Credit Therapy With Patty

Credit Therapy With Patty Get all negative items removed from your credit profile with Transunion, Experian & xds.

02/07/2024

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Clobber Designs
Clutter Clobber
ClobberBall
Grazer's Market
ALICIA GRAZER
Jack Dylan Grazer Latinoamérica
The Texas Grazer
Beach Grazer
Grazer's - Bowman, ND
Grazer's Chop House
Space Grazer
Grazer's - Newcastle, WY
the grazer co.
the grazer co. + Coffee
The Lone Grazer Creamery
Jon M. Grazer, MD, MPH, FACS
The Happy Grazer
Team Grazer
Social Grazer
Grazer

02/07/2024

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Rita nalia
icitizen
Renta De Vestidos
Dress 4 Rent - Brownsville
Brand Dress
Dress
Dress Me
Dress Me
Pitta
𝚂𝚊𝚝𝚞𝚛𝚍𝚊𝚢 𝓪𝓷𝓭 𝓗𝓾𝔂𝓮𝓷
Saturday AM
Bestsaturdayparty at Taj II
This Saturday
Saturday Night Golden Retrievers
Mister Saturday Night
Austin Saturday Night
30L Saturday
Saturday Night Rewind
Pull Up Saturday’s
Saturday Arabic School of south Florida

Progress matters 🔥🔥🔥
17/06/2024

Progress matters 🔥🔥🔥

From 614 score to 676 in just 3months that’s whopping 62 points up ✅✅✅ Contact 0792879425
08/06/2024

From 614 score to 676 in just 3months that’s whopping 62 points up ✅✅✅
Contact 0792879425

Know your credit score
06/06/2024

Know your credit score

Know the difference ♥️♥️♥️
04/06/2024

Know the difference ♥️♥️♥️

💡Tips to Avoid the Minimum Payment Trap💡👉Make multiple, smaller payments. One lump sum can often feel like a significant...
01/06/2024

💡Tips to Avoid the Minimum Payment Trap💡
👉Make multiple, smaller payments. One lump sum can often feel like a significant hit to your account. Instead, make several smaller payments throughout the month in order to keep costs manageable.
👉Take advantage of low-interest rate credit cards. Another option is to transfer the outstanding balances to your credit card with the lowest interest rate when dealing with multiple credit cards. This allows you to pay the least amount of interest possible while trying to get your debt under control.
👉Budget for credit card expenses. Treat your credit card payment the same as other monthly expenses, such as your utility bills or rent/mortgage. This will ensure you have money set aside to pay down your credit card debt each month.
👉Always pay credit card bills on time. Lenders can typically increase your interest rate if payments are not made on time, or you exceed your credit limit.
👉Create a payoff plan. Set a deadline for each credit card and then determine the length of time it will take to pay off the balance.
💡Keep in mind that interest will continue to accrue while working to pay off the credit card. It’s essential to pay as much as possible, when in the position to do so, and keep the minimum payment months as limited as possible.

📌 NEVER PAY A COLLECTION WITHOUT A “PAY-FOR-DELETE”📌 🚨Paying off a collection can actually hurt your credit scores becau...
24/05/2024

📌 NEVER PAY A COLLECTION WITHOUT A “PAY-FOR-DELETE”📌

🚨Paying off a collection can actually hurt your credit scores because you end up updating the date-of-last-activity on your report.
This date change keeps that account on your credit report longer, and the bureaus read the pay-off as recent negative activity which adversely affects your credit scores..

🚨There is only ONE way to fix credit -- remove the negative items from the report.

🚨Paying them to $0 balances won’t help.

🚨If you get a negative item deleted from your report, future creditors will NEVER know it was ever there to begin with.
And your credit scores will react to the deletion the same way.
They increase as if the negative account was never there.

🚨To fix credit, you MUST have the item deleted.
This is why we advise clients to never pay off their negative items without trying to first submit a dispute and get an investigation.

🚨Your leverage is the balance you still owe on the debt, and the fact that the creditor or collection company wants to still get paid.
This is the leverage you will need to use to negotiate getting the item DELETED from your credit report.

🚨You DON’T want to have the creditor tell you they will UPDATE your account or report it as a $0 balance.

🚨You must make it crystal CLEAR that you want the item DELETED from your report, and that is the only way you will pay off that debt.
This process is called Pay-to-Delete for obvious reasons. You are PAYING the balance due to have the item DELETED from your report.

20/05/2024
17/05/2024

Night promo

Dispute inaccurate reporting with us
17/05/2024

Dispute inaccurate reporting with us

Address

Pretoria East
1055

Telephone

+27272879425

Website

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