Shapiro Hurst & Associates, LLC

06/05/2024

Another 12-Year High for Credit Card Charge-offs and Delinquencies Federal Reserve Releases Dismal Q1 Data.

What does this mean for you and your family? Free webinar https://shapiro-hurst.com/ join us today.

Helping people ACHIEVE SUCCESS in a credit-driven world!

03/20/2024

You may have heard how by just adding an "Authorized User" to your credit report can boost your scores.

This is not true for everyone. Not to mention, some creditors will not even report to credit for an authorized user.

If you are looking to boost your scores quickly by adding an authorized user account, make sure you follow this advice.

Also remember, the points earned from an authorized user card is done only when its an account better than what you already have.

For example in age, credit limit and history!! We only advise on adding in an authorized user account when the card is over 10 years in age.

Side note: Mortgage Lenders will need you to have at least 2 credit accounts open in your name when you have an authorized user account in your report!!

Comment "800" for our free E-book!

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03/18/2024

Have you noticed your mailbox overflowing with offers from creditors after applying for a loan?

Don't fret; there's a reason behind the sudden surge in mail! When you apply for a loan, creditors may access your credit report to evaluate your creditworthiness. This triggers a signal to other creditors that you're in the market for credit, prompting them to send you offers tailored to your financial needs.

But what does this mean for you?

Understanding why you're receiving these offers is crucial for your financial journey. It's a testament to your credit profile and can provide valuable insights into your financial health.

Plus, it presents opportunities to explore different credit options and potentially improve your financial situation.

We do recommend to opt out of those unwanted prescreened offers. Here is a link to do so!
https://consumer.ftc.gov/articles/prescreened-credit-insurance-offers

Stay tuned as we delve deeper into this topic and offer tips on managing credit offers wisely.

Empower yourself with knowledge and make informed decisions for your financial future! 💡💰

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03/07/2024

LOVE this! Thank you, The Master Closer For All Homes - Maurice Nelson NMLS # 255979 for recommending us to your clients!

02/21/2024

Feeling the weight of credit troubles? It's time to take action and reclaim your financial freedom! ⏰

Don't wait for the perfect moment – join our masterclass now and unlock the secrets to boosting your credit score from the comfort of your home.

Whether it's repairing past mistakes or aiming for that perfect score, we've got you covered. Proactive steps today mean a brighter financial future tomorrow.

Don't miss out – enroll now and let's make those credit worries a thing of the past! 💳💪👉www.shapiro-hurst.com/challenge

02/19/2024

Find Out How to Get an 800 Credit Score! 🌟Learn the Big Secrets Behind Perfect Credit.

Think it's not fair that some people with an 800 credit score get all the good stuff? Well, guess what? You can be like them! Improve your credit score from home with our online course. We've been helping people for over 30 years to have Excellent credit! 📲

Watch Our Free Video to Learn More! 👇
www.shapiro-hurst.com/secrets

02/15/2024

Boost Your Credit Score to 700+! 💳Credit cards are your key to success.

When it comes to establishing credit and building credit history, you need credit card accounts in your reports. Don't be afraid to build these accounts in. Without them, you will never reach your full potential. Paying everything cash is not helpful in todays world.

To reach a 700 score you need at least 1 credit card open. The longer the card has been opened the better! Also, stay away from store cards and small starter cards. Those do not look good to lenders or the credit bureaus.

Join our online course to learn more secrets to financial freedom! 📲

Click to Learn More! ⤵️
www.shapiro-hurst.com/challenge

02/13/2024

Discover Credit Secrets! Find Out How Your Scores Can Change Every Day🌟

Payment history, credit utilization ratio, length of credit history, credit mix and new credit can each impact your scores.

Closing accounts falls under the length of your credit history. Never close an account that you are unsure of. Once its closed, you can't add it back.

Explore what accounts are the most important to reaching excellent credit.

Kickstart your credit journey today! 🏃‍♀️
Click to Find Out More 👇
www.shapiro-hurst.com/secrets

02/12/2024

Discover the Secret to Boosting Your Credit Score! 🚀 Ever wonder why your credit score is different from one report to the next?

There are many different scoring models out there. The two that are most commonly used are FICO and Vantage. Learn about FICO and Vantage scores and which you should be more concerned about.

Click to find out more! 🔍
www.shapiro-hurst.com/challenge