Brees Credit repair Agency

12/27/2022

TAxTipTuesday

Please remember...
👉🏾Applying for the advance/loan, means the tax return is being transmitted to the IRS.
👉🏾Applying for the advance/loan, means the tax return CANNOT be pulled back. It is gone.
👉🏾Applying for the advance/loan, means the client CANNOT go anywhere else to get an advance.
👉🏾Applying for the advance/loan, means if the client is denied, the return CANNOT be pulled. The return is gone.
👉🏾Applying for the advance IS filing your taxes.

11/05/2022

BUSINESS CREDIT HACK:

Obtain you business phone number with GOBAL VOICE DIRECT. Once you get a phone number with them they will issue you a $7,500.00 business credit line.

Never use your home or cell
number when establishing
your business. It hurts you.
You will not be able to obtain
business funding using those
phone numbers 🗣🗣

10/12/2022

Let’s Gossip and Read✨✨✨✨✨✨✨✨

IMPORTANT information to get your affairs in order.✨✨✨✨✨✨✨✨✨✨✨✨✨✨

💰Make sure all bank accounts have direct beneficiaries. The beneficiary need only go to the bank with your death certificate and an ID of their own.

🏡 TOD = Transfer On Death deed if you own a home. Completing this document and filing it with your county saves your heirs THOUSANDS. This document allows you to transfer ownership of your home to your designee. All they need to do is take their ID and your death certificate to the county building and the deed is signed over. Doing this will avoid the home having to go through probate.

👨‍👩‍👧‍👦Living Will: Allows one to put in writing exactly what you want done in the event you cannot speak for yourself when it comes to healthcare decisions as well as other final decisions.

👩🏽‍⚖️Durable Power of Attorney: Allows one to designate a person to make legal decisions if one is no longer competent to do so.

🏥Power of Attorney for Healthcare: This document allows one to designate someone to make healthcare decisions for their person.

🛍Last Will and Testament: Designates to whom personal belongings will go too.

🪦Funeral Planning Declaration: allows one to say exactly one’s wishes as far as disposition of the body and the services.

Make sure ALL documents are NOTORIZED if needed.

If the above documents are done, you can AVOID probate.

If all the above is NOT done, you have to open an estate account at the bank. ALL money that DOESN'T have DIRECT beneficiaries goes into this account. You have to have an attorney to open the estate account. The attorney also has to publicize your passing in the newspaper or post publication at the county courthouse, to allow anyone to make a claim on your property. - It’s a complete PAIN, time consuming and can be costly to the estate as fees are involved.

📚 💳Make a list of all banks and account numbers, all investment institutions with account numbers, lists of credit cards, utility accounts, etc. Leave clear instructions as to how and when these things are paid.

Make sure heirs knows where life insurance policies are located. 📂

📝Make 100% sure SOMEONE knows your Apple ID, bank ID account logins and passwords!

🚗 Make sure you have titles for all vehicles, campers, etc!
Set up a trust for intended beneficiaries that are too young, and appoint a trustee of said trust.

MOST IMPORTANTLY!!!! - Talk with those closest to you and make all your wishes KNOWN. Talk to those whom you’ve designated, as well as those close to you whom you did not designate. - Do this to explain why your decisions were made and to avoid any lingering questions or hurt feelings.

Hope this helps! Hope this lights a spark to encourage all your friends and family to take care of these things to make it easier for those we all leave behind!

My hope is that the above list at least helps you start an important conversation with your loved ones...

(REPOST)

10/12/2022

Building Business Credit Tip

To generate a business credit score you will need to have 5 or more reporting business tradelines to each of the 3 business bureaus mentioned in previous posts.

A great start would be:

1. NAV
2. Quill
3. Uline
4. Crown
5. Summa

Over time to fully build out your business credit profile aim for 12 business tradelines.

10/12/2022

List of banks and lenders. It shows what bureau they pull from and what score is needed for some of them.

*Amex – Experian
*Bank of America - Equifax
*Barclaycard Apple Rewards – Experian (720+ $3,500)
*BMW Financial Services – Experian
*BMW Financial Services – Experian (695+ $50,000 Lease)
*Capital One Auto Finance – Experian – Equifax
*Capital One Auto Finance – Experian (650+ $30,000 with Proof of Income)
*Capital One Bank Credit Cards – Equifax – Transunion
*Capital One Venture – Experian – Transunion (650+ $5,000)
*Capital One Quick Silver 1 – Experian (600+ $500)
*Capital One Venture – Experian (680+ $20,000 with 2 AU’s over $10,000 each)
*Car Smart – Transunion
*Carmax – Experian – Equifax – Transunion
*CBNA Credit Cards – Experian – Equifax
*Centric Credit Union Visa – Experian (530+ $500)
*Chase Bank – Experian & Equifax
*Chase – Experian (750+ $10,000)
*Chase Amazon Rewards – Experian (750+ $7,000)
*Chase Freedom – Experian (750+ $7,000)
*Chase Ink Bold – Experian (720+ $15,000)
*Chase Sapphire Preferred – Experian (720+ $18,000) Chase Southwest Plus – Experian (750+ $3,500)
*Chase Amazon Rewards – Experian (750+ $7,000)
*Chase Freedom – Experian (750+ $7,000)
*Chase Ink Bold – Experian (720+ $15,000)
*Chase Sapphire Preferred – Experian (720+ $18,000) Chase Southwest Plus – Experian (750+ $3,500)
*Chase United Explorer – Experian (720+ $19,500)
*Citibank Best Buy - Equifax
*Citi American Airlines Platinum – Experian (720+ $6,500)
*Citi Double Cash / Citi Thank You Premier – Experian (720+ $6,800)
*Citizen’s Bank (location specific) Equifax
*Community First Credit Union – Equifax (region specific)
*Community – Transunion or Equifax
*Credit Union of Texas – Equifax
*Credco Auto Reseller – Experian – Transunion
*Chrysler Credit – Transunion – Does Not Re Report to D&B Dell Computers *Preferred Account – Experian (690+ $1,500) Delta Skymiles Gold Amex – Experian (660+ $5,000)
*Digital Credit Union DCU Personal Loan – Experian (700+ $26,000)
*Digital Credit Union DCU Auto Loan – Experian (700+ $25,000 with Proof of Income)
*Direct TV - Equifax
*Discover Card – Equifax – Transunion *Discover It – Experian (620+ $1,500 - $5,500)
*Drive Finance Auto Financing – Experian – Transunion
*Elan Financial - Equifax
*Fifth Third Bank – Transunion
*FIA Amex Fidelity American Express – Experian (740+ $9,000)
*Fidelity Amex Investment Rewards – Experian (720+ $12,500)
*Fidelity Investment Rewards Visa *Signature Card – Experian (750+ $7,500) *FirstBank Credit (FNBO) SavingStar *Amex – Experian (650+ $1,000) FNBO/*NRA – Experian (740+ $8,500)
*First Choice Bank – Primer Visa – Experian – Equifax – Transunion First Data *Merchant Services – Credit Card *Merchant Account Processor Greater Texas FCU – Experian (620+ $27,000)
*Hertz Corporation – Equifax Home
*Depot – Experian (650+) HSBC –
Transunion
*Jared/Sterling – Experian (600+ $1,500)
*JCB Marukai Premium California – Experian (750+ $5,000 with Proof of Income)
*JCrew (Comenity) – Experian (600+ $750)
*JP Morgan Chase Business – Transunion – *Chexsystems JP Morgan Chase Bank – Equifax Kohls – Experian (560 $300)
*Lexus Financial Services – Experian (690+ $90,000 with Lease)
*Mercedes Auto – Transunion + Experian + Equifax
*Macys – Experian (700+ $1,000)
*NASA FCU Platinum Rewards – Experian
*NASA Visa Platinum Cash Rewards – Experian (735+ $20,000)
*Navy Federal Credit Union – Equifax – Transunion
*NFCU GoRewards Visa – Experian (660+ $1,000)

09/04/2022

LadiQueen LanaVines

Photograph of Lola Falana taken in 1969.

STARZ has another great promotion! Take advantage by subscribing today to start watching and supporting all the black shows and movies.

STARZ only $5 a month for 3 months

08/22/2022

Come check out my Shopify a 1 stop shop

Brees 4 Glory Services

01/13/2022

‼️‼️CREDIT TIP THURSDAY‼️‼️

1. Paying a collection does not change the fact the you didn't pay it at the time that it was agreed.

2. After paying a collection negative remarks scar The credit report like; Settled for less than full amount; partial payment not as agreed; collection paid in full.

3. Paying a past collection also causes activity therefore it can still legally report to your credit.

4. Its normal to experience a drop in score after paying collections.

5. If you must pay a collection, it should be done so in writing as a "Pay for delete" so that it is removed after payment. NOTE : the collection
agency is not obligated to accept your offer.

01/13/2022

📌Credit Tip

Credit Karma is NOT Free!

Credit Karma makes money off of the personal information you volunteered! 🤔...🤯

🔑 Credit Karma is NOT a credit monitoring site! - They collect your information from the credit bureaus to create targeted campaigns based on your personal information
which makes Credit Karma an affiliate marketing site!

Credit Karma DOES NOT give you FICO scores! Which is what mortgage lenders use. 🎯

🗣Credit Karma provides you with Vantage scores (Not heavily used by lenders) 🤷🏾‍♂️

Credit Karma buys your information for pennies on the dollar, this is how they are able to provide you with updates every 7 days. ✍🏾

Why?... To get you to look at your scores and their AFFILIATE offers! You know, the offers for those credit cards that say you have a fair, good or very good chance of being approved for....🧐

Have you noticed they never say "You have a bad or poor chance⁉️”🤭😰

Apply, get denied ❌and now you have an inquiry on your credit profile. ⬇️ 😟

And those of you that are seeing you have a "chance" of getting approved for an American Express 💳 think again... You would be surprised to know, American Express only pulls from Experian for credit cards? 🤯

🗣Credit Karma DOES NOT give you Experian credit report or scores‼️

01/10/2022

Credit Tip: 📓📊

Credit Repair is NOT an overnight fix. There are no shortcuts to fixing the YEARS of mistakes you’ve made. Collections, bankruptcies, judgements & any other derogatory items all have to go through a process which takes at LEAST 30 business days! Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days
❇️DON’T rush the process

In the meantime:📓📊
✅Avoid co-signing for anyone(if possible)
✅Keep credit cards utilization under 30% but shoot for 5-10% if possible
✅Avoid late payments
✅Do NOT pay collection agencies
✅Do NOT talk with collection agencies over the phone quickly say “send what you have to the address on file”
🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥

12/16/2021

Your Credit Score Ranges from 300-850. That means you have control of that 550 points in between.

Payment History - 35%

Credit Utilization - 30%

Credit Age - 15%

Inquires - 10%

Credit Mix - 10%

Did you know the 2 biggest factors that effect your credit score is your PAYMENT HISTORY & CREDIT UTILIZATION❓

Drop a 💎 if you got value!