JLuxe Financial Solutions

HAPPY NEW YEAR!!! 🎆🎈🎊 🎉🎉

All client updates will be going out tomorrow please be sure to check your email.

-Team J Luxe ❤️💫

CREDIT REPAIR PRICES ARE FROZEN UNTIL 01/02🤗🤗🤗

This will be JLuxe Financial Solutions final sale of the yearrr ALL credit repair prices have been frozen and you can sign up for credit repair starting at just $99 down and $99 monthly ‼️

🗣️ ITSSSS TIMMEEEEEE❄️❄️❄️☃️☃️☃️

CREDIT REPAIR PRICES ARE FROZEN UNTIL 01/02🤗🤗🤗

This will be JLuxe Financial Solutions final sale of the yearrr ALL credit repair prices have been frozen and you can sign up for credit repair starting at just $99 down and $99 monthly ‼️

Let us help you start the new year by getting the results you deserve ✅

Don’t have the funds to sign up for credit repair at this moment?

📣YOU CAN NOW SHOP J LUXE FINANCIAL SOLUTIONS DIGITAL PRODUCT STORE BY GOING TO https://jluxefinancialsolutions.myshopify.com/

J Luxe Financial Solutions Digital Product Store

Are you ready for J Luxe Financial Solutions product store!!?? 🎉🎉

Don’t have the funds to pay for credit repair at this moment? No worries my digital products will guide you in the right direction to clean your credit report.🙌🏽🙌🏽

You will be able to purchase separate letters ranging from $6.99 to $9.99 as well as purchase all of my letters for the price of $45.00

Let’s not go into the New Year concerned about our credit or wondering why we’re constantly being denied for funding or loans. When you have the key to your own success here ❤️💫

Release Date will be 12/22 mark your calendars🎉🎉🎉

Are you ready to take control of your finances before you step into the New Year?? 🫵🏽

Our Black Friday Blowout Sale has finally began 🤯🤯‼️‼️

You can now sign up for our Credit Restoration Program for only $299 down and $100 monthly ❤️💫

First 5 people to sign up will receive $99 off of the start up fee 🎉🎉🎉

This sale will go on until Midnight on Tuesday 11/28

📍 Tradelines are available

Text “READY” to (224)458-5068

Remember a down payment on your future is a INVESTMENT 🏡🚘

One thing about my clients they be excited about they results and here at J Luxe Financial Solutions we stand behind getting you the results you deserve! ♥️💫

Lol I had to ask him why are you thanking me we not even done turning up yet!!!😝😝

Click the link in our bio to schedule a consultation today!

Thank God it’s Friday and for this credit score increase 🥳🥳🥳 So happy for my client soon she’ll be graduating from my credit repair program. 🎉🎉🎉

♥️💫 SCORE UPDATE ♥️💫

10 deletions the second round!!! As you can see we still have a drop in scores which is due to credit card utilization.

It’s imperative that you guys don’t work against progress. As hard as I will work to increase your score, I need you to work just as hard practicing good credit strategies. NO LATE PAYMENTS, NO CREDIT INQUIRIES. NO COLLECTIONS.

Stay tuned for the release of our Money Management Planner that’ll help you get on board with your finances and help you to build better saving habits while increasing your credit score! 🤫🤫

💫💫 Credit Tip Thursday 💫💫

Credit Karma is NOT Free!

Credit Karma makes money off of the personal information you volunteered! 🤯

📌 Credit Karma is NOT a credit monitoring site! - They collect your information from the credit bureaus to create targeted campaigns based on your personal information
which makes Credit Karma an affiliate marketing site!

Credit Karma DOES NOT give you FICO scores! Which is what mortgage lenders use. 🎯

🗣Credit Karma provides you with Vantage scores (Not heavily used by lenders) 🙄

Credit Karma buys your information for pennies on the dollar, this is how they are able to provide you with updates every 7 days. ✍🏾

Why?... To get you to look at your scores and their AFFILIATE offers! You know, the offers for those credit cards that say you have a fair, good or very good chance of being approved for....🧐

Have you noticed they never say "You have a bad or poor chance⁉️”🤦🏽‍♀️

Apply, get denied
and now you have an inquiry on your credit profile. ⬇️

And those of you that are seeing you have a "chance" of getting approved for an American Express 💳 think again... You would be surprised to know, American Express only pulls from Experian for credit cards? 😰

🗣Here’s the killer part Credit Karma DOES NOT give you Experian credit report or scores ..

You need all 3 Fico scores in order to know what score the lender will use as it is the middle 😁

🇺🇸HUGE LABOR DAY SALE🇺🇸

If you’re looking for a sign to start your credit repair journey this is it!! CREDIT SWEEP for only $300 down and $99/monthly!!

WE REMOVE ALL NEGATIVE & INACCURATE ACCOUNTS FROM ALL 3 CREDIT BUREAUS

WE CAN REMOVE:
✅REPOS ✅COLLECTIONS ✅CHARGE OFFS
✅EVICTIONS ✅BANKRUPTCY ✅INQUIRES ✅LATE PAYMENTS
&MORE✅

TEXT “LABOR” to (773) 853-71163 To Get Started TODAY‼️

Please be sure to directly call or click the link in our bio to schedule a consultation. This will help us here at J Luxe Financial Solutions and YOU to make sure we are a good fit and to understand where you are far as your credit is concerned.

We look forward to helping you here at J Luxe ♥️💫

💫 Important Announcement 💫

Price Increase

We wanted to take a moment to share an important update regarding the pricing of our credit repair services. New pricing will go into effect as of September 1, 2023.

We have always been honest with our pricing, our prices are inclusive with no hidden fees.

I have had an overwhelming amount of support since the business started and we are so thankful for each and every one of you and your continued loyalty.

We work around the clock and go above and beyond to offer the best service. Before the month is over we will be letting everyone know how they can sign up for these amazing services in order for your process to run smoothly and to make there’s no confusion.

We truly value your trust and loyalty, and we want to assure you that this decision was not made lightly.

If you have any questions or would like to discuss any specific concerns, please feel free to reach out to us. Your satisfaction is of utmost importance to us.

Thank you for being a part of J Luxe Financial Solutions . We are as always, committed to you.

Thank you,

Team J Luxe ♥️💫

Client texted me this today and I couldn’t do anything but pull over and thank God I love seeing stuff like this to be able to service others by showing them what I’ve learned and am still learning means so much to me. It’s only up from here for her!

JLUXE FINANCIAL SOLUTIONS RELAUNCH COMING SOON !!!🙌🏽🙌🏽🥳🥳🥳

You having good credit and a understanding of credit is already putting your children at an advantage of having good credit as well.

Don’t be worried about 4/20 if your credit score is 420 🤣🤣 priorities people we want assets not liabilities 👏🏽👏🏽👏🏽💯

2023 if you do not do anything with your taxes use your money to advance your future 🥰 we love a credit score increase right !!??

✨ New Year Higher Credit Score🥳 ✨


Let this be the year you dedicate to getting your life on track. If you start now in 6months to a year you’ll be sitting in your new car, getting ready to close on your new home, and doing it debt free!

✨ Credit Tip✨

NEVER DISPUTE ONLINE!

It's no secret that credit is a part of your everyday life; & if your credit is challenged life can become pretty expensive. Auto Insurance rates are higher, homeowner's insurance rates are higher, even life insurance premiums are higher! Getting simple things like utilities for your home or apartment can be expensive with bad credit, or trying to get a new cell phone company can become expensive with bad credit.. So what do you do? Fix it!

Fix it by paying down your open and current debts (utilization makes up 30% of your total credit score). Not paying late! This makes up 35% of your total credit score! But also knowing how to dispute the inaccurate derogatory information on your credit report. Now, this can get tricky. Contact me today to see where your credit score stands on what you can do to fix it, but it's IMPORTANT that you know, NEVER DISPUTE ONLINE!!!

By disputing online you’re agreeing to arbitration when you dispute negative accounts / inaccuracies online. 🗣IT'S IN THE TERMS AND CONDITIONS that most of us don't read🤦🏾‍♀️ Arbitration waives your legal right to sue and due process! This means if it's not resolved in your favor , or it's placed back onto your report after the dispute , YOU DON'T HAVE A LEGAL LEG TO STAND ON FOR HELP!!!

Why would anyone willingly agree to this! Hope this helps someone!! Please share!!

Afternoon update for my client ✨❤️

My client received over a 150+ point increase ACROSS THE BOARD🔥🎉🎉

What’s stopping you from getting your credit repaired??

Contact me today let’s work! (224)458-5068

✨Credit Tip✨

Keep in mind when applying for credit cards always see if they have 0% interest credit card options available

CREDIT REPAIR IS MORE THAN DELETIONS ON YOUR CREDIT REPORT.... You NEED positive accounts in your credit file!

Did you know that credit cards can make or break your credit score/ report?

Here's a few important facts you NEED to know!

1. Never use more than 29% of your credit limit. (i.e. your limit is $1000 , don't use more than $290). This is known as your utilization. Utilization makes up 30% of your FICO credit score. When you use more than that, the perception is that you may have an issue with your income that's causing you to use a lot of your credit limit... this makes you appear as a risk to the bank.. they want to know what's causing you to have to use so much credit if your money flow is strong? To stay on the safe side I always tell people stay under 10%. This makes it easier for you to pay it off when the time comes and what if something comes up and you can’t pay at least ONLY 10% is being reported and your still in a good position. Banks only want to lend to those with strong income... not questionable income with already high debt with other lenders...

2. Being added as an authorized user to a credit card can certainly boost your credit! IF that card has great history (payment history, utilization and no revolving balance). But please keep in mind, this varies by report. Make sure you trust the person who adds you as an AU this is your credit score we’re talking about look at it like your reputation!

3. Pay your bill on time and in full each month! This makes up 35% of your FICO credit score. Carrying a balance each month gives the perception again, that you may have a financial hardship where your income can't cover your debt... and with a rolling balance, it can be perceived as an ONGOING financial hardship, which again, is a risk to the bank....

Hope these tips help! If your in need of figuring out what your credit score is CHECK THE LINK IN THE COMMENTS. You can pull your credit report here for only $1!

Let’s stop looking at credit as a way to end up in debt and learn to actually leverage it.

Happy Tuesday❤️

Merry Christmas ! 🎄🥰

HOW TO CORRECTLY PAY A CREDIT CARD!

1) Find your due date on your statement. Now that you have it, FORGET IT. NEVER worry about it again, wipe it fron the calendar, it never existed. Due dates are for calculating interest charges on the card only, not for utilization. So it does not matter what the interest rate is on a card since you never pay any as long as you pay your previous statement balance in full.

2) Now find the statement date, also called closing date or cycle end date. Put that date in big red letters on everything in the house. The kids forehead, calendars, front door glass, bathroom mirror, you get the idea.

3) Now two days BEFORE that date, pay down your card balance to 1-4% of the card limit. So if you have a $300 limit you need to pay down the balance so there is $3 to $12 left on the card. Leave it with a balance. The credit card will report to the credit bureau that you have 1-4% utilization for that card. This is the BEST percentage for FICO score boost.

4) Now this step is an important part to remember. Soon as your statement closes and reports, your due date will show the min due in 20 or so days away. This is the date you have to pay by to avoid any interest, but we dont care!. Now 2 days after the statement date, you know the one wrote in big red letters all over the house? Pay the card balance off back to Zero. Now you have already made the min payment due by the due date and avoided any interest charges.

5) You have eliminated your due date, reported the best utilization, and avoided any interest payments all with in 4 days. Now your card has a zero balance and you can use it as much as you want. You can MAX the card, pay it down again, MAX again, do what ever you like. BUT, look for your next cycle end date and start all over again. Go back to step 2 for that date. Repeat every month. You will never pay interest, can maximize your rewards if it is a rewards card and still get a great FICO boost.

Don’t know your credit score, get it here TODAY

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