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  • newman_financial
    Credit Literacy Coach
    @newman_financial

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Newman Financial Solutions is definitely the GOAT 💪🏾💜
Newman Financial Solutions is definitely the GOAT 💪🏾💜
Well, if you already have bad credit, getting a secured credit card is most often the first step to rebuilding a positive credit history.  It requires that you place a cash security deposit on the account as collateral. Your credit limit is then based on that cash collateral. If your deposit is $200 then you have a $200 limit. The goal of this is to establish a positive payment history so that you become eligible for an unsecured card. You do this by spending minimally and paying on time. You'll then begin to see your credit score improve.
Well, if you already have bad credit, getting a secured credit card is most often the first step to rebuilding a positive credit history. It requires that you place a cash security deposit on the account as collateral. Your credit limit is then based on that cash collateral. If your deposit is $200 then you have a $200 limit. The goal of this is to establish a positive payment history so that you become eligible for an unsecured card. You do this by spending minimally and paying on time. You'll then begin to see your credit score improve.
This is what it's all about. 💗
This is what it's all about. 💗
Cash is NOT always king!! An improved credit score is not just about getting approved for credit cards, it's about a lifestyle!  The freedom to pay cash, charge, choose your lender, and agree to financing on YOUR terms. Bad credit is a waste of money, no matter how you look at it.  At some point, it's going to cost you either in your pockets or your comfort. Repairing it is a much cheaper bill in the long run. So what are you waiting on ?

50$ enrollment ALL WEEK SPOTS ARE LIMITED!!!!
Cash is NOT always king!! An improved credit score is not just about getting approved for credit cards, it's about a lifestyle! The freedom to pay cash, charge, choose your lender, and agree to financing on YOUR terms. Bad credit is a waste of money, no matter how you look at it. At some point, it's going to cost you either in your pockets or your comfort. Repairing it is a much cheaper bill in the long run. So what are you waiting on ? 50$ enrollment ALL WEEK SPOTS ARE LIMITED!!!!
Real clients, real results in 30 days. More work to do, but we are off to a great start. 🗣
Real clients, real results in 30 days. More work to do, but we are off to a great start. 🗣
One Week Special ONLY 50$ Credit Repair Enrollment!! You must use the link to schedule a consultation !! MY consultations are 10$ so that will come off your 50$ enrollment fee . 
P.S !! I NEVER do sales so please take advantage it might be another 3 years from now literally 🗣🎤 ! 
Would you miss an episode of POWER ? NO .. so don’t miss this bomb sale !!!! www.newmanfinancialsolutions.com 💜
One Week Special ONLY 50$ Credit Repair Enrollment!! You must use the link to schedule a consultation !! MY consultations are 10$ so that will come off your 50$ enrollment fee . P.S !! I NEVER do sales so please take advantage it might be another 3 years from now literally 🗣🎤 ! Would you miss an episode of POWER ? NO .. so don’t miss this bomb sale !!!! www.newmanfinancialsolutions.com 💜
Bad credit ruins lives. This is one of the most shocking but REAL statements you might read in a while. The difference between living life and struggling to survive is based completely on credit score and history. CREDIT IS LIFE 🙌🏾
Bad credit ruins lives. This is one of the most shocking but REAL statements you might read in a while. The difference between living life and struggling to survive is based completely on credit score and history. CREDIT IS LIFE 🙌🏾
So, you have an account on your credit report and you want it off.  Obviously, the first option is to pay it off. You think that surely that will undo the damage it did to your credit score. WRONG. While paying of this debt clears your balance, it does not help your credit score at all.  It will only update the balance as “PAID”. That’s it. Yep. That’s all it does.  So, if you really want to undo the damage, you must have it DELETED from your credit report. Confused? Click the link in the bio to schedule a consultation ☝️💜
So, you have an account on your credit report and you want it off. Obviously, the first option is to pay it off. You think that surely that will undo the damage it did to your credit score. WRONG. While paying of this debt clears your balance, it does not help your credit score at all. It will only update the balance as “PAID”. That’s it. Yep. That’s all it does. So, if you really want to undo the damage, you must have it DELETED from your credit report. Confused? Click the link in the bio to schedule a consultation ☝️💜
Sometimes a 30 day late that's reported on your credit report may not be a 'true' 30 day late.The clock starts from the due date not the bill date. If you have a 30 day late reporting and you were only 27 that is inaccurate reporting and can be challenged.
Sometimes a 30 day late that's reported on your credit report may not be a 'true' 30 day late.The clock starts from the due date not the bill date. If you have a 30 day late reporting and you were only 27 that is inaccurate reporting and can be challenged.
She asked for results and we delivered 💜🙌🏼 Book your free consultation today link 👆🏾
She asked for results and we delivered 💜🙌🏼 Book your free consultation today link 👆🏾
💢Understanding Credit💢

Age of Credit History makes up a total of 87 points of a perfect 850 score.

If you haven't started building history, you're missing out. 
If you have student loans, mortgage, credit cards, etc and it's reporting on your credit it will show when the account was originated and that begins history whether it's good or bad.

I get clients that want to remove their student loans specifically for the reasons that it's reporting late payments. When I successfully remove that account with the negative blemish that client easily you lose major points especially if the student loans were the oldest account. You have to be careful what you dispute off of your credit because it can hurt you .
💢Understanding Credit💢 Age of Credit History makes up a total of 87 points of a perfect 850 score. If you haven't started building history, you're missing out. If you have student loans, mortgage, credit cards, etc and it's reporting on your credit it will show when the account was originated and that begins history whether it's good or bad. I get clients that want to remove their student loans specifically for the reasons that it's reporting late payments. When I successfully remove that account with the negative blemish that client easily you lose major points especially if the student loans were the oldest account. You have to be careful what you dispute off of your credit because it can hurt you .
We help educate others establish, build, repair and utilize their personal credit in a manner that is helpful to them. We do more than most conventional Credit Consultation Services because we understand that without proper education it can be intimidating. Schedule your appointment for a free consultation link is in the bio ☝️💜
We help educate others establish, build, repair and utilize their personal credit in a manner that is helpful to them. We do more than most conventional Credit Consultation Services because we understand that without proper education it can be intimidating. Schedule your appointment for a free consultation link is in the bio ☝️💜
🚨 Client Testimonial 🚨  It doesn't matter how late you start working on your credit. The important thing is to just get started.  Because we all know, late is better than never.
🚨 Client Testimonial 🚨 It doesn't matter how late you start working on your credit. The important thing is to just get started. Because we all know, late is better than never.
Friends don't let friends have bad credit ! You can't be in my circle with bad credit period !! Let me see your credit score ☝️💜
Friends don't let friends have bad credit ! You can't be in my circle with bad credit period !! Let me see your credit score ☝️💜
Your credit destiny will look nothing like its history once you begin to repair it. All it takes is a willingness to take action and just get started. It's that simple . We all deserve Good credit
Your credit destiny will look nothing like its history once you begin to repair it. All it takes is a willingness to take action and just get started. It's that simple . We all deserve Good credit
The Ying & Yang of good credit is an absence of negative data and a presence of positive data. For example, if you have a goal to lose weight, no matter how many days you spend at the gym, eating fast food twice daily will not help meet your goals. 
Same goes for building credit. Lenders need to see a positive track record of how great you are at paying back borrowed money on time.  This means you must use your credit! Cash is not always king! You can do this by minimally using your credit cards or financing a purchase instead of paying cash.  There’s a fine balance and art to this. You don’t want to open up too much too fast, and you want to apply for things that you know you will get approved for. As time goes on, you will see your credit grow.
The Ying & Yang of good credit is an absence of negative data and a presence of positive data. For example, if you have a goal to lose weight, no matter how many days you spend at the gym, eating fast food twice daily will not help meet your goals. Same goes for building credit. Lenders need to see a positive track record of how great you are at paying back borrowed money on time. This means you must use your credit! Cash is not always king! You can do this by minimally using your credit cards or financing a purchase instead of paying cash. There’s a fine balance and art to this. You don’t want to open up too much too fast, and you want to apply for things that you know you will get approved for. As time goes on, you will see your credit grow.