Pursuit of Wealth Consulting INC

Pursuit of Wealth Consulting INC Empowering individuals to achieve financial independence through education, personalized guidance, and unwavering support.

Led by Founder & Advocate for Financial Empowerment, Samia Scott, I am here to help you build the brighter future you deserve.

06/13/2026

Six months from now is December. And right now there are two versions of you that could be standing there.

The version that kept waiting. Kept meaning to start. Kept saying next month. And the version that made a decision today. Booked the audit. Looked at the full file. Started working a real strategy. And watched items come off the report, scores move, and approvals start going differently.

Both versions start right here. With the decision you make today. Sixty minutes in the audit. Six months in the Accelerator. Which version do you want to be in December. Link in bio.

🖤

06/12/2026

The story of Lazarus reminds us of something powerful:
By the time Jesus arrived, everyone else had already accepted the outcome.
The funeral was over.
The stone was in place.
Hope was gone.
But Jesus wasn’t finished.
Some of us have buried dreams, promises, opportunities, and even parts of ourselves.
Meanwhile, God is saying:
Who told you I was done?
Stay lifted, stay covered, and stay aligned.

06/11/2026

Your credit score is not the only thing that can stop a mortgage approval. Lenders look at your full picture.

A DTI that is too high.

Large unexplained deposits in your bank statements.

A job change during the application. New credit opened mid-process.

Unpaid judgments or tax liens in public records. Not enough reserves after your down payment
Any one of these can stop a deal that your score alone could not have predicted. Getting to the closing table requires preparing the whole picture. Not just the score.

Book your Credit Confidence Audit through the link in my bio and let us look at everything together. 🖤

06/11/2026

Your FICO score is built on five factors and if you manage all five intentionally the score follows.

Payment history is 35%. Pay on time every time. One late takes eleven months to recover from.

Utilization is 30%. Keep it at or below 6%. People with 800 plus scores average 6.5%. Length of history is 15%. Do not close your oldest accounts.

Credit mix is 10%. Different types of credit show lenders more capability.

New credit is 10%. Apply strategically. Every hard inquiry signals risk. These five factors are your entire score. Know them. Manage them. Build deliberately.

Book your audit through the link in my bio and let us look at how your file is performing across all five. 🖤

06/11/2026

Let’s be honest.

Some of us would’ve missed the ark waiting on another confirmation.
Waiting on another sign.
Waiting on more proof.

Waiting until we felt comfortable.
Meanwhile God had already given the instruction.

Obedience requires surrender.
And surrender requires trust.

Stop asking God for new directions when you haven’t followed the last ones He gave you.

Stay lifted, stay covered, and stay aligned.

06/10/2026

A 700 credit score will not save you if your debt to income ratio is too high. DTI is your total monthly debt payments divided by your gross monthly income. Most mortgage lenders want it at or below 43%. Some want lower. If your DTI is too high you can get denied even with great credit. You have two levers. Reduce what you owe monthly or increase your documented income. Know your DTI before you apply. Not after you get denied. The Credit Confidence Audit looks at your full picture including what your DTI looks like and what needs to move before your application. Book through the link in my bio. 🖤

06/10/2026

A 700 credit score will not save you if your debt to income ratio is too high. DTI is your total monthly debt payments divided by your gross monthly income. Most mortgage lenders want it at or below 43%. Some want lower. If your DTI is too high you can get denied even with great credit.

You have two levers. Reduce what you owe monthly or increase your documented income. Know your DTI before you apply. Not after you get denied.

The Credit Confidence Audit looks at your full picture including what your DTI looks like and what needs to move before your application. Book through the link in my bio. 🖤

06/10/2026

Authorized user accounts used to be one of the most powerful credit building moves available. FICO trended data changed that significantly. Lenders can now see two years of history on every account including exactly when it appeared on your report.

If an authorized user account showed up two months before your mortgage application the underwriter sees it. They know. And on something like a mortgage that account may carry very little weight in their decision.

Lenders want to see your primary accounts. How you manage credit in your own name. An authorized user account shows them how responsible the other person is.

Not you.

Focus on your own file. Pay on time. Keep utilization under 10%. Build real history in your name. That is what moves the needle. Book your audit through the link in my bio. 🖤

06/10/2026

This morning God shifted my perspective.

I was sitting there thinking about an outcome I wanted so badly.
And God asked me:

“What if the win already happened?”

Whew.

The win wasn’t the outcome.
The win was finding my voice.
The win was walking through fear.
The win was becoming someone I didn’t even know I could be.

Some of us are waiting for a result before we allow ourselves to feel peace.
Meanwhile God is saying:

Look at who you’ve become.
That’s the win.

Stay lifted, stay covered, and stay aligned.

06/09/2026

If you have a repossession on your credit report or a deficiency balance sitting on your file this is for you.
You have more options than they want you to know about.

Request debt validation in writing from whoever is contacting you. They must document who owns the debt and prove they are authorized to collect it.

Pull your original contract and look for the arbitration clause. Many subprime auto contracts have one and it can be one of the most powerful tools you have to formally challenge the debt and any violations in how the repossession was handled.

Look at how the actual repo was handled. Proper notice. Commercially reasonable sale process. Timely notification of the deficiency balance. These are legal requirements. When they are not followed you have grounds to challenge.

And understand this. Whoever owns your debt has their own cost calculations. Legal challenges and arbitration proceedings are expensive. A consumer who knows their rights is not the easiest target. That is your leverage.
You are not powerless in this situation. You are just working with incomplete information. Now you have more of it.

If you want someone to look at your full situation and help you build a real strategy book your Credit Confidence Audit through the link in my bio.

Address

1515 Market Street Suite 1200
Philadelphia, PA
19102

Opening Hours

Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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