Thriive Credit

01/11/2023

Some of the best advice.

11/24/2022

Happy Turkey Day. Have a blessed Day Family and Friends.

11/22/2022

11/12/2022

Contact us and we'll get it started❗️

10/31/2022

Our office is closed the week of 10/31-11/7.

10/25/2022

🔥🔥🔥🔥 Let's Goooooo🙌🏾🙌🏾🙌🏾🙌🏾

+225 increase since last month🙌🏾

800 club peeking💃🏾

This client has OFFICIALLY Graduated our Financial Consulting program.

They have met their goals📈

They can walk in a dealership and get WHATEVER they want and with the lowest interest rates and NO 🚫money down.

They will be offered some of the best lending terms and qualify for most loans and lines of credit🔥🔥🔥🔥

I'm so freaking proud of you🥂

Let's buy this house 🏠

08/25/2022

I seen a credit company post that the clients progress is 80% on the company and 20% on the client...

And THAT'S the misconception that a lot of clients have today.

That company didn't help you get into 80% of your credit problems it is not our job to fix 80% of them. Clients have to put in work as well.

Regardless of what the company is able to do, regardless of what deletions they can get, it is ALWAYS the clients job to maintain their credit profile.

A company can get you 100% deletions of negative and derogatory items, but if you carry high utilization and maxing out most of your revolving credit, if you're applying for new credit while in the program, if you're not paying your bills on time,
🗣 YOUR SCORE WILL NOT GROW and that's a fact💯‼️

Be aware of companies that say its 80% their responsibility to help you fix your poor credit. Nah, it's a 50/50 process.

08/25/2022

Like many of us, student loans have been a burden.

Those Student Loans may have been a FINANCIAL and CREDIT pain point especially when purchasing a home.

The DTI (Debt To Income) ratio with student loans being factored in greatly impacts your PRE APPROVAL amounts!

Hopefully, this is a key 🔑 that can help you unlock the door 🚪 to your NEW ADDRESS!!

Here is some helpful information and we hope that You reading this post, that your STUDENT 👩‍🎓 LOANS ARE FORGIVEN!!!

& IF you need to credit help that you contact us.

08/17/2022

📶Here are some other things to consider when trying to repair
your credit:📶
• Pay down your credit cards. Paying off your installment loans
(mortgage, auto, student, etc.) can help your score, but typically
not as dramatically as paying down -- or paying off -- revolving
accounts like credit cards.
The credit-scoring formulas like to see a nice, big gap between
the amount of credit you're using and your available credit
limits. Getting your balances below 30% of the credit limit on
each card can really help.

While most debt gurus recommend paying off the highest rate
card first, a better strategy here is to pay down the cards that
are closest to their limits.
• Use your cards lightly. Racking up big balances can hurt your
score, regardless of whether you pay your bill in full each month.
What's typically reported to the credit bureaus, and thus
calculated into your score, is the balance reported on your last
statement. That doesn't mean paying off your balances each
month isn't financially smart -- it is -- just that the credit score
doesn't care.

You typically can increase your score by limiting your charges to
30% or less of a card's limit. If you're having trouble keeping
track, consider using a check register to track your spending,
logging into your account frequently at the issuer's Web site, or
using personal finance software like Microsoft Money or Quicken,
which can download your transactions and balances
automatically.

08/16/2022

When you’re starting fresh with no credit history at all, here are
a few ways to get a good start on establishing good credit:

1. Pay your bills on time, especially mortgage or rent payments.
Apart from extreme circumstances like bankruptcy or tax liens,
nothing has as big of an impact on your credit history as late
payments.

2. Establish credit early. Having clean, active charge accounts
established many years ago will boost your score. If you are
averse to credit, on principle, consider setting up automatic
monthly payments for, say, utilities and phone on a credit card
account and locking the card away where it's not a temptation.

3. Don't max out available credit on credit card accounts.
Lenders won't be impressed. Instead, they are much more likely
to assume that you have trouble managing your finances.
Beyond one or two credit cards, it starts to get complicated.

4. Don't apply for too much credit in a short amount of time.
Multiple requests for your credit history (not including requests
by you to check your file) will reduce your score. If you are
hunting around for good loan rates, assume that every time you
give your Social Security number to a lender or credit card
company, they will order a credit history.

5. Be neat and consistent when filling out credit
applications. This will ensure that all your good deeds get
recorded in a single file, as opposed to multiple files or, worse,
someone else's file. Watch out for inconsistencies in use of "Jr."
and "Sr."

6. Check your credit history for errors, especially if you will
soon be requesting a time-dependent loan, like a mortgage.

08/12/2022

S/O to this client well on their way to 750 Club🙌🏾

Equifax 🔥
Experian 🔥

With a Credit score of 750 you can do all of the following

1️⃣Expect no to low interest rates
2️⃣ Get approved for most credit lines with large limits
3️⃣Apartment Approvals
4️⃣No down payments on new vehicles

*Your overall credit profile still plays a part in all of the Above. Keeping utilization low, no derogatory remarks or high inquiries will keep you on the right track📈📈📈

you ready

08/10/2022

Do you struggle with budgeting or are you a pro?

Let us know!