Elliott Trusted Financial Services

Elliott Trusted Financial Services We offer credit repair, credit consultation, and credit rebuilding. Let’s us help you get approved!

06/02/2026

Thinking about closing an old credit card?

Think twice.

Closing a credit card can lower your available credit and reduce the age of your credit history both of which can impact your credit score.

Before you close an account, make sure you understand the potential consequences.

Follow for daily credit tips that can help you get approved faster.

06/02/2026

Your financial past is a chapter, not the whole story.
Credit can be rebuilt. Wealth can be created.
The best time to start was yesterday. The next best time is TODAY!

06/01/2026

Banks reduce credit limits mainly due to perceived risk changes in your credit profile or spending behavior.

Banks constantly monitor accounts and may cut limits when they see things like:

Low or inactive usage → You’re not using the card, so they reduce exposure risk
Higher perceived debt risk in the economy → During uncertain markets, banks tighten lending
Credit profile changes → Score drops, new debt, or missed payments elsewhere
Risk-based rebalancing → The bank decides your previous limit no longer matches your current risk level
Internal bank policy changes → Some banks do “portfolio-wide” credit limit reductions automatically

The key mechanism:

When your limit is reduced, your utilization ratio changes instantly:

Same balance ÷ lower credit limit = higher utilization

And utilization is one of the heaviest weighted factors (30% of FICO score), which is why your score can drop fast even if you didn’t spend more.

Comment “CHECK” if you want me to review your credit for hidden risks before this happens.

06/01/2026

Don't shop for a home before you shop for a better credit score.

A 620 vs. 760 credit score could cost you hundreds more each month on a mortgage.

05/30/2026

We spend years chasing financial goals, building credit, and creating wealth.

But none of it means much if we neglect our health along the way.

Your body and your finances both require consistency, discipline, and long-term thinking.

Get in your gym bag and your money bag.

Thank me later!!

05/29/2026

Most people still believe checking their own credit hurts their score BUT that’s a myth.

When YOU check your own credit, it’s considered a soft inquiry and soft inquiries do not lower your score.

The inquiries that can impact your score are hard inquiries, which happen when you apply for credit like loans, credit cards, or financing.

Stop being afraid to check your score.

Be afraid of staying uninformed.

Need help understanding what’s really impacting your credit?

Let’s build a strategy to get you mortgage-ready and financially stronger.

05/29/2026

The Fair Debt Collection Practices Act gives you the right to request debt validation.

Collectors must prove the debt is yours, the amount is accurate, and they have the legal right to collect it.

Many debts — especially older or resold accounts — can't always be fully verified.

Knowing your rights is one of the first steps to protecting your finances.

Want to learn how to respond to debt collectors the smart way? Send me a message.

05/29/2026

Being broke is temporary. Staying stuck is a mindset. The way you think about money changes the way you move with money!

05/28/2026

Every hard inquiry can lower your score and too many in a short period raises red flags to lenders.

Multiple applications can signal financial stress, even if that’s not the case.

Be strategic. Research before you apply and understand your approval odds.

One well-timed approval is worth more than five denials.

Your next approval matters.

Let’s choose credit products that actually help your profile grow.

05/28/2026

Bad credit is not a life sentence. It's a chapter. And every chapter can end with the right guidance and the right actions.

Address

4500 Mercantile Plaza
Fort Worth, TX
76137

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5:30pm
Wednesday 9am - 5:30pm
Thursday 9am - 5:30pm
Friday 9am - 5:30pm
Saturday 9am - 5pm

Telephone

+18176749586

Website

http://elliotttrustedfs.com/

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