The Credit Steward

08/30/2023

Don’t be ashamed about certain chapters in your life!They were necessary💯

05/10/2023

Here are some steps to rebuild your credit:

1. Check your credit report: The first step in rebuilding your credit is to know where you stand. Check your credit report to see any errors or negative marks that you can dispute or work on.

2. Create a budget: Establish a budget and stick to it. Make sure you're spending less than you earn and allocate funds to pay off debts.

3. Pay bills on time: Late payments can hurt your credit score. Make sure you pay your bills on time, every time.

4. Pay off debts: Focus on paying off your debts, starting with the ones with the highest interest rates.

5. Avoid new debt: Avoid taking on new debts while you're trying to rebuild your credit. If you need to use credit, make sure you can pay it off in full each month.

6. Use secured credit cards: Consider using a secured credit card, which requires a deposit. This can help you rebuild your credit by making on-time payments and staying under your credit limit.

7. Monitor your credit score: Keep an eye on your credit score and track your progress. There are many free tools available that can help you monitor your credit score.

Remember, rebuilding your credit takes time and effort. Stick to your plan and stay committed, and you'll see your credit score start to rise.

01/16/2023

Real People, Real Results‼️
Due to a lack of credit education, this client was accustomed to making down payments on a vehicle. She began with a very low credit score. She now has a credit score of over 700.
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12/09/2022

1. Paying a collection WILL NOT remove it from your report. (Paying for a deletion is rare but can happen in some cases)
2. Paying a collection WILL NOT raise your credit score. (At best it will say “paid collection” and that doesn’t help you because it’s still a COLLECTION)

90% of the time they will not take you to court because that costs money and time. Most collection accounts/debts are not worth that investment or effort 💯
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For most of you it will cost them more to take you to court than debt owed
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You don’t really owe them.. but that’s a different post 💯
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SAVE YOURSELF SOME MONEY 💴 BE PATIENT AND WORK UNTIL ITS DELETED
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Collections can stay on your credit for 7+ years if not disputed
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It can come off in as little as 30 days if you dispute it.
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Even if it took 6 months of writing the credit bureaus before it comes off...
That’s still better than 7 years
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So be patient, consistent, and WORK! 🔥
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12/09/2022

What you invest in should be somewhat personal, but not emotional.

12/09/2022

+149 Point Increase 📈

This client is almost ready to buy a home 🏡
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12/09/2022

When financing a home, consider the variations in interest rates.👇🏾

When financing ANYTHING, GOOD credit is important!

Along with inflation, interest rates are climbing daily.

Invest in your credit first to avoid being tied into a high interest rate that will ultimately cost you more money.

10/24/2022

Real Clients/ Real Results
Client has really reach the 700 club. It took dedication and hard work for this client to reach this plateau. Now, the next goal is 750…
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05/18/2020

This Pandemic Proves Promotion comes from GOD not your Job 🙏🏽🙌🏽👑

05/13/2020

08/22/2019

Being in debt, struggling and living paycheck to paycheck is not your purpose ✌️✈️💰We are meant to do more in Life. Stop allowing someone else to determine your future. The whole World 🌎 is in your Hands 🤚
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08/22/2019

Being in debt, struggling and living paycheck to paycheck is not your purpose ✌️✈️💰