AJ Lopez Finance

AJ Lopez Finance Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from AJ Lopez Finance, Credit Counseling Service, Miami, FL.

โ€‹The goal of our company is to provide professional assistance in removing negative information from your credit report and establishing a positive credit history.

If thereโ€™s days when you want to give up, just remind yourself why you have started ๐Ÿ’ซ๐Ÿ’ซ๐Ÿ’ซ In case someone needs to hear th...
07/15/2021

If thereโ€™s days when you want to give up, just remind yourself why you have started ๐Ÿ’ซ๐Ÿ’ซ๐Ÿ’ซ
In case someone needs to hear this today โœŠ๐Ÿผ

๐™’๐™ƒ๐™€๐™‰ ๐™‡๐™„๐™๐™€ ๐™‚๐™„๐™‘๐™€๐™Ž ๐™”๐™Š๐™ ๐™‡๐™€๐™ˆ๐™Š๐™‰๐™Žโ€ฆ๐Ÿ‹๐Ÿ‹๐Ÿ‹2 years ago on this day I didnโ€™t know whom I become when I grow up ๐Ÿค” and I was 31 .I had t...
07/14/2021

๐™’๐™ƒ๐™€๐™‰ ๐™‡๐™„๐™๐™€ ๐™‚๐™„๐™‘๐™€๐™Ž ๐™”๐™Š๐™ ๐™‡๐™€๐™ˆ๐™Š๐™‰๐™Žโ€ฆ๐Ÿ‹๐Ÿ‹๐Ÿ‹
2 years ago on this day I didnโ€™t know whom I become when I grow up ๐Ÿค” and I was 31 .
I had to face big challenge for me to be here today- helping people, having my own business, raising 2 kids and take care of my husband due to his illness.
2 years ago- thatโ€™s when I found out that my husband was in big financial hole and we couldnโ€™t qualify for any type of a loan. I havenโ€™t had credit history at all and his credit report was full of negative accounts.
I asked: โ€œWhat are we going to do? We need our place, a carโ€. He applied for a government job and they checked his creditโ€ฆ They gave us 30 days to fix what is fixable for them to make a decision about hiring him or not.
He had no hope, he gave up. The only thing on his mind was to file a bankruptcy. But something told me it wasnโ€™t a solution.
Suddenly, my sister in law called me: โ€œHey, I found a great credit repair course, do you want to join?โ€ That call changed my life.
I studied days and nights, I was so obsessed with the process. Of course I couldnโ€™t fix my husbandโ€™s credit within 30 days frame, but I applied my Layer skills to write a waiver and he got a job with a comment that he will work on fixing his report.
A year ago I opened and registered my company. I called it AJ LOPEZ FINANCE.
Today my and my husbandโ€™s credit allows us to be approved for the car, house and anything we need with low interest rates. We learned from mistakes.
Itโ€™s my purpose to help lots of people to get back on track and start over. Everyone have a Chance. And thereโ€™s no better feeling than seeing smiles or happy messages of my customers ๐Ÿ’ซ๐Ÿ’•

So, when life gives you ๐Ÿ‹ make a lemonade ! โฃโฃโฃโฃโฃโฃ

Our recent results in one post. We remove NEGATIVE items that are erroneous, inaccurate and not verifiable. ๐™๐™ƒ๐™€ ๐™‡๐˜ผ๐™’ ๐™„๐™Ž ๐™Š...
07/08/2021

Our recent results in one post. We remove NEGATIVE items that are erroneous, inaccurate and not verifiable.
๐™๐™ƒ๐™€ ๐™‡๐˜ผ๐™’ ๐™„๐™Ž ๐™Š๐™‰ ๐™”๐™Š๐™๐™ ๐™Ž๐™„๐˜ฟ๐™€.
Link in bioโฌ†๏ธ

โฃโฃโฃโฃโฃโฃ

07/06/2021

๐’€๐‘ถ๐‘ผ ๐‘ซ๐‘ฌ๐‘บ๐‘ฌ๐‘น๐‘ฝ๐‘ฌ ๐‘ญ๐‘ฐ๐‘ต๐‘จ๐‘ต๐‘ช๐‘ฐ๐‘จ๐‘ณ ๐‘ญ๐‘น๐‘ฌ๐‘ฌ๐‘ซ๐‘ถ๐‘ด!
Call us today ๐Ÿ“ฑ (888) 305-1463

Freedom is a basic human right, and itโ€™s important for people to know that they are free. Itโ€™s the most important part o...
07/04/2021

Freedom is a basic human right, and itโ€™s important for people to know that they are free. Itโ€™s the most important part of our existence. Cheers to the ones who fought for our freedom and for the ones who will carry it through ages. Happy Independence Day ๐Ÿ‡บ๐Ÿ‡ธ

According to 2021 economic research the average FICOยฎ score in US is 711, VantageScore is 688.But only 22% of American a...
07/01/2021

According to 2021 economic research the average FICOยฎ score in US is 711, VantageScore is 688.
But only 22% of American adults have 800 score or more.
There's a lot of factors that determine your credit success. Here's a few tips to have Excellent Credit Score:

โœ… ๐—›๐—”๐—ฉ๐—˜ ๐—” ๐—š๐—ข๐—ข๐—— ๐— ๐—œ๐—ซ ๐—ข๐—™ ๐—”๐—–๐—–๐—ข๐—จ๐—ก๐—ง๐—ฆ
It's good to have different types of accounts on your report, such as: Revolving (credit cards), installment (car loans, mortgage, student loans)
โœ… ๐—”๐—Ÿ๐—ช๐—”๐—ฌ๐—ฆ ๐—ฃ๐—”๐—ฌ ๐—ฌ๐—ข๐—จ๐—ฅ ๐—•๐—œ๐—Ÿ๐—Ÿ๐—ฆ ๐—ข๐—ก ๐—ง๐—œ๐— ๐—˜
One late payment will lower your score and will remain on your credit report for up to 7 years
โœ… ๐—ž๐—˜๐—˜๐—ฃ ๐—ฌ๐—ข๐—จ๐—ฅ ๐—–๐—ฅ๐—˜๐——๐—œ๐—ง ๐—–๐—”๐—ฅ๐—— ๐—จ๐—ง๐—œ๐—Ÿ๐—œ๐—ญ๐—”๐—ง๐—œ๐—ข๐—ก ๐—Ÿ๐—ข๐—ช
The best way to use credit cards is to keep its usage at 10%. Donโ€™t hit your credit limit!
Credit history age
โŒ ๐——๐—ข๐—ก'๐—ง ๐—–๐—Ÿ๐—ข๐—ฆ๐—˜ ๐—ฌ๐—ข๐—จ๐—ฅ ๐—ข๐—Ÿ๐—— ๐—”๐—–๐—–๐—ข๐—จ๐—ก๐—ง๐—ฆ.
Even if itโ€™s credit card that you donโ€™t use anymore. Credit history age determines 15% of your score. 10 years or more of the credit length will put more points on your report.
โŒ ๐——๐—ข๐—ก'๐—ง ๐—”๐—ฃ๐—ฃ๐—Ÿ๐—ฌ ๐—™๐—ข๐—ฅ ๐—ง๐—ข๐—ข ๐— ๐—”๐—ก๐—ฌ ๐—–๐—ฅ๐—˜๐——๐—œ๐—ง ๐—–๐—”๐—ฅ๐——๐—ฆ, ๐—Ÿ๐—ข๐—”๐—ก๐—ฆ, ๐—˜๐—ง๐—–.
That will bring a lot of inquiries (hard pulls) on your credit report and sure will hurt your score.

Advantages of having 800 Credit Score are huge. Not only it gives you good approval odds, but also saves you a lot of money! ๐Ÿ’ธ

THEY LIE TO SCARE YOU (PART I)โ—๏ธToday I will talk about tactics that SOME collection agencies use to make you pay ๐Ÿ’ธ โŒ ๐—ง๐—›...
06/27/2021

THEY LIE TO SCARE YOU (PART I)โ—๏ธ
Today I will talk about tactics that SOME collection agencies use to make you pay ๐Ÿ’ธ
โŒ ๐—ง๐—›๐—˜๐—ฌ ๐—ง๐—›๐—ฅ๐—˜๐—”๐—ง๐—˜๐—ก ๐—ง๐—ข ๐—›๐—”๐—ฉ๐—˜ ๐—ฌ๐—ข๐—จ ๐—”๐—ฅ๐—ฅ๐—˜๐—ฆ๐—ง๐—˜๐——
Sadly for them, debt is not a criminal offense. This form of threat, on the other hand, is a violation of the Fair Debt Collection Practices Act (FDCPA).
โŒ ๐—ง๐—›๐—˜๐—ฌ ๐—–๐—”๐—Ÿ๐—Ÿ ๐—ฌ๐—ข๐—จ๐—ฅ ๐—๐—ข๐—•, ๐—ก๐—˜๐—œ๐—š๐—›๐—•๐—ข๐—จ๐—ฅ๐—ฆ ๐—”๐—ก๐—— ๐—ฅ๐—˜๐—Ÿ๐—”๐—ง๐—œ๐—ฉ๐—˜๐—ฆ ๐—œ๐—ก ๐—ข๐—ฅ๐——๐—˜๐—ฅ ๐—ง๐—ข ๐—–๐—ข๐—Ÿ๐—Ÿ๐—˜๐—–๐—ง "๐——๐—˜๐—•๐—ง"
This is also violation of FDCPA.
โŒ ๐—ง๐—›๐—˜๐—ฌ ๐—ง๐—›๐—ฅ๐—˜๐—”๐—ง๐—˜๐—ก ๐—ง๐—ข ๐—š๐—”๐—ฅ๐—ก๐—œ๐—ฆ๐—› ๐—ฌ๐—ข๐—จ๐—ฅ ๐—ช๐—”๐—š๐—˜๐—ฆ
This is very common lie . Wages can not be garnished without a court order and judgment.
โŒ ๐—ง๐—›๐—˜๐—ฌ ๐—ฆ๐—˜๐—ก๐—— ๐—ฌ๐—ข๐—จ ๐—–๐—ข๐—จ๐—ฅ๐—ง ๐—ฆ๐—จ๐— ๐— ๐—ข๐—ก๐—ฆ
Another scare tactic. You cannot be sued if they fail to prove that debt is yours.
Follow this steps to avoid lawsuits against you:
๐Ÿ‘‰๐Ÿผ๐—ก๐—˜๐—ฉ๐—˜๐—ฅ ๐——๐—œ๐—ฆ๐—–๐—จ๐—ฆ๐—ฆ ๐—ฌ๐—ข๐—จ๐—ฅ ๐—™๐—œ๐—ก๐—”๐—ก๐—–๐—œ๐—”๐—Ÿ/๐—–๐—ฅ๐—˜๐——๐—œ๐—ง ๐—ฆ๐—œ๐—ง๐—จ๐—”๐—ง๐—œ๐—ข๐—ก ๐—ข๐—ก ๐—ง๐—›๐—˜ ๐—ฃ๐—›๐—ข๐—ก๐—˜. Every conversation with collection agencies must be documented in writing.
๐Ÿ‘‰๐Ÿผ๐—”๐—ฆ๐—ž ๐—ฃ๐—ฅ๐—ข๐—™๐—˜๐—ฆ๐—ฆ๐—œ๐—ข๐—ก๐—”๐—Ÿ ๐—ง๐—ข ๐——๐—œ๐—ฆ๐—ฃ๐—จ๐—ง๐—˜ ๐—”๐—Ÿ๐—Ÿ๐—˜๐—š๐—˜๐—— ๐——๐—˜๐—•๐—ง ๐—ช๐—œ๐—ง๐—›๐—œ๐—ก 30 ๐——๐—”๐—ฌ๐—ฆ ๐—ฃ๐—˜๐—ฅ๐—œ๐—ข๐—— ๐—”๐—™๐—ง๐—˜๐—ฅ ๐—ง๐—›๐—˜ ๐—Ÿ๐—˜๐—ง๐—ง๐—˜๐—ฅ ๐—ช๐—”๐—ฆ ๐—ฆ๐—˜๐—ก๐—ง ๐—ง๐—ข ๐—ฌ๐—ข๐—จ. You can also do it by yourself.
๐Ÿ‘‰๐Ÿผ ๐—”๐—Ÿ๐—ช๐—”๐—ฌ๐—ฆ ๐—–๐—›๐—˜๐—–๐—ž ๐—ฌ๐—ข๐—จ๐—ฅ ๐—–๐—ฅ๐—˜๐——๐—œ๐—ง ๐—ฅ๐—˜๐—ฃ๐—ข๐—ฅ๐—ง ๐—™๐—ข๐—ฅ ๐— ๐—œ๐—ฆ๐—ง๐—”๐—ž๐—˜๐—ฆ. Any negative item or remark can lower your credit score.

Have you ever been threatened by collectors?

Have a wonderful weekend โ˜€๏ธ๐Ÿ’ซ
06/26/2021

Have a wonderful weekend โ˜€๏ธ๐Ÿ’ซ

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Miami, FL

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