Greenwood Financial Solutions

11/27/2025

Happy Thanksgiving from our Family to Yours

11/27/2025

Gratitude
changes the lens through which we see the world.
Wishing you and yours a Happy Thanksgiving

11/11/2025

07/04/2025

Don’t wait for the new year to start your resolution. Start the weekend with new credit. We’ve got you

05/26/2025

Thanks for all that gave. 🙏🏾💙🕊️

05/11/2025

From our Family to Yours…..HAPPY MOTHER’S DAY!!!!

05/05/2025

Happy Cinco De Mayo to our financial family….current & future clients

04/16/2025

Red Flags of Credit Repair Scams

1. They Promise Overnight Results
If someone says they can boost your score by 100 points in 24 hours, run. Building good credit takes time, not magic.
2. They Ask for Upfront Payment
Legit credit repair companies only charge after they’ve done the work. If they’re asking for money upfront, it’s a no-go.
3. They Tell You to Lie
If they suggest shady tactics like creating a fake identity or disputing legit debts, that’s a major red flag.
4. They Guarantee Results
No one can guarantee results because credit repair depends on multiple factors. If it sounds too good to be true, it probably is.
5. They’re Hard to Contact
If their website looks like it was made in 1999 and they don’t have a real phone number, keep scrolling.

04/09/2025

The Credit & Tax Playbook

Issue #1: “Your Credit Score is Playing You—Here’s How to Flip the Script”

👀 Ever felt like your credit score is a toxic ex? Ghosting you when you need it, showing up messy when you don’t?

You’re not alone. Most people think their score is just a random number banks use to judge them, but in reality, it’s a financial cheat code—if you know how to play the game.

The Ugly Truth About Your Credit Score

Your score isn’t just about whether you pay your bills on time. It’s a whole formula that determines:
✅ How much interest you’ll pay on loans (aka how much money you give the banks for free)
✅ Whether you get approved for that apartment, car, or dream home
✅ If you can skip security deposits on utilities and even get a job (yep, some employers check your credit)

And yet, most people have no idea how it’s calculated. Let’s change that.

The 5 Factors That Make or Break Your Score

1️⃣ Payment History (35%) – Do you pay your bills on time? Even one late payment can drop your score like it’s hot.
2️⃣ Credit Utilization (30%) – Are you maxing out your credit cards? Try to keep balances under 30% (or better, under 10%).
3️⃣ Credit Age (15%) – The longer your accounts stay open, the better. Stop closing old cards!
4️⃣ Credit Mix (10%) – A mix of credit cards, loans, and other accounts helps.
5️⃣ Inquiries (10%) – Every time you apply for credit, a hard inquiry can shave points off your score. Be strategic!

Quick Fix: Instant Credit Score Boost

Want an easy way to increase your score? Call your credit card company and request a credit limit increase. If granted, your utilization drops, and BOOM—your score rises!

Let’s Talk

Drop a comment: What’s your biggest credit struggle right now? Or reply to this email if you need a free credit score audit. Let’s get you to that 700+ life!

🔥 Stay tuned for next week’s issue: “Tax Refund Hacks—How to Keep More Money in Your Pocket!”