Fresh Beginnings Consulting Services

11/10/2021

💫 Do you feel that credit is racially driven? Read more here: https://www.cbsnews.com/news/cfpb-credit-report-error-black-hispanic-dispute/ 💫

- Regardless if credit is racially driven or not you can still position yourself accordingly

‼️ CLICK THE LINK IN THE BIO TO GET STARTED ‼️

10/07/2021

💫 Are you in need of a HELOC? Looking for lower interest rates? The real question is what credit score would you need to receive the best rates? 💫

• 620 - 660 may qualify you
• 720 - 740 will give you the most favorable rates and terms

Read the full article here: https://www.marketwatch.com/story/some-heloc-rates-start-at-around-2-right-now-what-credit-score-do-you-need-to-get-the-lowest-rates-01632755829

09/23/2021

💫 It’s no secret that in order to obtain funding or even credit cards you need to have good credit! The money obtained will either be your master or your servant. 💫

CLICK THE LINK IN THE BIO TO GET STARTED ‼️

09/22/2021

💫 Times continue to change, and the times we’re heading in could truly level the playing field as it pertains to credit! 💫

Click on the link to read the full article: https://www.cnbc.com/2021/07/28/how-lenders-incorporate-alternative-data-in-your-credit-score.html?__source=iosappshare%7Ccom.apple.UIKit.activity.Message

If your credit score starts with 3,4,5 or 6, CLICK THE LINK IN THE BIO TO FIND OUT YOUR OPTIONS ‼️

09/16/2021

💫 It’s bad enough you have to deal with the stress of the mistakes made in the past. It’s another thing when debt collectors keep calling you to remind you of those mistakes. So what do you do? 💫

#1 - Pick up and acknowledge your name ONLY‼️

#2 - Stop them in their talk track and state that you don’t know who they are and you DO NOT give them authorization to contact you by phone‼️

#3 - Inform them that they may contact you via mail with the address they have on file‼️

#4 - Get with a professional who can help you make them disappear permanently‼️

CLICK THE LINK IN THE BIO FOR YOUR FREE CONSULTATION ‼️

09/13/2021

💫 Credit cards can be a blessing and a curse when it comes to your credit file. Understanding how to use it to your advantage to a key step when it comes to raising your credit score! 💫

💎 Find out when the company reports your balance to the bureaus

💎 Have a budget in place to ensure you’re not overspending

💎 Make sure your balance is below 30% every month

09/09/2021

💫 Life has a funny way of putting us in a situation where we have no choice but to acquire knowledge. Understanding your credit and how it works is vital, and can also make you a fortune if used right! 💫

You deserve to free yourself from the shackles of low scores and the lack of not knowing how to do so.

CLICK THE LINK IN THE BIO TO GET STARTED‼️

09/06/2021

💫 Ever pull your credit report and wonder what you were looking at⁉️ If so, check out our latest blog on how to properly read your credit report‼️💫

Check out the blog here: https://freshbeginningsconsulting.com/blog/f/how-to-read-your-credit-report

09/04/2021

💫 Changing our perception about credit and money can be difficult; especially if you were never given the proper information pertaining to the 2 💫

Remember that credit is KING‼️

If your credit starts with 3, 4, 5 or 6 you need to give us a call today‼️

CLICK THE LINK IN THE BIO TO GET STARTED‼️

09/02/2021

💫You’ve probably seen this before, but for those that are new to credit or may need a little extra guidance here are 7 steps to consider! 💫

1. Check your credit report - have to know what you’re dealing with

2. Get any errors (negative accounts) off of your credit - negative items can hold your scores down by 20 or more points each

3. Pay your bills on time! - you can also dispute some late payments on your file

4. Keep your credit card utilization below 30% - keeping it between 3%-7% is gold

5. Pay down other debts - this keeps them from becoming a charged off or collection account in the future!

6. Keep old credit card accounts open - doesn’t matter if you don’t use it, this helps with the age of your credit file

7. Don’t take out credit unless you need it - i.e. you’re looking to invest into something that will bring you good ROI

8. CLICK THE LINK IN THE BIO - we provide a FREE consultation to help you better understand your current situation

08/30/2021

08/27/2021

💫 Credit shouldn’t only be something that is important when you are looking to make major purchases! More and more people are learning and finding new ways to create passive income with their credit cards 🤯 💫

💎 Turn your credit into cash‼️
💎 Book FREE trips like most people do now‼️
💎 Have your payments take off of your annual fees‼️