Credit Experts of Texas

01/31/2025

Goals!

This is the credit score of a 24 year old Black male.

Steps to 800:
➡️ Added as authorized user at age 17
➡️ Opened credit card at 19
➡️ Purchased a vehicle in his name
➡️ Paid auto loan on-time every month
➡️ Paid auto loan in full
➡️ Credit card usage under 30% of available balance
➡️ Credit card payments on auto pay, paid on-time every month
Baby steps 👣 👣 👣 👣 👣 👣 👣

Next steps:
♦️ Open 2 more credit cards in 2025
♦️ Increase available balances
♦️ Start a delivery business
♦️ Start saving for down-payment on a company vehicle
Now he can run 🏃🏽‍♂️ 🏃🏽‍♂️ 🏃🏽‍♂️ 🏃🏽‍♂️ 🏃🏽‍♂️ 🏃🏽‍♂️ 🏃🏽‍♂️

Your personal credit is the 🔑 to unlocking business credit. I said what I said.

05/30/2024

02/19/2024

Best secured credit cards of 2024

Start building or rebuilding your credit with a secured credit card. Our experts recommend the best secured cards with low deposit requirements and low fees.

01/10/2024

Check out this 22 day credit challenge! If you want to boost your credit in 2024, sign up and bring a partner.

https://challenge.thebudgetnista.com/lrc-credit/

10/30/2022

See if you're pre-approved for a Capital One card without effecting your credit.

https://www.capitalone.com/credit-cards/preapprove/lp/lp1/?external_id=WWW_notassigned_ZZZ_DISCVRY_Google_ZZ___kenshoo_clickid__1445

09/29/2022

Are you digging your credit score and think you're ready to apply for an American Express? Not quite sure you will qualify because you barely touching a 700? Get your answer by prequalifying with the link from AMEX below. You're credit score will not be impacted with the pre-qualification unless you decide to actually apply fir the card.

Find the best credit card by American Express for your needs. Choose between travel, cash back, rewards and more. Apply for a credit card online.

09/12/2022

Credit Rent Boost is a new rent reporting company that allows you to report your rent payments to the credit bureaus. You can report current and past rent payments.

Check it out and let me know what you think!

Boost your credit score in days using rent reporting from Credit Rent Boost. Utilize ongoing monthly rent reporting or the past 2 years.

09/12/2022

Check out this new credit builder app. With just $5 dollars a month, you can build new credit, enhance thin credit or boost existing credit. Let me know what y'all think!

Kikoff is a credit-building service designed to help you build credit safely and responsibly. Our products are designed to target the 5 major credit score factors.

08/03/2022

Check out my YouTube channel where I share credit and money management advice.

07/28/2022

Credit scores can go up because medical debt may be removed from your the credit reports. This will be a change made by all 3 credit bureaus.

The change takes place July 1st.

05/15/2022

Do you agree with these requirements for dating?