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AJ Lopez Finance

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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.

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

07/15/2021

If there’s days when you want to give up, just remind yourself why you have started 💫💫💫
In case someone needs to hear this today ✊🏼

07/14/2021

𝙒𝙃𝙀𝙉 𝙇𝙄𝙁𝙀 𝙂𝙄𝙑𝙀𝙎 𝙔𝙊𝙐 𝙇𝙀𝙈𝙊𝙉𝙎…🍋🍋🍋
2 years ago on this day I didn’t know whom I become when I grow up 🤔 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- that’s when I found out that my husband was in big financial hole and we couldn’t qualify for any type of a loan. I haven’t had credit history at all and his credit report was full of negative accounts.
I asked: “What are we going to do? We need our place, a car”. He applied for a government job and they checked his credit… 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 wasn’t a solution.
Suddenly, my sister in law called me: “Hey, I found a great credit repair course, do you want to join?” That call changed my life.
I studied days and nights, I was so obsessed with the process. Of course I couldn’t fix my husband’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 husband’s credit allows us to be approved for the car, house and anything we need with low interest rates. We learned from mistakes.
It’s my purpose to help lots of people to get back on track and start over. Everyone have a Chance. And there’s no better feeling than seeing smiles or happy messages of my customers 💫💕

So, when life gives you 🍋 make a lemonade ! ⁣⁣⁣⁣⁣⁣

07/08/2021

Our recent results in one post. We remove NEGATIVE items that are erroneous, inaccurate and not verifiable.
𝙏𝙃𝙀 𝙇𝘼𝙒 𝙄𝙎 𝙊𝙉 𝙔𝙊𝙐𝙍 𝙎𝙄𝘿𝙀.
Link in bio⬆️

⁣⁣⁣⁣⁣⁣

07/06/2021

𝒀𝑶𝑼 𝑫𝑬𝑺𝑬𝑹𝑽𝑬 𝑭𝑰𝑵𝑨𝑵𝑪𝑰𝑨𝑳 𝑭𝑹𝑬𝑬𝑫𝑶𝑴!
Call us today 📱 (888) 305-1463

07/04/2021

Freedom is a basic human right, and it’s important for people to know that they are free. It’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 🇺🇸

07/01/2021

According to 2021 economic research the average FICO® 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:

✅ 𝗛𝗔𝗩𝗘 𝗔 𝗚𝗢𝗢𝗗 𝗠𝗜𝗫 𝗢𝗙 𝗔𝗖𝗖𝗢𝗨𝗡𝗧𝗦
It's good to have different types of accounts on your report, such as: Revolving (credit cards), installment (car loans, mortgage, student loans)
✅ 𝗔𝗟𝗪𝗔𝗬𝗦 𝗣𝗔𝗬 𝗬𝗢𝗨𝗥 𝗕𝗜𝗟𝗟𝗦 𝗢𝗡 𝗧𝗜𝗠𝗘
One late payment will lower your score and will remain on your credit report for up to 7 years
✅ 𝗞𝗘𝗘𝗣 𝗬𝗢𝗨𝗥 𝗖𝗥𝗘𝗗𝗜𝗧 𝗖𝗔𝗥𝗗 𝗨𝗧𝗜𝗟𝗜𝗭𝗔𝗧𝗜𝗢𝗡 𝗟𝗢𝗪
The best way to use credit cards is to keep its usage at 10%. Don’t hit your credit limit!
Credit history age
❌ 𝗗𝗢𝗡'𝗧 𝗖𝗟𝗢𝗦𝗘 𝗬𝗢𝗨𝗥 𝗢𝗟𝗗 𝗔𝗖𝗖𝗢𝗨𝗡𝗧𝗦.
Even if it’s credit card that you don’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.
❌ 𝗗𝗢𝗡'𝗧 𝗔𝗣𝗣𝗟𝗬 𝗙𝗢𝗥 𝗧𝗢𝗢 𝗠𝗔𝗡𝗬 𝗖𝗥𝗘𝗗𝗜𝗧 𝗖𝗔𝗥𝗗𝗦, 𝗟𝗢𝗔𝗡𝗦, 𝗘𝗧𝗖.
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! 💸

06/27/2021

THEY LIE TO SCARE YOU (PART I)❗️
Today I will talk about tactics that SOME collection agencies use to make you pay 💸
❌ 𝗧𝗛𝗘𝗬 𝗧𝗛𝗥𝗘𝗔𝗧𝗘𝗡 𝗧𝗢 𝗛𝗔𝗩𝗘 𝗬𝗢𝗨 𝗔𝗥𝗥𝗘𝗦𝗧𝗘𝗗
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).
❌ 𝗧𝗛𝗘𝗬 𝗖𝗔𝗟𝗟 𝗬𝗢𝗨𝗥 𝗝𝗢𝗕, 𝗡𝗘𝗜𝗚𝗛𝗕𝗢𝗨𝗥𝗦 𝗔𝗡𝗗 𝗥𝗘𝗟𝗔𝗧𝗜𝗩𝗘𝗦 𝗜𝗡 𝗢𝗥𝗗𝗘𝗥 𝗧𝗢 𝗖𝗢𝗟𝗟𝗘𝗖𝗧 "𝗗𝗘𝗕𝗧"
This is also violation of FDCPA.
❌ 𝗧𝗛𝗘𝗬 𝗧𝗛𝗥𝗘𝗔𝗧𝗘𝗡 𝗧𝗢 𝗚𝗔𝗥𝗡𝗜𝗦𝗛 𝗬𝗢𝗨𝗥 𝗪𝗔𝗚𝗘𝗦
This is very common lie . Wages can not be garnished without a court order and judgment.
❌ 𝗧𝗛𝗘𝗬 𝗦𝗘𝗡𝗗 𝗬𝗢𝗨 𝗖𝗢𝗨𝗥𝗧 𝗦𝗨𝗠𝗠𝗢𝗡𝗦
Another scare tactic. You cannot be sued if they fail to prove that debt is yours.
Follow this steps to avoid lawsuits against you:
👉🏼𝗡𝗘𝗩𝗘𝗥 𝗗𝗜𝗦𝗖𝗨𝗦𝗦 𝗬𝗢𝗨𝗥 𝗙𝗜𝗡𝗔𝗡𝗖𝗜𝗔𝗟/𝗖𝗥𝗘𝗗𝗜𝗧 𝗦𝗜𝗧𝗨𝗔𝗧𝗜𝗢𝗡 𝗢𝗡 𝗧𝗛𝗘 𝗣𝗛𝗢𝗡𝗘. Every conversation with collection agencies must be documented in writing.
👉🏼𝗔𝗦𝗞 𝗣𝗥𝗢𝗙𝗘𝗦𝗦𝗜𝗢𝗡𝗔𝗟 𝗧𝗢 𝗗𝗜𝗦𝗣𝗨𝗧𝗘 𝗔𝗟𝗟𝗘𝗚𝗘𝗗 𝗗𝗘𝗕𝗧 𝗪𝗜𝗧𝗛𝗜𝗡 30 𝗗𝗔𝗬𝗦 𝗣𝗘𝗥𝗜𝗢𝗗 𝗔𝗙𝗧𝗘𝗥 𝗧𝗛𝗘 𝗟𝗘𝗧𝗧𝗘𝗥 𝗪𝗔𝗦 𝗦𝗘𝗡𝗧 𝗧𝗢 𝗬𝗢𝗨. You can also do it by yourself.
👉🏼 𝗔𝗟𝗪𝗔𝗬𝗦 𝗖𝗛𝗘𝗖𝗞 𝗬𝗢𝗨𝗥 𝗖𝗥𝗘𝗗𝗜𝗧 𝗥𝗘𝗣𝗢𝗥𝗧 𝗙𝗢𝗥 𝗠𝗜𝗦𝗧𝗔𝗞𝗘𝗦. Any negative item or remark can lower your credit score.

Have you ever been threatened by collectors?

06/26/2021

Have a wonderful weekend ☀️💫

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Miami, FL

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