Izz's Credit Counseling Service

01/07/2025

Imagine running out of gas a mile before the exit. No big deal. Triple AAA arrives and runs the scanner. You find out its not the gas after all but the oil pump that went out. The car has to be towed. You're late for work and so you quickly hand the driver your credit card. Declined. 2nd time. Declined. This cant be right. There's 20k on that card. Frustrated you call the number on the back of the card only to learn that the credit card company closed your account due to negative items on your report. Not to mention you don't carry cash! Do you quit? Or do you take steps toward better credit?

12/30/2024

I heard that whatever you tell yourself if you truly believe it will manifest. And so I hope that as an adult you have the belief to still chase your dreams. With kids, married or single. Too many of us have just accepted life as it is when we have the power to change it.

Good credit can definitely change your financial life. Six months can take you from bad to good! Credit stacking with a plan can give you leverage that years of saving from a job can’t. The key is having a plan.

Wishing everyone a productive 2025. If one of your goals is to Fix Your Credit contact me through email or text:
[email protected]
949-762-2121

Izz Credit services helps improve credit scores by correcting errors, disputing unfair items and providing guidance on rebuilding credit.

10/24/2024

Adult Report Card

Many moons ago I was a high school student with average grades. At the time I didn't care because I was mainly interested in sports and girls. Back then you'd have to ask me about my grades. I wouldn't volunteer that information.

Years had passed, and I'm struggling financially like always. My white F150 engine blew up. I scrambled up the last of my savings. Twenty five hundred to be exact, and replaced the engine. Three weeks later the transmission went out. Couldn't afford that so I was forced to sell the truck.

I created a craigslist ad labeled Mechanics Special and agreed to sell it for 1500. On the way there the car completely shut down. I called a tow and the buyer seeing it removed from the tow truck changed his offer. 800 bucks. Damn. I needed it. Left there to a car dealership hoping I could walk out with something. Not a chance. They wanted 4k down on a Honda Civic. My credit score was 578.

I was referred to a credit repair guy who like a charming lawyer talked great but did nothing. Six months in, nothing had changed. I felt helpless. As a man with kids I had to provide. And so I took action. I studied everything credit. Read https://ficoforums.myfico.com/. Asked questions. I became the student I never was in high school. In time I fixed my own credit. Afterwards I fixed my brothers credit. Then most of my friends. Over the years it has become my passion.

I know what having bad credit feels like. I know that its sometimes easier not deal with it. Feels better that way. I also know that having good credit can change your life. It'll definitely save you money. Also give you a safety net. But what if I mess up my credit again? What if you never fix it? As an adult we're still being graded. The Adult Report Card is our credit score.

You can definitely fix your own credit. Alternatively if you want professional help we can setup a call

https://calendly.com/izzcredit/phonecall

All FICO® Score products made available on myFICO.com include a FICO® Score 8, and may include additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

05/07/2024

Credit is only important when an individual is….Looking to buy a house. Looking to purchase a car. Looking to take out a loan.

But why don’t we as consumers view it as important all of the time?

Well, because we don’t need it all of the time.
And honestly speaking we’re not educated on the topic. Which is by design.

Can you name a school that has a credit curriculum?

Probably not.

The point is credit should be talked about in every household.

You’re doing the economy a disservice by not learning it.

12/27/2023

By having good credit you save thousands. Once or if you have good credit contact the lenders and ask them to lower your APR.

09/03/2023

Before applying for credit cards watch this!

08/21/2023

Score increases like this can happen!

08/07/2023

Consistency is 🔑

08/07/2023

Credit Repair is a process. Please don't let social media tell you otherwise.

If you want a higher score you need 10-20 positive accounts. That includes no late payments. Utilization under 30 percent, and credit history over 5 years.

If you don't have any of this its okay. Start from where you are.

If your profile is empty:

1. get a secured card or two.

2. Report your rent(Rental Kharma, Rent Reporters)

3. Get a secured loan (Navy Federal, etc)

4. Add an authorized user or three.

When this is accomplished your score will be in the 700s. This is the fastest way to good credit.

07/06/2023

We specialize in helping clients clean their credit and business owners receive funding….,