RoscaGroup250k

07/21/2024

WHAT'S IN YOUR CUP?
You are holding a cup of coffee when someone comes along and bumps into you or shakes your arm, making you spill your coffee everywhere.
Why did you spill the coffee?
"Because someone bumped into me!!!"
Wrong answer.
You spilled the coffee because there was coffee in your cup.
Had there been tea in the cup, you would have spilled tea.
Whatever is inside the cup is what will spill out.
Therefore, when life comes along and shakes you (which WILL happen), whatever is inside you will come out. It's easy to fake it, until you get rattled.
So we have to ask ourselves... “what's in my cup?"
When life gets tough, what spills over?
Joy, gratitude, peace and humility?
Anger, bitterness, victim mentality and quitting tendencies?
Life provides the cup, YOU choose how to fill it.
Today let's work towards filling our cups with the PURPOSE we are CALLED to do and the GREATNESS we are CALLED to BE and act with gratitude, forgiveness, joy, words of affirmation, wisdom, principles, intentionally, resilience, kindness, and love and care for others.

03/06/2024

Here’s a super easy CREDIT REPAIR HACK that anyone can and should do.

Go grab a copy of your credit report here (Free):

www.annualcreditreport.com

Then, make sure the Personal Information section on your credit report ONLY has:

-1 Name
-1 Address
-1 Social Security Number
-1 DOB
-No Employer Name

If you have more than one address (old addresses etc.) on your report, you’re going to call each credit bureau (Experian, TransUnion, and Equifax) and say this:

“Hi, I’m trying to clean up the personal information on my credit file and I see there is a non-mailable address on my report. I don’t have access to that address, and nothing can get mailed to it, so I need it removed.”

When you’re trying to clean your credit, your personal information is where it starts.

Recap:

Step 1
Get a copy of your credit report (Free): annualcreditreport.com

Step 2
Make sure your Personal Information is up-to-date and accurate. If not, proceed to Step 3.

Step 3
Call the credit bureaus and have them remove any inaccurate Personal Information. . . .

Let me know how it goes.

ACR Home Page

03/06/2024

This is a gem for Credit Builders. This will be a good way to build your personal credit !
Top 5 Primary Trade lines To Put On Credit Report
1. Credit Strong - Reports To All 3
2. Kovo - Reports To All 3
3. Meet Ava- Reports To All 3
4. Loqbox- Reports To All 3
5. Kikoff- Equifax & Experian
All Will Report A $2500 Dollar Line Of Credit To Your Report For $20 Dollars A Month
So If You Get All 5, For $100 Dollars A Month That Will Have $10,000 Dollars Worth Of Trade Lines Reporting Every Month Which Will Super Boost Those Scores 👍🏿😯😎
🚨🚨🚨Then go get a car from carmax keep it 28-30 days take it back get refund and now you have a paid off car on your credit🚨🚨🚨🚨💥🤯
You can take a full 30 days (up to 1500 miles) to decide if the car you buy is right for your life. As long as the condition is consistent with when you purchased it and you've driven fewer than 1500 miles since your purchase, you can bring it back within 30 days and we'll help you complete your return.

09/08/2023

If a change is going to come it must be today.

08/31/2023

Credit Optimization and Repair special for Labor Day only $50 for the next 20 people. Done for you or coach you through it. Results in 30 to 120 days average. Average 120 to 200 point increase. DM or comment to get started.

08/19/2023

Welcome to the Secret List that the banks would never let you see! Below is a list of lenders and credit bureaus that they pull from based on what we have seen with our clients and our own experience.

Name of Lender / Credit Bureau / Minimum Credit Score Needed (if it’s available)

Amex – Experian
Bank of America - Equifax
Barclaycard Apple Rewards – Experian (720+ $3,500)
BMW Financial Services – Experian
BMW Financial Services – Experian (695+ $50,000 Lease)
Capital One Auto Finance – Experian – Equifax
Capital One Auto Finance – Experian (650+ $30,000 with Proof of Income)
Capital One Bank Credit Cards – Equifax – Transunion
Capital One Venture – Experian – Transunion (650+ $5,000)
Capital One Quick Silver 1 – Experian (600+ $500)
Capital One Venture – Experian (680+ $20,000 with 2 AU’s over $10,000 each)
Car Smart – Transunion
Carmax – Experian – Equifax – Transunion
CBNA Credit Cards – Experian – Equifax
Centric Credit Union Visa – Experian (530+ $500)
Chase Bank – Experian & Equifax
Name of Lender / Credit Bureau / Minimum Credit Score Needed (if it’s available)
Chase – Experian (750+ $10,000)
Chase Amazon Rewards – Experian (750+ $7,000)
Chase Freedom – Experian (750+ $7,000)
Chase Ink Bold – Experian (720+ $15,000)
Chase Sapphire Preferred – Experian (720+ $18,000) Chase

Southwest Plus – Experian (750+ $3,500)
Chase Amazon Rewards – Experian (750+ $7,000) Chase
Freedom – Experian (750+ $7,000)
Chase Ink Bold – Experian (720+ $15,000)
Chase Sapphire Preferred – Experian (720+ $18,000) Chase
Southwest Plus – Experian (750+ $3,500)
Chase United Explorer – Experian (720+ $19,500)
Citibank Best Buy - Equifax
Citi American Airlines Platinum – Experian (720+ $6,500)
Citi Double Cash / Citi Thank You Premier – Experian (720+ $6,800)
Citizen’s Bank (location specific) Equifax
Community First Credit Union – Equifax (region specific)
Community – Transunion or Equifax
Credit Union of Texas – Equifax
Credco Auto Reseller – Experian – Transunion
Chrysler Credit – Transunion – Does Not Re Report to D&B Dell Computers Preferred Account –
Experian (690+ $1,500) Delta Skymiles Gold Amex – Experian (660+ $5,000)
Digital Credit Union DCU Personal Loan – Experian (700+ $26,000)
Digital Credit Union DCU Auto Loan – Experian (700+ $25,000 with Proof of Income)
Direct TV - Equifax
Discover Card – Equifax – Transunion
Name of Lender / Credit Bureau / Minimum Credit Score Needed (if it’s available)
Discover It – Experian (620+ $1,500 - $5,500)
Drive Finance Auto Financing – Experian – Transunion
Elan Financial - Equifax
Fifth Third Bank – Transunion
FIA Amex Fidelity American Express – Experian (740+ $9,000)
Fidelity Amex Investment Rewards – Experian (720+ $12,500)
Fidelity Investment Rewards Visa Signature Card – Experian (750+ $7,500)

FirstBank Credit (FNBO) SavingStar Amex – Experian (650+ $1,000)
FNBO/NRA – Experian (740+ $8,500)
First Choice Bank – Primer Visa – Experian – Equifax – Transunion First
Data Merchant Services – Credit Card Merchant Account Processor
Greater Texas FCU – Experian (620+ $27,000)
Hertz Corporation – Equifax Home
Depot – Experian (650+) HSBC –
Transunion
Jared/Sterling – Experian (600+ $1,500)
JCB Marukai Premium California – Experian (750+ $5,000 with Proof of Income)
JCrew (Comenity) – Experian (600+ $750)
JP Morgan Chase Business – Transunion – Chexsystems JP Morgan Chase Bank – Equifax
Kohls – Experian (560 $300)
Lexus Financial Services – Experian (690+ $90,000 with Lease)
Mercedes Auto – Transunion + Experian + Equifax
Macys – Experian (700+ $1,000)
NASA FCU Platinum Rewards – Experian
NASA Visa Platinum Cash Rewards – Experian (735+ $20,000)
Navy Federal Credit Union – Equifax – Transunion
NFCU GoRewards Visa – Experian (660+ $1,000)
Navy Federal Credit Union – Business – Transunion
Nordstrom – Experian (620+ $1,000)
OneMain Financial – Equifax
Overstock.com Comenity Bank – Experian (640+ $2,200)
PEX Card – Will Start Experian Business File
PNC Bank – Experian
PNC Bank – Experian (750+ $10,000)
Prosper – Experian (640+ $15,000) RBS –

Citizens Bank – Equifax
Red Check – Equifax
Restoration Hardware – Experian (700+ $2,000) Road Loans – Equifax
Sam’s Club -Experian (660+ $700)
SchoolsFirst FCU – Experian (660+ $12,000)
Sprint Nextel – Equifax
Sportsmans Guide Comenity Bank – Experian (680+ $2,500)
SunTrust Bank – Transunion
Stash (Synchrony) - Experian
TD Signature Visa – Experian (700+ $5,000)
Tempur-Pedic – Wells Fargo Financial National Bank – Experian (745+ $5,000)
TD Bank - Experian
T-Mobile – Equifax – Transunion
True Value Comenity Bank – Experian (640 $350)
USAA - Equifax
Verizon Wireless – Equifax – Experian Vystar – Equifax (region specific)
Victoria’s Secret – Experian Wells Fargo Bank – Experian – Chexsysems
Wells Fargo Credit Cards – Equifax

07/29/2023

Interested in a further discussion

The two-time NBA All-Star said he wants to use his platform to inspire Boston's Black community

07/07/2023

White families had a median wealth of $188,200, compared to $24,100 for Black families. The median Black household wealth was forecast to hit zero by 2053 in a 2017 report by Prosperity Now and Institute for Policy Studies. Here is a synopsis to help empower the black community.

06/24/2023

Starting a business is daunting but exponentially more rewarding when done correctly. Check out these tips!

06/21/2023

The ROSCA Group x Fund&Grow offers affordable dependable MONEY BACK GUARANTEED credit help, entity creation and personal and business funding. It's not just credit repair. The ROSCA Group's credit help optimizes your credit profile so you can get the most funding possible.
We focus on profile fulfillment and developing wealth-building mindsets and habits to accomplish the goals, then it's on to Fund&Grow to get up to $250k+ in business credit cards @ 0% interest for up to 25 months. START BEFORE 11:59 PM SUNDAY and bring a 2nd person to get funded at no extra charge. "Cash is King. Credit is Queen and the Queen means business with the ROSCA Group." SO F*CK THE BAG 💰! SECURE THE BANK 🏦 (🏧 💳 )

06/17/2023

A ROSCA, or Rotating Savings and Credit Association, is a traditional financial arrangement that involves a group of individuals coming together to save and borrow money collectively. In a ROSCA, each member contributes a fixed amount of money regularly, and the total pooled amount is then given to one member in each cycle, known as a payout. This rotation continues until every member has received their payout.

Benefits of ROSCA for start-ups, entrepreneurs, real estate investors, black Americans, and minorities:

1. Access to Funding: ROSCAs provide a reliable source of funding for start-ups, entrepreneurs, and real estate investors who may face challenges obtaining loans from traditional financial institutions. Members can access the pooled funds for business capital, property investments, or other financial needs.

2. No Interest Payments: ROSCAs operate without interest charges. Instead, members contribute a fixed amount, and each member receives an equal payout, ensuring fair and interest-free borrowing among the group. This can be advantageous for those who prefer to avoid or have limited access to conventional loans with interest.

3. Financial Inclusion: ROSCAs can be particularly beneficial for black Americans and minorities who may face systemic barriers to accessing formal financial services. ROSCAs provide a means to accumulate capital, build credit, and access funding, promoting economic empowerment and financial inclusion within marginalized communities.

4. Collaborative Support: ROSCAs foster a sense of community and cooperation among members. By pooling resources and rotating payouts, members support each other's financial goals, providing a network of support and guidance for start-ups, entrepreneurs, and real estate investors.

5. Disciplined Saving: ROSCAs encourage disciplined saving habits as members contribute a fixed amount regularly. This can be beneficial for individuals who struggle with saving money independently and need a structured system to build up capital for their ventures.

Advantages of ROSCA for financial growth and economic security:

1. Capital Formation: ROSCAs facilitate the accumulation of capital by providing a regular and predictable source of funds. Members can use these funds to invest in business expansion, real estate ventures, or other wealth-building opportunities, contributing to personal and economic growth.

2. Risk Mitigation: By rotating payouts, ROSCAs distribute the risk among members. Each member has the opportunity to receive a lump sum payout, ensuring that everyone benefits from the collective savings. This shared risk approach provides a safety net for individuals, reducing the impact of potential financial setbacks.

3. Building Credit: Participating in a ROSCA can help individuals establish or improve their credit profiles. Consistent contributions and successful payout rotations demonstrate financial responsibility and can positively impact creditworthiness, opening up access to other financial products and services.

4. Community Empowerment: ROSCAs promote community development and economic empowerment by fostering trust, collaboration, and shared financial goals. These associations strengthen social ties, encourage financial literacy, and provide a platform for collective problem-solving and economic advancement.

It is important to note that while ROSCAs offer numerous benefits, they are typically informal arrangements and may lack legal protections and formal documentation. It is advisable to establish clear rules, terms, and agreements within the group to ensure transparency and minimize potential risks or disputes. Consulting with financial professionals or legal experts can provide additional guidance when forming or participating in a ROSCA.

06/12/2023

In honor of our HUGE Father's day sale Here's a consolidated guide on how to get up to $100k in personal and business funding in 90 days.

1. Obtain Credit Reports: Before applying for any credit, obtain copies of your credit reports from all three major credit bureaus (Equifax, Experian, and TransUnion) to identify errors or negative items that need to be addressed.

2. Bank of America Loan: Apply for Bank of America's loan program, which offers three cards under one LLC and pulls from Experian.

3. Business Credit Cards from Equifax: Apply for business credit cards from Equifax by contacting the following banks:

- Citizens (Regional bank)
- Truist
- Bank of America

4. Personal Loans from Banks that Pull from Equifax:

- DCU (Digital Credit Union)
- SECU Credit Union (Maryland) - allows 2 cards for 1 credit pull in 30 days (2xdip)
- NIH Federal Credit Union (2xdip)
- AOD Credit Union (pulls credit to become a member)
- PENFED
- Orion Federal Credit Union (up to $25k pulls from Equifax for membership, 2xdip)

5. Personal Loans with Poor Credit: Call the following banks and ask for a loan product that doesn't pull from your credit report:

- Andrews Federal Credit Union ($500, 90 days membership)
- Security Plus Federal Credit Union ($1,000)
- Digital Credit Union ($1k after 90 days, $2k after 180 days membership)
- Unify Financial ($500 for 90 days of membership)
- Genisys Federal Credit Union ($1,000)
- Credit Human ($500 for 30 days membership)

6. Credit Building Programs:

- Grain LOC ($1,500 only works with iPhone)
- Sable One Secured Card (up to $10k)
- Academy Bank Visa (unsecures after 11 months)
- LOQBOX Credit builder loan
- TomoCard

By following these steps and being diligent with finances, you can secure funding for your business in 90 days or less. The key is to make consistent progress towards your financial goals and maintain good credit habits.