Habits & Credit

Habits & Credit 🌟 Join Habits & Credit! Fix your credit, gain education, and secure your tomorrow today! 💪✨

11/12/2024

Part #1 of Fixing your CREDIT & MONEY problems‼️

You’re BROKE because you don’t understand MONEY‼️
Check comments👇🏾

09/17/2024

Start putting people on an information DIET!! You don’t need to tell everyone what you are doing💭

09/16/2024

Chase will give your NEW Business up to $150k💰interest FREE for 12 months.

But people rather scam and now they’re negative 20k‼️ 🤦🏽‍♀️

09/16/2024

Credit repair companies CANNOT fix YOUR behavior‼️
You have to get to a place where you can control your actions. Credit is a responsibility! This is why financial literacy is soooo important. We are always looking for a “quick fix” to what WE THINK is the problem, not realizing that in actuality, the problem is OURSELVES!

09/16/2024

CREDIT TIP🚨

If a credit bureau is trying to be “tough” and not removing any obsolete PERSONAL INFORMATION i.e old addresses, names, etc. you would like removed from your credit file, consider going to a UPS store or any other notary to do the following...

🔑Take a bill with your current address, along with your drivers license and get both notarized. Mail them to the credit bureaus request the obsolete information to be deleted, and watch the old addresses disappear.

This is will help when disputing to remove any old accounts that are associated with the former address❗️

Now, watch your score increase! You're welcome 😁

09/12/2024

Check your FICO scores when you want a new car, house, loan etc ‼️ FICO has different scores depending on what you are applying for‼️

09/11/2024

👀👀👀👀everyone reading this has a stalker and don't even know it

09/09/2024

To repair your CREDIT you either need
Time ⏰
Or
Money 💰

09/09/2024

Any info regarding CREDIT you read online or see on TikTok, double check it with the law so many people have no clue what they’re talking about. The blind leading the blind!!! 🤦🏽‍♀️

09/08/2024

‼️ TWO things to know if you have negative accounts‼️

7 Year Rule & Date of first Deliquency: The first time you were late that leads to the account being charged off/ sent to collections is when the 7 year period starts. It does not matter how many times the account is sold to a different company it still follows the date from the original account.

It is exactly 7 years and 180 days from date of first deliquency!!

Statute of limitations: This is how long they have to sue you etc. This is specific to your state but in NY statue of limitations in debt is 3 Years.

Acknowledging an account is yours or paying even $0.01 will reset the statue of limitations and restart the clock ⏰

09/07/2024

You can’t afford to FIX your credit, but you can afford to drink, eat out, and take trips. When you need a car or a place to live, go ask delta to cosign for you since you COULD afford the flight. ✈️

09/07/2024

You are LOOSING points by letting all your cards report a $0 balance.

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