Langi Credit Services

12/07/2021

You probably already know that you should avoid applying for new credit when you’re in the market to buy or refinance a home, but it’s not always obvious what causes a credit pull. Want to learn more? DM me now!

11/16/2021

Congratulations Amy!! Another jump in her credit score means she's had a 54 point jump since October 25!! We fully expect she will pass 700 in the next week or so!! (Results of clients are shared by permission only)

11/12/2021

Kikoff is easy to start, you just sign up and they will give you an automatic $500.00 credit limit and charge you a $24.00 annual fee that you pay off over the year by paying just $2.00 a month. They do not do a hard inquiry on your credit report and report to two of the three credit boroughs. This is ideal for the person who is at the start of their credit building experience and for those with credit scores of 650 or below, who don't have the funds for major purchases and can't afford to have more inquiries appear on their credit report

Kikoff is the only credit building program intentionally designed to keep your utilization rate low. If you’re wondering how to build credit easily and affordably, look no further. No credit check required, just take 3 minutes to sign up - available online and through mobile app.

11/11/2021

Congratulations Amy, for your credit score increases!! Another work still in progress

11/10/2021

What goes into and affects your credit score, we put the chart together for you:

Ko e ha e meʻa ʻoku hoko pea uesia ai ho maaka fakamoʻua? ʻOku mau fokotuʻutuʻu fakataha ʻa e sātí maʻau

Faka'aongai 'e Credit (Credit Utilization) 30%
hisitōlia ʻo e fakamolé (Paymentl History) 35%
Lōloa ʻo e hisitōlia ʻo e credit (Length of Credit History) 15%
Ngaahi Fakaʻekeʻeke Faingataʻá (Hard Inquiries) 10%
Tuifio ʻo e Ngaahi ʻAkauni Credit (Mix of Accounts) 10%

11/06/2021

Transunion score September 15 was 614, now 736 with another incredible jump this week. That's a 122 point jump in just over a month and a half, good job Andy, we hope this continues!

11/06/2021

Andy's Equifax score has taken a jump too, 619 September 15, now 744 a 125 point jump in a little over a month and a half