Williams Credit and Financial Services

05/26/2023

📢 Attention, everyone! 👋 Listen up for some essential advice on how I can help you level up your financial game and help you 💼💪

💡 Let's debunk the misconception that bankruptcy is the ultimate fix for your credit woes. 🛑💳 While it may provide temporary relief, it comes with long-term consequences for your creditworthiness. 📉🚫

⚠️ But fear not, because I'm here to guide you towards the right moves that can truly elevate your financial situation. 💼✨

✉️ Drop me a DM and let's have a chat about your unique circumstances. 📩 Together, we'll devise a tailored strategy to tackle your credit repair goals , home ownership goals, debt elimination goals, And in by head-on. 💪💰

🚀 Say goodbye to the struggles of bankruptcy and let's make empowering financial decisions that will set you on the path to success. 💼📈

If you want to own a home and neee resources , I am a part of the LARGEST HOMEOWNERSHIP campaign in America !

Drop 🏠 to see if you qualify for some of our resources!

05/24/2023

🚨CREDIT TIP🚨

A collection company cannot put a lien on your home or garnish your wages just because they purchased your collections account.

How Often Do Debt Collectors Take You to Court?

According to an article done by a NY debt attorney in 2021:

“Roughly 15% of Americans who have been contacted by a debt collector about a debt have been sued, according to a 2017 report by the Consumer Financial Protection Bureau.

The circumstances surrounding the decision to file a lawsuit can vary from situation to situation. But in general, lawsuits can be expensive, so collection agencies typically won’t sue... Instead, they’ll try other tactics…[ONLY 15% of the time] they attempt to sue once they’ve exhausted their alternatives.”

🛑 STOP LETTING THEM THREATEN YOU!! 🛑

BIG “IF” you are one of the 15% they decide to pursue, they have to file a judgement against you, you will be served papers, you have a right to be heard in the court of law, and they have to prove the debt is 100% yours and that it’s 100% accurate. ***If you’re in the 15% we have attorneys onboard that can help you resolve your account(s)

Reminder:
80% of credit files have ERRORS!! The credit bureaus are NOT government entities, they are privately owned companies that make billions upon billions of dollars off our financial information. Know your rights as a consumer and don’t let collection agencies intimidate you!!

If you are in a situation where you have debt collectors threatening you let’s connect so we can help you resolve these matters!!

05/24/2023

🔥🔥Credit Tip🔥🔥

👉🏾Know Exactly Where You Stand And Where You Want To Go‼‼

👉🏾Knowing your credit score can help you with making smarter overall financial decisions, such as choosing credit products that can help you build or rebuild credit. It can also help you to keep your credit score in a higher range as you monitor your credit report for inaccuracies.

👉🏾Being mindful of your credit score can allow you to predict with more accuracy whether or not a loan or a credit application will be approved and if you will be able to qualify for a lower interest rate when you borrow.

05/24/2023

HOME BUYING TIPS!!!

1. Improve your credit score: While it may take time, working on improving your credit score is crucial. Pay your bills on time, reduce your debts, and correct any errors on your credit report. Consistent efforts to boost your credit score will increase your chances of getting a mortgage with favorable terms.

2. Save for a larger down payment: A larger down payment can help compensate for a low credit score. It shows lenders that you have a stake in the investment and reduces their risk. Saving diligently to increase your down payment can improve your chances of getting approved for a mortgage.

3. Explore government-backed loan programs: Look into loan programs offered by the Federal Housing Administration (FHA) or the U.S. Department of Veterans Affairs (VA). These programs often have more flexible credit requirements and lower down payment options, making homeownership more attainable.

4. Consider a co-signer: If possible, find a co-signer with a stronger credit profile to help you secure a mortgage. A co-signer is someone who agrees to be responsible for the loan if you're unable to make payments. Their good credit can boost your approval chances.

5. Shop around for lenders: Different lenders have different criteria and may be more willing to work with borrowers who have low credit scores. Research and compare lenders, including credit unions and online mortgage lenders, to find those that specialize in working with individuals in your credit score range.

6. Focus on your financial stability: Lenders consider more than just your credit score. Demonstrate a stable employment history and income, minimize your existing debts, and maintain a consistent savings pattern. A strong overall financial profile can help offset a lower credit score.

7. Get pre-approved for a mortgage: Before starting your home search, get pre-approved for a mortgage. It gives you a clear idea of your budget and shows sellers that you're a serious buyer. Pre-approval also allows you to identify any credit issues upfront, giving you time to address them before finalizing the loan.

8. Work with a housing counselor: Consider seeking guidance from a HUD-approved housing counselor. They can provide valuable insights, help you understand the homebuying process, and offer advice tailored to your specific financial situation.

💭Remember that while low credit scores can present challenges, they don't necessarily prevent you from becoming a homeowner. With patience, persistence, and careful financial planning, you can work towards improving your credit and achieving your goal of homeownership.

04/27/2023

💎CREDIT TIP Thursday 💎
Six Items That Have The Worst Impact To Your Credit:

💎Charge-offs - Remains on your credit for 7 yrs
💎Collections - Remains on your credit for 7 yrs
💎Bankruptcy - Remains on your credit 7-10 yrs
💎Foreclosure - Remains on your credit for 7 yrs
💎Tax Liens - Remains on your credit 10-15 yrs
💎Late payments - Remains on your credit 7 yrs

If any of these items are currently listed on your credit report(s), you may want to look into disputing them to have them removed, as these are known as “Silent Killers” in the credit world.
For help on how to dispute these items or for more information, contact me! ☺️

03/30/2023

In case nobody told you today….You’re SPECIAL ‼️❤️❤️❤️

03/23/2023

03/07/2023

ATTENTION! If you have less than 750 score & ready for change. I have a team of Attorneys that LEGALLY helps with negative things...repos, foreclosures, late payments, medical bills, student loans, evictions…!Comment info👇🏼

03/06/2023

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