Shepherd Credit Repair

06/28/2023

My wife did an amazing job.
K-Mac Designs (By Keia Shepherd)

I do not own the rights to the music

10/13/2022

Dreams Do Come True.
Don't let your past hold you back from your future.

10/06/2022

There is know way you were born to just pay bills and Die.

09/04/2022

If you want to buy the car you've been eyeing, get up and fix your credit.

Credit repair can be challenging, but I can help you reach your credit goals. I can help you remove inaccurate negative items from your credit report and boost your credit score.

Contact me at [email protected] to get started today.

09/03/2022

Are you still struggling with your monthly debt payments?

Getting a hold of your debt can help you get closer to financial freedom and help you in your debt-free journey.

Here are some steps you can take to bring your debt payments down.

09/02/2022

A credit card can make purchases a whole lot easier. You can make large purchases without worrying about paying all the money upfront.

This convenience can cause you to spend more than what you can actually afford. Always be on your toes to avoid running the risk of bad credit.

If your credit is already down, don't worry. Shoot me an email at [email protected].

09/01/2022

Are you making these common credit card mistakes?

Read on to find more on this and learn how to avoid them: https://www.forbes.com/sites/billhardekopf/2022/08/19/10-typical-credit-card-mistakes-and-how-you-can-avoid-them/?sh=6710b474af9f

Some common mistakes made by credit card customers

08/31/2022

Your credit report gives a detailed record of your financial life.

It gives lenders an understanding of your borrowing capacity and creditworthiness.

The report does not include certain personal information or outdated financial data.

08/30/2022

If you could choose one of these, which would you pick?

Saving up for a home can be better than paying off a low-interest student loan since home prices are prone to go up.

On the other hand, paying off your student loans before saving up for a home can help you qualify for a bigger mortgage because of lower debt.

So, which would you choose? Would you invest in a new home or pay off your debt first?

08/30/2022

IDK who needs to hear this, but Get Back on Track! Regain your FOCUS and GIVE the rest of 2022 EVERYTHING you've Got!!! 💪🏾💪🏾

08/29/2022

Your credit utilization is the percentage of the credit limit you use. A high utilization rate indicates you have trouble paying your bills on time. You should aim to keep the ratio at an ideal rate of below 30%.

Now the question arises, what can you do to ensure a healthy credit utilization rate? That's where these 5 strategies might be of help to you.