Unlock YOUR Credit

09/29/2024

🌟 Are You Ready to Take Control of Your Financial Future? 🌟

If you've been feeling overwhelmed by financial challenges or unsure of where to start, our services may be just what you need! At AM Financial Service, we're here to help guide you through improving your credit and building a more stable future.

📝 Find Out If You Qualify for Our Services! 📝

Take the first step toward financial freedom today by filling out our quick Client Intake Form. It only takes a few minutes, and it could be the start of your journey to a better financial future. We'll assess your situation and determine how we can help you achieve your goals.

👉 Click the link below to see if you qualify: https://www.jotform.com/form/242718228292157

Remember, the road to financial wellness starts with a single step. Let us help you take it! 💪💰

Please click the link to complete this form.

02/28/2024

🔍 Debunking Debt Collector Myths! 🔍

Hey there, savvy consumers! 💡

Are you hesitant to engage with debt collectors because of common myths circulating about their practices? Let's bust those myths together! 💥 Join the conversation in the comments below and discover the truth behind these misconceptions. Knowledge is power! 💪

🚫 Myth #1: Debt collectors can throw you in jail for unpaid debts.
👉 Reality: While debt collectors can pursue legal action, debtors cannot be jailed for unpaid debts in most cases. Understanding your rights is key!

📞 Myth #2: Debt collectors can harass you endlessly with calls and threats.
👉 Reality: The Fair Debt Collection Practices Act (FDCPA) sets clear boundaries on collection tactics, protecting consumers from harassment. Know your rights and stand your ground!

💰 Myth #3: Ignoring debt collectors will make them go away.
👉 Reality: Ignoring the issue won't solve it. Communicating with debt collectors and understanding your options is the first step towards resolving the situation.

💡 Myth #4: Debt collectors can seize your property without warning.
👉 Reality: Debt collectors must follow legal procedures before seizing any assets. Being informed about your rights can help you protect your belongings.

🤔 Have you encountered other myths or misconceptions about debt collectors? Share your experiences and questions in the comments below! Let's empower each other with knowledge. 💬

Remember, knowledge is your best defense when dealing with debt collectors. Stay informed, stay empowered! 💼✨



AM Financial Service

11/24/2022

Biz Credit Basics

Structure your business correctly. This doesn’t just mean registering your business, it’s so much more!

1. Get an EIN from www.irs.gov. Do not pay anyone for this, as it takes 5 minutes and it’s free.

2. Get a virtual address if you do not want to use your own address. I use Opus (http://www.opusvirtualoffices.com/ida/idevaffiliate.php?id=1540), There are others, these are often about $9.99 a month and gives your business a professional look.

3. Get a phone number dedicated to your business. There are plenty of apps you can use that will ring to your personal phone as well. Most virtual offices have phone lines and faxes as add ons too. (Opus)

4. Register with your local Secretary of State for you entity (LLC, S-Corp, C-Corp) whichever one you chose. Research if your state allows you to be your own registered agent. If not, you will need to find one for your application. You will also need to search www.naics.com to see which code your business is classified under. You will need to put this on your application with your state.

5. Register your business with 411, Google, Yelp, etc. Some business credit lenders will look to see if you are listed.

6. Have a professional website. I use www.shopify.com and the app I have tells me anytime someone views my site.

✔️Apply for a D-U-N-S number. This is free. www.dnb.com

✔️ Freeze your credit reports with Transunion, Equifax, Experian.

✔️ Open a business bank account. I personally like to build a personal relationship with my bank.

✔️ Sign up for Nav https://nav.nkwcmr.net/c/3036262/901704/2410 to monitor your credit scores. The free one only tells you a letter grade, when you pay monthly they report to your credit and give you an actual number and you can view the account reporting. I recommend this. The lowest option is $29.99/ Month

✔️ Start applying for business credit by Tiers. I will provide some companies below.

💲Tier 1- Uline, Summa Office Supplies, Quill, Reliable Office Supplies, Grainger, Gopromo, Strategic Network, HD Supply, Supplyworks, Blueribbon Webhosting, Sunbelt, Amazon Lay By Invoice

💲Tier 2- FleetCorp, Valero, BP, Chevron (Gas Cards), Advance Auto Parts, and Cell Phone Business Lines

💲 Tier 3- Sears, Best Buy, Northern Tool, Most Citi backed store cards except Home Depot

💲 Tier 4- Apple Lease, IKEA, Sunbelt Rentals, Home Depot (Net 30)

💲 Tier 5- Lowe’s Revolving Net 30, Amazon Net 30, Macy’s, Wright Express

💲 Tier 6- Walmart, Sam’s Club Store Card (only apply in store), Target

💲 Tier 7- Dell, Bill Me Later, Sam’s Discover

💲 Tier 8- Ford Motor Credit or Ally Financial ( Make sure you have at least 8-12 trade lines reporting on Nav AND business bank statements for at least 3 months to show you can afford the vehicle. You can get a whole car without them even looking at your personal credit.

Pricing Get the power, control, and data you need to chart your business's financial future.

11/07/2022

All I see on my timeline is get a LLC & EIN then you can get business credit.

No... who ever is telling you that is steering you WRONG!

1) Business Plan
2) Business license
3) LLC or S-CORP
4) EIN
5) DUNS #
6) A real business address
7) Business checking account, personal will not work.
8 ) Register your business phone number with 411, Google, yellow pages, YELP... do something besides having an IG and FB
9) Open 4 Net30 accounts. This will generate your PayDex score.

THIS IS VERY IMPORTANT!!!
A PayDex score ranges from 0-100.

If you want a 100 on your PayDex, You pay your bills 2 weeks in advance.

If you want an 80 on your PayDex, then you pay your bills on the due date.

After having your Net30 accounts for 90 days, call each vendor and ask for a revolving Line of credit.

Stay away from those “millionaires” who just wanna sell you what I just told you FOR FREE. 💃🏻

11/06/2022

All I see on my timeline is get a LLC & EIN then you can get business credit.

No... who ever is telling you that is steering you WRONG!

1) Business Plan
2) Business license
3) LLC or S-CORP
4) EIN
5) DUNS #
6) A real business address
7) Business checking account, personal will not work.
8 ) Register your business phone number with 411, Google, yellow pages, YELP... do something besides having an IG and FB
9) Open 4 Net30 accounts. This will generate your PayDex score.

THIS IS VERY IMPORTANT!!!
A PayDex score ranges from 0-100.

If you want a 100 on your PayDex, You pay your bills 2 weeks in advance.

If you want an 80 on your PayDex, then you pay your bills on the due date.

After having your Net30 accounts for 90 days, call each vendor and ask for a revolving Line of credit.

Stay away from those “millionaires” who just wanna sell you what I just told you FOR FREE. 💃🏻

Send a message to learn more

11/02/2022

Tips

Get your credit reports and highlight every “bad item”

Bad items:
-Charge offs
-Accounts with late payments
-Addresses that’s not current
-Medical & regular collections
-Public Records
-Liens
-Inquiries

2. Figure out highlighted item needs to be addressed on which letter
Example:
Step 1 - Personal information
Step 2 - Inquries
Step 3 - Late/Missed Payments
Step 4 - Collections/Charge offs/ public records etc (any account you want removed completely)

3. Send certified mail (recommended) or fax

4. PATIENCE‼️

10/31/2022

Now this what scares me 😂

10/30/2022

Educate yourself because the systems won’t !!

10/13/2022

Credit tip:

You do not have to put a down payment on ANY car 🚗
IDC if it’s a maybach or a tesla !!
The bank doesn’t require down payments for loans . Keep that money in your pocket or they will.

… but y’all not ready for this conversation 🤭 I’ll show and teach y’all real soon 🤫

10/11/2022

Credit tip:

STOP paying these collections company 🛑

I promise they have violated you so much as a consumer from the first letter they sent you to the reporting of the account that they will be paying you $1000 per violation 🤑 you just gotta read and understand who you are as a consumer and the FCRA AND FDCPA will be your best friend and you can run up a 💰

10/11/2022

You’ve got to start thinking like you're blessed, talking like you're blessed and acting like you're blessed. That's how your blessings get activated 🚘🏡💰✈️🌏🙌🏽

10/10/2022

Hey y’all 🗣️

1. Have you thought about starting a business but don’t know what kind?

2. Are you stuck on how to legally structure and form your current business or even a new one?

3. Do you wanna work for yourself and not anyone else but need that push and guidance?

If you answered YES to any of these questions then PERFECT I CAN HELP. I started my first boutiques business during the pandemic and was very successful but never fully went through with it all the way because 1. I was in a bad accident and 2. I didn’t have the knowledge of what to do to make it official and maintain it and became overwhelmed and gave up. Fast forward 2 years later I have started my own credit repair company ( Credit Unlocked will be launching by end of this month), I have a class teaching you how to understand and fix your own credit, have eBooks on how you fix your credit (DIY) and start your own credit repair business. Because of my previous boutique business I have over 500 vendors that sell anything from hair, clothes, shoes, bags, creating your own skin or hair care brand, hair tools and products, lashes, make up and more 🤯 I am selling my vendors list to help you jumpstart your business even if you don’t know what you wanna do you have a range of options to choose from so there is NO EXCUSE !

This Vendors list will be on sale for $25 (normal price $50) I have done all the research and networking for you to ensure these vendors are no scammers and legit. Now it’s up to you to stop procrastinating and STOP just waking up but BOSS UP 💰💪🏾

Also you can purchase my eBook “Structuring Your Business” guide for $10 to show you how to legally structure your business to get you up and running the right way then once that’s done you can purchase my “Building Business Credit” guide for $10 to lead you down the right path to getting your business funded using OPM (other people’s money) 🥳 YOUR ONE STOP SHOP FOR ALL YOUR BUSINESS NEEDS IN ONE PLACE 💼📈

Click the link below to purchase:

Hey ! I'm Andrea and I am a entrepreneur of many talents. I fix credit as well as teach you how to do it yourself. I also sell clothing, shoes and accessories as well as provide my vendors list to help others start their own business. I teach you how...