a life time change. #creditrepair  #creditadvancedservices  #jessfixmycredit 
Did you know: No credit = Poor credit? 
When credit repair companies remove derogatory information from your credit, unless you have a few good standing accounts, you are often times left without any positive credit history at all. 
Enter Peace Properties, LLC! 
We will not only repair your credit by removing derogatory accounts, we will also set you up with positive revolving accounts to help re-establish your newly repaired credit! 
Contact Us Today to get Started! - Wyniqua Ridgley-Reeves
http://PeacePropertiesLLC.com 
#CreditRepair #PersonalCredit #RepairingCredit  #PersonalCreditRepair
Did you know: No credit = Poor credit? When credit repair companies remove derogatory information from your credit, unless you have a few good standing accounts, you are often times left without any positive credit history at all. Enter Peace Properties, LLC! We will not only repair your credit by removing derogatory accounts, we will also set you up with positive revolving accounts to help re-establish your newly repaired credit! Contact Us Today to get Started! - Wyniqua Ridgley-Reeves http://PeacePropertiesLLC.com #CreditRepair  #PersonalCredit  #RepairingCredit  #PersonalCreditRepair 
Not too long ago I had post about medical bills reporting on consumers credit report.
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On Sept 15th 2017 your credit scores will slightly increase. YES! And this is because Medical Collections will be deleted from consumer credit reports IF ☝🏽they're paid by health insurers.
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So let's all say GOOD BYE 👋 to paid medical bills on your credit report and a HUGE WELCOME to credit scores INCREASES!! 🎉 We all LOVE that....right?!?
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Comment with a cheerful emoji below 👇🏽👇🏽👇🏽 #creditadvancedservices #improvingoverallcredit
Not too long ago I had post about medical bills reporting on consumers credit report. _ On Sept 15th 2017 your credit scores will slightly increase. YES! And this is because Medical Collections will be deleted from consumer credit reports IF ☝🏽they're paid by health insurers. _ So let's all say GOOD BYE 👋 to paid medical bills on your credit report and a HUGE WELCOME to credit scores INCREASES!! 🎉 We all LOVE that....right?!? _ Comment with a cheerful emoji below 👇🏽👇🏽👇🏽 #creditadvancedservices  #improvingoverallcredit 
Good Morning Bosses!! ☀️ May you ALL have a great and Positive Day!! Knock your today Goals and may the Sun keep shining on your accomplishments!! 😊 #ShineBosses
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Tag your IG Friend bosses and wish them a Great and Positive Day!! Comment below. ☺️
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#creditadvancedservices #improvingoverallcredit #jessfixmycredit #femaleentrepreneur #solopreneur
This 2013 KIA Sportage LX is pretty stylish! Come check it out today 😎 ---------------------------------------------------
#kia #sportage #suv #creditrepair #repairingcredit #badcredit #nocredit #like #comment #follow #community #sales #support #sleek #stylish #howcanwehelp #dallas #Kaufman #Terrell #texas
I just love waking up to good news from my clients, this client added a Barclays tradeline with an $11k limit and it boosted her score by 93 points, only took two weeks!!!
#makingmovesoverhere# #boostingscores# #repairingcredit# #stopprocrastinating# #thecreditmadam# #dontsayiaintellyou# #realcreditresults# #homeownerqualified# #creditrestoration# #ficoscore# #homeownership# #creditrepair# #contactme#
Richard fell in love at first sight, and we can't blame him! He drove away a very happy customer in this beautiful Cadillac! ----------------------------------------------------
#cadillac #buyherepayhere #nocredit #badcredit #repairingcredit #creditrepair #support #like #follow #comment #community #thankyou #customerservice #customersatisfaction #luxurycar #gentlyused #gentlyowned #sales #howcanwehelp #carsofinstagram #carswithoutlimits #instacars #dailycars
Richard fell in love at first sight, and we can't blame him! He drove away a very happy customer in this beautiful Cadillac! ---------------------------------------------------- #cadillac  #buyherepayhere  #nocredit  #badcredit  #repairingcredit  #creditrepair  #support  #like  #follow  #comment  #community  #thankyou  #customerservice  #customersatisfaction  #luxurycar  #gentlyused  #gentlyowned  #sales  #howcanwehelp  #carsofinstagram  #carswithoutlimits  #instacars  #dailycars 
The importance of identifying errors or identity theft on your credit report is by obtaining one. Credit Advanced Services is here to help you on how to protect your credit and avoid identity theft.
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Visit our website and book your appointment. Link is in my bio. #creditadvancedservices #improvingoverallcredit #protectingyourcredit
The importance of identifying errors or identity theft on your credit report is by obtaining one. Credit Advanced Services is here to help you on how to protect your credit and avoid identity theft. _ Visit our website and book your appointment. Link is in my bio. #creditadvancedservices  #improvingoverallcredit  #protectingyourcredit 
We thought this photo was pretty majestic, what do you think? 😎 --------------------------------------------------
#weloveamerica #teamusa #dallas #texas #Kaufman #Terrell #howcanwehelpyou #passion #community #customerservice #customersatisfaction #thankyou #support #sales #buyherepayhere #creditrepair #repairingcredit #like #comment #follow #sales #preowned #gentlyused
WHEN YOU PIGGY BACK SOMEONE ELSES CREDIT 🙌🏾🙌🏾🙌🏾🙌🏾🙌🏾🙌🏾🙌🏾 _____________________________ 
#Repost @just_nell_
・・・
Someone told me her son had asked if she could add him to her credit card because it'll be beneficial to his credit. But because she thought he was lying so she told him no. 
_____________________________ 
This is a score of an 18 yr old that is ONLY an authorized user. The only thing against him is the time length and total amount of accounts. So being an authorized user actually IS beneficial to those that want to establish and/or rebuild their credit. 
#creditawareness #BuildingCredit #RepairingCredit #TheMoreYouKnow #KnowledgeIsPower #EachOneTeachOne  #Dedication #Determination #Discipline #creditawareness #BuildingCredit #goals #800club #700club #fixyourcredit #piggyback #authorizeduser #fico #vantage #goodcredit #financialgoals #RepairingCredit #TheMoreYouKnow #KnowledgeIsPower #EachOneTeachOne
WHEN YOU PIGGY BACK SOMEONE ELSES CREDIT 🙌🏾🙌🏾🙌🏾🙌🏾🙌🏾🙌🏾🙌🏾 _____________________________ #Repost  @just_nell_ ・・・ Someone told me her son had asked if she could add him to her credit card because it'll be beneficial to his credit. But because she thought he was lying so she told him no. _____________________________ This is a score of an 18 yr old that is ONLY an authorized user. The only thing against him is the time length and total amount of accounts. So being an authorized user actually IS beneficial to those that want to establish and/or rebuild their credit. #creditawareness  #BuildingCredit  #RepairingCredit  #TheMoreYouKnow  #KnowledgeIsPower  #EachOneTeachOne  #Dedication  #Determination  #Discipline  #creditawareness  #BuildingCredit  #goals  #800club  #700club  #fixyourcredit  #piggyback  #authorizeduser  #fico  #vantage  #goodcredit  #financialgoals  #RepairingCredit  #TheMoreYouKnow  #KnowledgeIsPower  #EachOneTeachOne 
Everyone wants a 700-800 credit score but to reach that Goal the first step starts with YOU! You make your credit better by deciding what is good for your credit. No one else does but YOU.
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So STOP ✋ hesitating and get your GOAL going. 🏁 #creditadvancedservices #improvingoverallcredit #jessfixmycredit
Everyone wants a 700-800 credit score but to reach that Goal the first step starts with YOU! You make your credit better by deciding what is good for your credit. No one else does but YOU. _ So STOP ✋ hesitating and get your GOAL going. 🏁 #creditadvancedservices  #improvingoverallcredit  #jessfixmycredit 
Selena came in and grabbed her FREE gas card and also received her first REFERRAL CHECK! If you participate in our referral program, you could get your own referral check 😎 ---------------------------------------
#texas #dallas #Kaufman #Terrell #gascard #freewarranty #freeoilchange #99down #referralprogram #deals #carsofinstagram #cars #repairingcredit #creditrepair #nocredit #badcredit #howcanwehelpyou #support #sales #like #follow #comment
Looking for a great/stylish family car?! Then this Ford Flex would be perfect for you! Come check it out today 😎
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#Ford #flex #texas #deals #buyherepayhere #creditrepair #repairingcredit #nocredit #badcredit #Kaufman #Terrell #dallas #support #comeseeus #communityfirst #passion #family
Providing quality service is what we do best! Now, how can we help you?! ----------------------------------------
#reviews #customerappreciation #customerservice #greatqualityservice #buyherepayhere #nocredit #badcredit #repairingcredit #texas #kaufmann #dallas #Terrell #deals #dealership #preowned #carsofinstagram #cars
Are you looking to get a car, but have bad credit? Or maybe you just don't have any credit built up yet. Either way, we can help you! Visit us today let us help you find your perfect car! ------------------------------------------ #buyherepayhere #nocredit #creditrepair #repairingcredit #badcredit #dealership #sales #deals #help #passion #support #cars #carsofinstagram #texas #Terrell #dallas #Kaufman
The newest addition to the Auto Center of Texas family, Ms. Campbell! Are you just starting out and don't have any credit? Come visit us this weekend and we can help you find your perfect vehicle 😎 ------------------------------------------
#preowned #fordfusion #nocredit #badcredit #repairingcredit #buyherepayhere #community #support #help #helpinghands #deals #sales #dealership #passion #friday
Can you picture yourself driving this Jeep Patriot?! We can too! Come check it out today! ---------------------------------------
#99down #deals #sales #gentlyused #preowned #passion #buyherepayhere #badcredit #nocredit #comecheckitout #repairingcredit #jeep #patriot #Texas #dallas #Kaufman #Terrell
You could drive off in this 2013 Ford Focus for just just $500 down! Come visit us today! -----------------------------------------------
#badcredit #repairingcredit #deals #500 #cars #carsofinstagram #ford #fordfocus #buyherepayhere #mesa #arizona #tempe #gilbert #mesaarizona #gentlyused #preowned #dealership #community
No credit? Bad credit? No problem! Come see us today and get a new ride for just $500 down! ------------------------------------------
#badcredit #repos #preowned #gently used #arizona #buyherepayhere #cars #carsofinstagram #dailycars #business #deals #help #repairingcredit #customerservice #like #follow #comment
THE BURDEN OF MEDICAL BILLS REPORTING 🤦🏽‍♀️
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Starting September 15th, 2017 the credit bureaus namely, Experian, Equifax and Trans Union will set a 180-day waiting period before including medical Bills on your credit report.
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The 6 months period is intended to ensure there's enough time to resolve disputes with the insurer and delays in payments.
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In addition, the credit bureaus will remove medical bills from your credit report once it's paid by an insurer. (Isn't this Great?!? 😁🎉) (credit and article related to NPR.com) 
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Medical Bills usually don't have a major impact to your credit scores however having collection accounts including medical bills has an impact on how Lenders evaluates you.
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So for those who are having problems with their credit due to medical bills, welp be glad....they will be deleted offs your credit report. 😊 #creditadvancedservices #improvingoverallcredit #jessfixmycredit #creditcoach #444
THE BURDEN OF MEDICAL BILLS REPORTING 🤦🏽‍♀️ _ Starting September 15th, 2017 the credit bureaus namely, Experian, Equifax and Trans Union will set a 180-day waiting period before including medical Bills on your credit report. _ The 6 months period is intended to ensure there's enough time to resolve disputes with the insurer and delays in payments. _ In addition, the credit bureaus will remove medical bills from your credit report once it's paid by an insurer. (Isn't this Great?!? 😁🎉) (credit and article related to NPR.com) _ Medical Bills usually don't have a major impact to your credit scores however having collection accounts including medical bills has an impact on how Lenders evaluates you. _ So for those who are having problems with their credit due to medical bills, welp be glad....they will be deleted offs your credit report. 😊 #creditadvancedservices  #improvingoverallcredit  #jessfixmycredit  #creditcoach  #444 
Check out the sleek design of this 2015 Ford Focus we have in our inventory! ---------------------------------------------------
#usedcars #stylish #autocenteroftexas #gascard #free #Terrell #Kaufman #repairingcredit  #freewarranty #freeoilchange #Texas #Ford #Focus #community #carsofinstagram #dailycars #dealership #sales #sleek #affordable
Call us today! --------------------------------------------------
#cars #autocenteroftexas #gascard #free #Dallas #Terrell #Kaufman #repairingcredit #freewarranty #freeoilchange
Focusing on you includes having your credit where YOU need it. What if you woke up and decided you were going to stop renting and start owning but bad credit is stopping you? It's time to focus on you a small investment will reap great results 🙏🏼 #judgementfreezone #ivebeenthere #yourcreditgal #howcanihelp #dontbetrapped #fixyourcredit #repairingcredit #restoreyourcredit #badcredit #igotyourback
It's a shame that rent and utilities don't count as a positive item on your credit report. If you stop paying them on time and it gets far enough behind then they report you have NOT been paying. So unfair! There is a newer option that can count your rent as a positive item. Maybe one of you credit professionals know what that is called? Tag a credit repair person if know one.
It's a shame that rent and utilities don't count as a positive item on your credit report. If you stop paying them on time and it gets far enough behind then they report you have NOT been paying. So unfair! There is a newer option that can count your rent as a positive item. Maybe one of you credit professionals know what that is called? Tag a credit repair person if know one.
30% of your credit score is based on credit utilization ratio. Which is basically the amount of revolving debt you carry in relation to the amount of credit available to you. 
_____________________________ 
If you have a $250 balance on a card with a $500 limit your utilization is 50% 🛑Utilization is calculated for each card as well as overall. When your credit card balances are close to or at their limits, thats a 🚩 to lenders about how responsible you are when it comes to using credit.
_____________________________ 
People with poor scores tend to use their credit more frequently utilizing most of their available limit. Which is a big reason for not getting approved for higher limits.
_____________________________ 
#FinancialGoals #GoodHabits  #creditawareness #BuildingCredit #FinancialWellness #RepairingCredit #MoneyManagement #TheMoreYouKnow #KnowledgeIsPower #EachOneTeachOne #creditsesame #fico #vantage #credit
30% of your credit score is based on credit utilization ratio. Which is basically the amount of revolving debt you carry in relation to the amount of credit available to you. _____________________________ If you have a $250 balance on a card with a $500 limit your utilization is 50% 🛑Utilization is calculated for each card as well as overall. When your credit card balances are close to or at their limits, thats a 🚩 to lenders about how responsible you are when it comes to using credit. _____________________________ People with poor scores tend to use their credit more frequently utilizing most of their available limit. Which is a big reason for not getting approved for higher limits. _____________________________ #FinancialGoals  #GoodHabits  #creditawareness  #BuildingCredit  #FinancialWellness  #RepairingCredit  #MoneyManagement  #TheMoreYouKnow  #KnowledgeIsPower  #EachOneTeachOne  #creditsesame  #fico  #vantage  #credit 
Payment history accounts for 35% of your credit score and late payments can be detrimental to your credit rating. Among members with poor credit scores, 11% of debt accounts are currently delinquent (at least 30 days late).
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Get into the habit of paying your bills on time, every month!!! Use autopay, set a reminder on your calendar or whatever it takes to avoid late payments. 
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Late payments can remain on your credit report for seven years but they begin to lose some of their sting after the first two years.  While making timely payments doesn’t automatically erase past late payments, a positive payment history can help to turn a low score around over time.
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#FinancialGoals #GoodHabits  #creditawareness #BuildingCredit #FinancialWellness #RepairingCredit #MoneyManagement #TheMoreYouKnow #KnowledgeIsPower #EachOneTeachOne #creditsesame #fico #vantage #credit
Payment history accounts for 35% of your credit score and late payments can be detrimental to your credit rating. Among members with poor credit scores, 11% of debt accounts are currently delinquent (at least 30 days late). _____________________________ Get into the habit of paying your bills on time, every month!!! Use autopay, set a reminder on your calendar or whatever it takes to avoid late payments. _____________________________ Late payments can remain on your credit report for seven years but they begin to lose some of their sting after the first two years.  While making timely payments doesn’t automatically erase past late payments, a positive payment history can help to turn a low score around over time. _____________________________ #FinancialGoals  #GoodHabits  #creditawareness  #BuildingCredit  #FinancialWellness  #RepairingCredit  #MoneyManagement  #TheMoreYouKnow  #KnowledgeIsPower  #EachOneTeachOne  #creditsesame  #fico  #vantage  #credit 
Derogatory accounts include collection accounts, charge-offs, tax liens, debt settlement arrangements, a foreclosure or bankruptcy, which all can keep you from obtaining a higher score.
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If you have derogatory marks on your credit report that you believe are inaccurate, you have the right to dispute them with the credit bureau that’s reporting the information. If your dispute is valid, the derogatory information must, by law, be corrected or removed. If the information is accurate, you could appeal to the creditor directly to ask them to remove it from your credit report. 
_____________________________ 
#FinancialGoals #GoodHabits  #creditawareness #BuildingCredit #FinancialWellness #RepairingCredit #MoneyManagement #TheMoreYouKnow #KnowledgeIsPower #EachOneTeachOne #creditsesame #fico #vantage #credit101
Derogatory accounts include collection accounts, charge-offs, tax liens, debt settlement arrangements, a foreclosure or bankruptcy, which all can keep you from obtaining a higher score. _____________________________ If you have derogatory marks on your credit report that you believe are inaccurate, you have the right to dispute them with the credit bureau that’s reporting the information. If your dispute is valid, the derogatory information must, by law, be corrected or removed. If the information is accurate, you could appeal to the creditor directly to ask them to remove it from your credit report. _____________________________ #FinancialGoals  #GoodHabits  #creditawareness  #BuildingCredit  #FinancialWellness  #RepairingCredit  #MoneyManagement  #TheMoreYouKnow  #KnowledgeIsPower  #EachOneTeachOne  #creditsesame  #fico  #vantage  #credit101 
HISTORY COUNTS...DONT CLOSE THOSE OLD ACCOUNTS...IT COULD CAUSE YOUR SCORE TO DECREASE. 
Instead simply use them for small monthly charges such as a gym membership or Netflix. 😉👌🏾 #FinancialGoals #GoodHabits  #creditawareness #BuildingCredit #FinancialWellness #RepairingCredit #MoneyManagement #FinancialGoals #GoodHabits #TheMoreYouKnow #KnowledgeIsPower #EachOneTeachOne #creditsesame 
#Dedication #Determination #Discipline
Credit vs. debit: Get the most from your cards

Credit and debit cards may look similar, but their features and uses are quite different. Don’t reach into your wallet without knowing the pros and cons of each.

Both credit & debit cards are important parts of your financial life. Knowing WHEN & HOW to use each of them will may help you build a stronger credit history while keeping your debt levels. 
#WhyHaveCredit #CreditOrCash #DebitVsCredit #CreditVsDebit #debit #credit #FinancialGoals #GoodHabits  #creditawareness #BuildingCredit #FinancialWellness #RepairingCredit #MoneyManagement #FinancialGoals #GoodHabits #TheMoreYouKnow #KnowledgeIsPower #EachOneTeachOne #creditsesame 
#Dedication #Determination #Discipline #creditawareness #BuildingCredit
Credit vs. debit: Get the most from your cards Credit and debit cards may look similar, but their features and uses are quite different. Don’t reach into your wallet without knowing the pros and cons of each. Both credit & debit cards are important parts of your financial life. Knowing WHEN & HOW to use each of them will may help you build a stronger credit history while keeping your debt levels. #WhyHaveCredit  #CreditOrCash  #DebitVsCredit  #CreditVsDebit  #debit  #credit  #FinancialGoals  #GoodHabits  #creditawareness  #BuildingCredit  #FinancialWellness  #RepairingCredit  #MoneyManagement  #FinancialGoals  #GoodHabits  #TheMoreYouKnow  #KnowledgeIsPower  #EachOneTeachOne  #creditsesame  #Dedication  #Determination  #Discipline  #creditawareness  #BuildingCredit 
Credit vs. debit: Get the most from your cards

Credit and debit cards may look similar, but their features and uses are quite different. Don’t reach into your wallet without knowing the pros and cons of each.

Both credit & debit cards are important parts of your financial life. Knowing WHEN & HOW to use each of them will may help you build a stronger credit history while keeping your debt levels. 
#WhyHaveCredit #CreditOrCash #DebitVsCredit #CreditVsDebit #debit #credit #FinancialGoals #GoodHabits  #creditawareness #BuildingCredit #FinancialWellness #RepairingCredit #MoneyManagement #FinancialGoals #GoodHabits #TheMoreYouKnow #KnowledgeIsPower #EachOneTeachOne #creditsesame 
#Dedication #Determination #Discipline #creditawareness #BuildingCredit
Credit vs. debit: Get the most from your cards Credit and debit cards may look similar, but their features and uses are quite different. Don’t reach into your wallet without knowing the pros and cons of each. Both credit & debit cards are important parts of your financial life. Knowing WHEN & HOW to use each of them will may help you build a stronger credit history while keeping your debt levels. #WhyHaveCredit  #CreditOrCash  #DebitVsCredit  #CreditVsDebit  #debit  #credit  #FinancialGoals  #GoodHabits  #creditawareness  #BuildingCredit  #FinancialWellness  #RepairingCredit  #MoneyManagement  #FinancialGoals  #GoodHabits  #TheMoreYouKnow  #KnowledgeIsPower  #EachOneTeachOne  #creditsesame  #Dedication  #Determination  #Discipline  #creditawareness  #BuildingCredit 
A cash-only lifestyle is great for the budget. If you don’t have it, you don’t spend it. For those consumers that are prone to racking up debt they can’t afford to pay off right away, cash/debit is the smart choice. 
But if you’re not at high risk for falling into a financial hole over your head, you might want to consider using credit for your everyday purchases. 
#WhyHaveCredit #CreditOrCash #CashOrCredit #FinancialGoals #GoodHabits  #creditawareness #BuildingCredit #FinancialWellness #RepairingCredit #MoneyManagement #FinancialGoals #GoodHabits #TheMoreYouKnow #KnowledgeIsPower #EachOneTeachOne #CreditSesame
A cash-only lifestyle is great for the budget. If you don’t have it, you don’t spend it. For those consumers that are prone to racking up debt they can’t afford to pay off right away, cash/debit is the smart choice. But if you’re not at high risk for falling into a financial hole over your head, you might want to consider using credit for your everyday purchases. #WhyHaveCredit  #CreditOrCash  #CashOrCredit  #FinancialGoals  #GoodHabits  #creditawareness  #BuildingCredit  #FinancialWellness  #RepairingCredit  #MoneyManagement  #FinancialGoals  #GoodHabits  #TheMoreYouKnow  #KnowledgeIsPower  #EachOneTeachOne  #CreditSesame 
Whether your're looking to save for a short term goal and/or long term always always always do your research to learn what works best for you!!! 💸💰💵💸💰💵 1. general savings account
2. checking account or 
3. CD's or IRAs, annuities or 529 accounts. 
#Savings #MadMoney #EmergencyFund #finance #invest #investing #economics #interest #financialfreedom #ira #retirement #rothira #creditawareness #BuildingCredit #RepairingCredit #TheMoreYouKnow #KnowledgeIsPower #EachOneTeachOne  #Dedication #Determination #Discipline #financialgoals
Whether your're looking to save for a short term goal and/or long term always always always do your research to learn what works best for you!!! 💸💰💵💸💰💵 1. general savings account 2. checking account or 3. CD's or IRAs, annuities or 529 accounts. #Savings  #MadMoney  #EmergencyFund  #finance  #invest  #investing  #economics  #interest  #financialfreedom  #ira  #retirement  #rothira  #creditawareness  #BuildingCredit  #RepairingCredit  #TheMoreYouKnow  #KnowledgeIsPower  #EachOneTeachOne  #Dedication  #Determination  #Discipline  #financialgoals 
Someone told me her son had asked if she could add him to her credit card because it'll be beneficial to his credit. But because she thought he was lying so she told him no. 
This is a score of a person that is ONLY an authorized user. The only thing against him is the time length and total amount of accounts. So being an authorized user actually IS beneficial to those that want to establish and/or rebuild their credit. 
#creditawareness #BuildingCredit #RepairingCredit #TheMoreYouKnow #KnowledgeIsPower #EachOneTeachOne  #Dedication #Determination #Discipline #creditawareness #BuildingCredit #goals #800club #700club #fixyourcredit #piggyback #authorizeduser #fico #vantage #goodcredit #financialgoals #RepairingCredit #TheMoreYouKnow #KnowledgeIsPower #EachOneTeachOne
Someone told me her son had asked if she could add him to her credit card because it'll be beneficial to his credit. But because she thought he was lying so she told him no. This is a score of a person that is ONLY an authorized user. The only thing against him is the time length and total amount of accounts. So being an authorized user actually IS beneficial to those that want to establish and/or rebuild their credit. #creditawareness  #BuildingCredit  #RepairingCredit  #TheMoreYouKnow  #KnowledgeIsPower  #EachOneTeachOne  #Dedication  #Determination  #Discipline  #creditawareness  #BuildingCredit  #goals  #800club  #700club  #fixyourcredit  #piggyback  #authorizeduser  #fico  #vantage  #goodcredit  #financialgoals  #RepairingCredit  #TheMoreYouKnow  #KnowledgeIsPower  #EachOneTeachOne 
👀I am looking for 10 new Business Partners to join the team this week! 
Who's looking for extra income💰? * No experience is required❌
* Be your own boss💼
* Unlimited training🙇🏽📚
* Get your credit restored💪🏽
* Life insurance⛑🔐
* And so much more..... If you are serious about joining, please comment or inbox "interested" for more details! ***SERIOUS INQUIRIES ONLY*** #entrepreneur #helpingothers #repairingcredit #rebuildinglives #protectionthatpays #protectyourwealth #protectyourfuture #becomeahomeowner #financialfreedom #financialeducationservices #joinmyteam #jointhemovement #changinglives #everydayeverywhere
👀I am looking for 10 new Business Partners to join the team this week! Who's looking for extra income💰? * No experience is required❌ * Be your own boss💼 * Unlimited training🙇🏽📚 * Get your credit restored💪🏽 * Life insurance⛑🔐 * And so much more..... If you are serious about joining, please comment or inbox "interested" for more details! ***SERIOUS INQUIRIES ONLY*** #entrepreneur  #helpingothers  #repairingcredit  #rebuildinglives  #protectionthatpays  #protectyourwealth  #protectyourfuture  #becomeahomeowner  #financialfreedom  #financialeducationservices  #joinmyteam  #jointhemovement  #changinglives  #everydayeverywhere 
Closing unused accounts can leave a negative impact on your score if it causes your utilization ratio to increase.

Applying for new credit can also ding your score. Each time a lender pulls your credit history, a hard inquiry shows up on your credit report. Each hard inquiry can knock a few points off your score. Your score will gradually recover over the course of a year from the date of each inquiry.
Closing unused accounts can leave a negative impact on your score if it causes your utilization ratio to increase. Applying for new credit can also ding your score. Each time a lender pulls your credit history, a hard inquiry shows up on your credit report. Each hard inquiry can knock a few points off your score. Your score will gradually recover over the course of a year from the date of each inquiry.
And finalllllly Step 1: Get a line of credit

In order to establish credit history, you need to have a form of credit. The simplest way for you to begin will be to open a credit card. If your score is low or non-existent, then you’ll need to apply for a secured card or a store card.

Secured Card:  You’ll use your own money as collateral by putting down a deposit of a few hundred dollars with the bank. Typically, that amount will then be your credit limit. Once you prove you’re responsible, you can get back your deposit and upgrade to a regular credit card. 
Store Card: People with a low credit score can often still get store cards because banks are more likely to approve users who apply through the store. The catch is that the interest rates are often very high if you can’t make your payments. ---------- Major 🔑: if someone you know adds you as an AU to their acct THATS IN GOOD STANDING; their history becomes your history as well. Friend, lover, mother, brother. Doesnt matter who if they are willing to help. My son piggybacked some accts a s now at 18 his score is 757 😎
And finalllllly Step 1: Get a line of credit In order to establish credit history, you need to have a form of credit. The simplest way for you to begin will be to open a credit card. If your score is low or non-existent, then you’ll need to apply for a secured card or a store card. Secured Card: You’ll use your own money as collateral by putting down a deposit of a few hundred dollars with the bank. Typically, that amount will then be your credit limit. Once you prove you’re responsible, you can get back your deposit and upgrade to a regular credit card. Store Card: People with a low credit score can often still get store cards because banks are more likely to approve users who apply through the store. The catch is that the interest rates are often very high if you can’t make your payments. ---------- Major 🔑: if someone you know adds you as an AU to their acct THATS IN GOOD STANDING; their history becomes your history as well. Friend, lover, mother, brother. Doesnt matter who if they are willing to help. My son piggybacked some accts a s now at 18 his score is 757 😎
Step 2: Keep your utilization rate low

Utilization is the amount of your credit limit you spend each month. For example, if you have a $500 credit limit and spend $50 in a month, you’re utilization will be 10%. Your utilization is part of what determines your credit score.

Your goal should be to never exceed 30% of your credit limit. Ideally, you should be even lower than 30% because the lower your utilization rate, the better your score will be.
We recommend you make one small purchase (hello, pack of gum) a month to keep your utilization low and help increase your credit score at a faster rate.
Step 2: Keep your utilization rate low Utilization is the amount of your credit limit you spend each month. For example, if you have a $500 credit limit and spend $50 in a month, you’re utilization will be 10%. Your utilization is part of what determines your credit score. Your goal should be to never exceed 30% of your credit limit. Ideally, you should be even lower than 30% because the lower your utilization rate, the better your score will be. We recommend you make one small purchase (hello, pack of gum) a month to keep your utilization low and help increase your credit score at a faster rate.
Step 3: Pay in full, and on time, each month
The easiest way to prove you’re responsible is to only charge what you can afford. Never use your credit card to buy an item you won’t be able to pay off on time and in full each month.
Being late on your payments has a huge, negative impact on your credit score.
There is also no advantage to only paying the minimum amount due on your card. That will only result in you paying interest and does nothing to help your credit score. So just save yourself money and pay your entire bill.

IF I CANT PAY IT IN FULL DONT CHARGE IT is my motto
Step 3: Pay in full, and on time, each month The easiest way to prove you’re responsible is to only charge what you can afford. Never use your credit card to buy an item you won’t be able to pay off on time and in full each month. Being late on your payments has a huge, negative impact on your credit score. There is also no advantage to only paying the minimum amount due on your card. That will only result in you paying interest and does nothing to help your credit score. So just save yourself money and pay your entire bill. IF I CANT PAY IT IN FULL DONT CHARGE IT is my motto
Step 4: Avoid credit card debt
This goes hand-and-hand with step three. By only purchasing what you can pay off in full, you’ll never accumulate credit card debt.
If you’re already in debt from the misuse of credit cards, then make sure you continue to pay at least the minimum due on time each month. 🔑I LIKE TO PAY A LITTLE MORE THAN THE MINIMUM IF POSSIBLE. ESPECIALLY IF IM BEING CHARGE APR. 🔑Paying on time is the number one indicator of a responsible borrower.
Step 4: Avoid credit card debt This goes hand-and-hand with step three. By only purchasing what you can pay off in full, you’ll never accumulate credit card debt. If you’re already in debt from the misuse of credit cards, then make sure you continue to pay at least the minimum due on time each month. 🔑I LIKE TO PAY A LITTLE MORE THAN THE MINIMUM IF POSSIBLE. ESPECIALLY IF IM BEING CHARGE APR. 🔑Paying on time is the number one indicator of a responsible borrower.
Step 5: As your score improves, so will your options for better credit cards. 🤸🏾‍♀️ You’ll start to get credit card offers as you begin to build your credit history and improve your score. Credit card companies still love sending snail mail.
Beware of any offers, especially for cash back cards, while your score is below 650. These cards typically provide little value and can smack you with high interest rates if you fail to follow step three. 
You can opt out of receiving them for five years or opt out of receiving them permanently. To opt out for five years: Call toll-free 1-888-5-OPT-OUT (1-888-567-8688) or visit www.optoutprescreen.com.
Step 5: As your score improves, so will your options for better credit cards. 🤸🏾‍♀️ You’ll start to get credit card offers as you begin to build your credit history and improve your score. Credit card companies still love sending snail mail. Beware of any offers, especially for cash back cards, while your score is below 650. These cards typically provide little value and can smack you with high interest rates if you fail to follow step three. You can opt out of receiving them for five years or opt out of receiving them permanently. To opt out for five years: Call toll-free 1-888-5-OPT-OUT (1-888-567-8688) or visit www.optoutprescreen.com.
Step 6: Protect your score
Once you’ve achieved a higher credit score, be sure to protect it by following these simple steps:
* Always pay on time – late or missed payments will cost you dearly * Try to keep your credit usage below 30% of your available credit * If you apply for a store card to increase your credit then immediately put in the freezer (literally if you have to) and avoid spending * Be sure to check your credit reports for accuracy and signs of fraud – you’re entitled to one free report per year from each of the three credit bureaus
Step 6: Protect your score Once you’ve achieved a higher credit score, be sure to protect it by following these simple steps: * Always pay on time – late or missed payments will cost you dearly * Try to keep your credit usage below 30% of your available credit * If you apply for a store card to increase your credit then immediately put in the freezer (literally if you have to) and avoid spending * Be sure to check your credit reports for accuracy and signs of fraud – you’re entitled to one free report per year from each of the three credit bureaus
Inside the Wallet of Someone With Bad Credit 😬🙈 On the other end of the score range — those of you with the lowest possible scores, 450 and below — you have an average debt-to-limit ratio of 94%, which is very high and very poor. Your average total balance is $2,653 and an average total credit limit of $2,816. When you divide $2,653 by $2,816 you get 94%. Ninety-four percent is simply too high and a significant reason why your scores are so low. This is not where you want to be!

It is important to point out that the debt-to-limit ratio is just that, a ratio. It’s all about the relationship between the balance and credit limit, not so much how large or how small your balances are or how large or how small your credit limits are. In fact, the people whose scores are the very lowest don’t have that much more average credit card debt than the people with the highest scores — $2,231 for the high scorers and $2,653 for the low scorers.

The significant difference between the two populations is in the credit limits. The folks with the highest scores have the largest total credit limit, $46,735 as compared to $2,816 for the people with the lowest scores.

You can see just how problematic it is to have lower limits as it makes even modest credit card balances very problematic for your credit scores as they take up a considerable portion of your available credit. You get too close to maxing out your available credit too quickly.
Inside the Wallet of Someone With Bad Credit 😬🙈 On the other end of the score range — those of you with the lowest possible scores, 450 and below — you have an average debt-to-limit ratio of 94%, which is very high and very poor. Your average total balance is $2,653 and an average total credit limit of $2,816. When you divide $2,653 by $2,816 you get 94%. Ninety-four percent is simply too high and a significant reason why your scores are so low. This is not where you want to be! It is important to point out that the debt-to-limit ratio is just that, a ratio. It’s all about the relationship between the balance and credit limit, not so much how large or how small your balances are or how large or how small your credit limits are. In fact, the people whose scores are the very lowest don’t have that much more average credit card debt than the people with the highest scores — $2,231 for the high scorers and $2,653 for the low scorers. The significant difference between the two populations is in the credit limits. The folks with the highest scores have the largest total credit limit, $46,735 as compared to $2,816 for the people with the lowest scores. You can see just how problematic it is to have lower limits as it makes even modest credit card balances very problematic for your credit scores as they take up a considerable portion of your available credit. You get too close to maxing out your available credit too quickly.
As you can see from the chart above, those of you with VantageScore credit scores over 800 have an average debt-to-limit ratio of just 5%. The math it took to get to 5% looks something like this: you have an average total balance of $2,231 and an average total credit limit of $46,735. When you divide $2,231 by $46,735 you get 5% — 5% is a fantastic debt-to-limit ratio. This is where you want to be!
As you can see from the chart above, those of you with VantageScore credit scores over 800 have an average debt-to-limit ratio of just 5%. The math it took to get to 5% looks something like this: you have an average total balance of $2,231 and an average total credit limit of $46,735. When you divide $2,231 by $46,735 you get 5% — 5% is a fantastic debt-to-limit ratio. This is where you want to be!
The Power of the Utilization Rate🤓

One of the most influential metrics in credit scoring is called “revolving utilization.” This metric, informally referred to as the debt-to-limit ratio, calculates just how leveraged your credit cards are at any given time by comparing your balances to your credit limits. According to VantageScore, and using data provided by the three credit reporting agencies, people with credit scores above 800 have an average debt-to-limit ratio of just 5%. To calculate the debt-to-limit ratio you must do a little math. The first thing you’ll do is add up the balances on all of your credit cards, which includes retail store and gas credit cards. Now add up the credit limits of those same cards and any other unused credit cards. Now you’re ready to do the math. Divide the total credit card balance by the total credit limit, and then multiple that number by 100 and you’ll get your percentage.

NOTE: Do NOT include any balances or original loan amounts from installment loans like mortgages, student loans, or auto loans. Revolving utilization is only calculated from your revolving credit card accounts.
The Power of the Utilization Rate🤓 One of the most influential metrics in credit scoring is called “revolving utilization.” This metric, informally referred to as the debt-to-limit ratio, calculates just how leveraged your credit cards are at any given time by comparing your balances to your credit limits. According to VantageScore, and using data provided by the three credit reporting agencies, people with credit scores above 800 have an average debt-to-limit ratio of just 5%. To calculate the debt-to-limit ratio you must do a little math. The first thing you’ll do is add up the balances on all of your credit cards, which includes retail store and gas credit cards. Now add up the credit limits of those same cards and any other unused credit cards. Now you’re ready to do the math. Divide the total credit card balance by the total credit limit, and then multiple that number by 100 and you’ll get your percentage. NOTE: Do NOT include any balances or original loan amounts from installment loans like mortgages, student loans, or auto loans. Revolving utilization is only calculated from your revolving credit card accounts.
If you want the highest score, you need to make sure you haven’t missed any payments in the past and don’t have any public records, collection items or judgments. However, what this data shows is that even if you have a perfect payment history, low utilization is critical to get the highest score.
If you want the highest score, you need to make sure you haven’t missed any payments in the past and don’t have any public records, collection items or judgments. However, what this data shows is that even if you have a perfect payment history, low utilization is critical to get the highest score.
VantageScore Solutions will be launching a new Scoring model by fall of 2017. The new Scoring Model VentageScore 4.0 will exclude public records information - judgments and tax liens. Medical Bills in collection will report six months after it has passed. That’s because there is often confusion as to whether the consumer or insurer is responsible for the payment.
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This new VentageScore 4.0 will also help consumers with thin credit file.
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This new score model will still conduct as the old credit Scoring models. Make sure you still make your payments on time, keep your credit card balances down and watch for your credit utilization.
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The good thing about all this is that even if there is dozens of score models we will continue to have Financial Responsibilities. Stay tuned for more details on this new Scoring model VentageScore 4.0. #creditadvancedservices #improvingoverallcredit
VantageScore Solutions will be launching a new Scoring model by fall of 2017. The new Scoring Model VentageScore 4.0 will exclude public records information - judgments and tax liens. Medical Bills in collection will report six months after it has passed. That’s because there is often confusion as to whether the consumer or insurer is responsible for the payment. __ This new VentageScore 4.0 will also help consumers with thin credit file. _ This new score model will still conduct as the old credit Scoring models. Make sure you still make your payments on time, keep your credit card balances down and watch for your credit utilization. __ The good thing about all this is that even if there is dozens of score models we will continue to have Financial Responsibilities. Stay tuned for more details on this new Scoring model VentageScore 4.0. #creditadvancedservices  #improvingoverallcredit 
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🔸Make your payments on time.
🔹Have good credit.
🔸Repeat (monitor) your credit report.
🔹Dispute any inaccuracies offs your credit report
- AND -
🔸WIN - with great credit scores!! 🏁📈😄🎉🍾
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#improvingoverallcredit #creditadvancedservices #jessfixmycredit
Don't be scared just get your Credit Repaired. Contact us today to speak to an agent about a free no obligation credit repair analysis. #nomorecrying #repairingcredit #savethetears #theexperts #spring #nomorelowscores
Your credit report is more important than your credit scores.
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Yes! Your scores are important. They are also part of a lenders decision, however your credit report is what makes YOU! 
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Is what's reporting that makes you eligible or qualify for that financial purchase. 
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Most importantly what lenders look at is how responsible you really are with your debts. Are your debts being paid on time? Are you using your credit utilization wisely? How do you make your payments? And last they look at is your scores.
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Where do you stand right now with your credit scores??
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I always recommend my clients to always monitor their credit report. You're credit is what makes YOU. Your scores are just a reflection of you! 
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Have a fantastic day! 😊 #creditadvancedservices #improvingoverallcredit #jessfixmycredit
Your credit report is more important than your credit scores. _ Yes! Your scores are important. They are also part of a lenders decision, however your credit report is what makes YOU! _ Is what's reporting that makes you eligible or qualify for that financial purchase. _ Most importantly what lenders look at is how responsible you really are with your debts. Are your debts being paid on time? Are you using your credit utilization wisely? How do you make your payments? And last they look at is your scores. _ Where do you stand right now with your credit scores?? _ I always recommend my clients to always monitor their credit report. You're credit is what makes YOU. Your scores are just a reflection of you! _ Have a fantastic day! 😊 #creditadvancedservices  #improvingoverallcredit  #jessfixmycredit 
Fully booked! Being popular comes after you've done your part. 🍾😊
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Good Morning people. It's Friday!! Yayyy! 😄 #makeitagreatday
Fully booked! Being popular comes after you've done your part. 🍾😊 _ Good Morning people. It's Friday!! Yayyy! 😄 #makeitagreatday 
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Me: Financially Free, In my own house, married, continue being a badass (🙊)CEO and loving God even more 🙌💯 #goals #humble #ceo #bosslady #happiness #blessing
Break the bad habits and have better credit! YAY!!! 😊 #kickbadcredit #gaingoodcredit

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Our 6 mos program will keep you on track and help you reach your credit goal!! Join today!! Click on the link in my bio and send me an e-mail. 😊 #creditrestoration
Break the bad habits and have better credit! YAY!!! 😊 #kickbadcredit  #gaingoodcredit  _ Our 6 mos program will keep you on track and help you reach your credit goal!! Join today!! Click on the link in my bio and send me an e-mail. 😊 #creditrestoration 
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Debt collectors love income tax season! They know you'll have extra cash on you, making big purchases, and it will be on your conscious to pay old debts!

You'll notice an increase in debt collection calls and debt collection settlement letters flooding your mailbox!

Be on the lookout and educate yourselves on what debt collectors can and cannot do!!! Think twice before paying a debt collection agency. Know your rights!! Need help: Get the Luxurious Credit Guide at 👇🏽👇🏽👇🏽👇🏽👇🏽👇🏽👇🏽
www.LuxuriousCredit.com!!
#Repost  @luxuriouscredit ・・・ Debt collectors love income tax season! They know you'll have extra cash on you, making big purchases, and it will be on your conscious to pay old debts! You'll notice an increase in debt collection calls and debt collection settlement letters flooding your mailbox! Be on the lookout and educate yourselves on what debt collectors can and cannot do!!! Think twice before paying a debt collection agency. Know your rights!! Need help: Get the Luxurious Credit Guide at 👇🏽👇🏽👇🏽👇🏽👇🏽👇🏽👇🏽 www.LuxuriousCredit.com!!