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Good credit is important. Our services are geared towards educating and helping individuals establish/ improve and maintain their credit score.

26/06/2024

Fact or Fiction….Every Debt Lowers your Credit Score? Do all debts have a negative impact on your credit score?

20/08/2023

It’s time to send up some timber ~ call on your Angels of Abundance to get your finances and credit moving in the right direction! Use what you have to get what you need!

24/10/2022

Did you know……debt collectors must send you a Notice of Debt within 5 days of their first contact with you. So if you receive a telephone call ☎️ from a creditor trying to collect on a debt 💸 the law requires that they send you written documentation about the debt they are trying to collect on. This notice must contain much more information than the notices that collectors sent under the prior debt collection rules.

It is important that the notice of debt contain information that allows you to determine whether the Statute of Limitations on the debt has expired and if it has the debt collector has no legal standing to collect on said debt.

Reviewing your credit monthly allows you to determine if new collection accounts have been place on your credit report that you never received a written “Notice of Debt”. If this happens the derogatory account can be removed from your credit file. Schedule a consultation with us to learn how we can help you.

20/10/2022

So when talking about your credit should you focus on your Credit Score or Your Credit Report? Some people say it doesn’t matter…. Let’s talk about if it does or not. What do you think 🤔 🤔. Post your comments below👇🏾👇🏾

18/08/2022

Today’s Credit Tip: Make a plan and then stick to it. Doing this can help Uptick your Credit Score… for example, 30 -45 days BEFORE you plan to purchase a vehicle, apply for a personal loan or get a mortgage get your credit utilization down to between 3 -5% of your available credit. Taking this proactive step at least one full billing cycle before you apply will increase your credit score.

28/07/2022

The biggest issue with this announcement is the business & consumer lending market may quickly dry up as banks pull back on loans to conserve capital and limit risk, and an increasingly smaller percentage of business owners and consumers will be met with stricter credit requirements. This is simply more incentive to improve your personal credit.

If you thought borrowing money was expensive before, the cost 💲💲just went up ⬆️.

Schedule a consultation with Credit Uptick to help you identify what your next step should be.
should be thinking 💭 about how to make sure your credit has you in a position to weather this weakening financial climate upon us.

14/07/2022

Not everything you find on the internet concerning what does and does not affect your credit is accurate. Here’s something I found that is absolutely NOT TRuE!!!!!

Here's what you need to know about personal information on your credit report and what information does and does not impact your credit score.

1. Addresses have no impact on your creditworthiness or your credit scores. Your current and previous home addresses, as well as the addresses of employers or places where you may have received mail appear on your report purely as identifying information. {This is FALSE}

2. It’s ok for your credit report to show any address, past or present, that you've listed on an account with your name on it, even if you didn't live there. This could include post office boxes, work addresses, home addresses or the address of someone you have a joint account with. { This is FALSE }

3. If you find an address you don't recognize on your credit report, it will not negatively impact your credit report. {FALSE }

4. You don't need to dispute old, legitimate addresses on your credit file as they're left there for identity protection purposes and have no impact on your score. { FALSE }

5. What is TRUE is that multiple addresses, multiple jobs, multiple phone numbers can and will mess up your chances of an approval or cause the credit algorithm to place you under a manual review. This is why it is important to make sure only your correct personal information is reflected on your credit report.

If you are disputing negative accounts on your credit report and having difficulty getting them removed schedule a consultation with me. Send us a message so we can advise you on how to proceed to get the results you need.

06/07/2022

My client made one late payment and this is what happened. When we are heading into a recession meaning …..there is zero room for error. Put your bills on automatic payment, keep your utilization low and don’t overspend!

30/06/2022

Most people know a few factors that determine what their new Credit Card 💳 Limit will be but are completely surprised when they don’t get the limit they thought 💭 they would. How well versed are you in what Creditors use to assign your limit?? I’ve listed a few in this post but the real question is are they factual or fake?

28/06/2022

You log into your bank 🏦 account and discover you have a direct deposit 💵 for over $7k dollars that 1) You were not expecting, 2) You don’t know where it came from and 3) You think 🤔 it may be an error. What do you do next ???
A- Withdraw the money 💰 and put it in another account.
B- Call ☎️ the Bank to get more information about this mystery deposit.
C- Pray and thank God for this unexpected blessing.
D- Just wait 7 days incase it was an error and gets reversed.

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Opening Hours

Monday	09:00 - 18:00
Tuesday	09:00 - 18:00
Wednesday	09:00 - 18:00
Thursday	09:00 - 18:00
Friday	09:00 - 18:00
Saturday	09:00 - 13:00

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7325523022

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