Build Something 4 Yourself BS4YS

01/09/2026

01/07/2026

All credit can be RESTORED, REBUILT & RECYCLED. You just have to learn from previous mistakes, put in the work, stay consistent, and be disciplined. Tap in with a coach / mentor to show you how to do it yourself or pay them to do it for you.

01/05/2026

Your FICO credit score is based on 5 factors:
*Payment History 35%
*Debt Ratio (Utilization) 30%
*Credit Age (Length) 15%
*Mix of Credit (Type) 10%
*Inquiries 10%

01/02/2026

This is a GREAT way to boost your scores and add age to your payment history! You know you have outstanding rental history and pay on time, tap in with one of these rent reporting services like Rent Reports, Rock The Score, etc...

These companies will report your on time payments to the credit bureaus, as well as back date your payment history when you setup your account.

01/02/2026

Happy New Year Family! 2025 is gone. I hope you enjoyed yourself over this past holiday season, but now it's time to lock in. Let's Get It 2026!!

12/31/2025

There's a difference.

12/29/2025

You can most definitely improve your credit profile and scores within 3 to 6 months with the right strategy in play. If you need help putting the plan together, click the link in my bio to access your reports and book your FREE CONSULTATION!

12/24/2025

Most credit professionals will tell you to NEVER PAY a COLLECTION. In my experience, it depends on the situation. Ask yourself...
What's the goal (Buy a House, Get Funding, etc)? What's my timeframe? What collection agency has the debt? What's the amount old? Is it actually my debt? Do I have the bread to knock it out? If not, how can I get it?

Here are 2 of the main collection agencies, I see on most files, that will delete if you negotiate a settlement (Midland & LVNV Funding). If you need help or have questions concerning your credit, click the link in my bio and book your FREE CONSULTATION!

12/22/2025

The first step to improving your credit is to access a copy of your report and scores. You can get your annual reports (Transunion, Experian & Equifax) for FREE at https://www.annualcreditreport.com/index.action

Note: It's just the reports not your scores. You have to pay a small fee for the scores.

We personally use MyScoreIQ to access our clients tri-merge report w/ their FICO Scores, including the industry scores. Click the link in my bio to get your report and scores for $1.

12/05/2025

📢 BIG ANNOUNCEMENT 📢

I need to tell you something that's been on my heart.

For over a decade, I've been helping people repair their credit. And I LOVE what I do. But I kept seeing the same painful pattern:

People would fix their credit, get excited, start looking at homes... and then get stuck. Confused by the mortgage process. Rejected by lenders who didn't understand their situation. Frustrated and ready to give up.

I couldn't watch it anymore.

So I created something different.

🏡 FAST TRACK TO HOMEOWNERSHIP VIP PROGRAM 🏡

This isn't just credit repair. This is a FULL JOURNEY from "credit-challenged and confused" to "mortgage-approved and holding keys."

Here's what you get:
✅ Aggressive credit repair strategy
✅ Weekly coaching calls with me personally (accountability + encouragement)
✅ Mortgage preparation roadmap with my trusted lender partners
✅ Direct realtor introductions in San Antonio, Houston, Austin, or Dallas
✅ Document prep, underwriting support, and closing day hand-holding

I don't disappear after 6 months. I'm with you until you WIN. 🔑

Limited to 5 VIP clients per month.

If you've been renting for YEARS and you're ready to finally OWN...
If you're tired of building someone else's wealth...
If you want someone in your corner who's been where you are and knows the way out...

This is for you.

Comment "INFO" below or message me directly. Let's make 2026 YOUR year.

YOU ARE WORTH IT. 💛

Book your free consultation: https://linktr.ee/CoachDWilliams
Coach D. Williams
Credit & Funding Specialist | Build Something 4 Yourself LLC