Rosas Financial Solutions LLC.

Have you ever tried to do a project yourself? Maybe a DIY project you seen on YouTube?

You go to the store, spend a ton of money on all the necessities, start the project and it turns into a disaster? Then, you either give up, or call a professional?

Yup, I have done it too....

That is what happens with individuals trying to dispute accounts on their credit report. Sometimes you can get a random deletion by using the Experian app, or Credit Karma.

Have you ever read the fine print when you accept "I Agree"? You might want to. Say Experian is in violation and they should not report that account to your credit report. However, you dispute the account through the app and they do not remove it...... You just waived your rights to sue... Yup... And you could have.

Now, the account is not coming off... You have tried all the pre-filled options on the app with no luck.

At this point, you call me. If you do not just give up.

The same goes for reliable and reputable credit restoration companies!! They could be claiming identity theft, or some crazy scenario..... However, the items do not come off. Then, you come to me, unhappy with the previous CRO. You have no idea what type of services they provided, if they provided services at all... Was it ethical?

We do not know....

If they performed unethical practices, because they didn't know what they were doing, and we try to do it correctly... You will not see results!!

Crazy, right?!

Save headaches, do your research, and ask questions!

-Your Favorite Credit Girl

Would you be interested in an app that is designed to make credit restoration EASIER and more AFFORDABLE for you.

The app would include:

✅ Credit Monitoring: Keep an eye on your credit score and receive real-time alerts.
✅ Credit Disputing: Effortlessly dispute errors on your credit report.
✅ Credit Building: Get personalized tips and tools to help build and improve your credit.
✅ Credit Education: Access valuable resources and education to make informed financial decisions.

We want to hear from YOU!

Comment "CREDIT" below or send us a message.

Looking forward to your thoughts! 💬✨

(IT WOULD COST LESS THAN $60 A MONTH!!! 😲)

The workshop we had today was amazing. The biggest turnout so far. These individuals came to LEARN!!! Most people say I was a blessing to them, but they were actually the blessing.

My eyes were opened in so many ways today. They needed me, but I really needed them!!!!

Make sure to watch for the next seminar. We are dropping all of the tips!!!

Rosas Financial Solutions LLC.

🌟 Hey everyone! 🌟

I wanted to reach out to see if anyone might be interested or know someone looking for individual office space. We have a great space coming soon and thought it might be perfect for someone in our network.

If you're interested or know someone who might be, please feel free to reach out to me directly. I'd be happy to provide more details and discuss further!

Thanks so much, and looking forward to hearing from you! 🏢

Let me introduce…. Jaslyn Davila

I first met Jaslyn over ten years ago! She started with me as a referral agent, making commission only. She showed dedication not only to my little business, but was interested in learning about credit as well!

Everyone give Jaslyn a warm welcome! 💕

🔔 Friendly Reminder: Paying Your Credit Card Before the Statement Close Date 📆

Hey friends! 👋 Just a quick tip for managing your finances and keeping your credit score in top shape! 💳 It's all about paying your credit card bill before the statement close date.

Here's the lowdown: Your credit card company generates a statement at the end of each billing cycle, summarizing your charges and payments. But did you know that the balance reported on that statement impacts your credit utilization ratio, a key factor in your credit score?

💡 So, why pay before the statement close date? Well, by paying early, you can lower your reported balance, which can positively influence your credit utilization ratio. Plus, it demonstrates responsible credit management to lenders and can save you money on interest charges!

Here's a simple guide to nail this financial move:
1️⃣ Mark your calendar with your credit card's statement close date. You can find this on your monthly statement or by checking your account online.
2️⃣ Aim to make your payment a few days before this date to ensure it's processed in time.
3️⃣ You can pay the full balance or a portion of it—whatever fits your budget. Just make sure it's enough to reduce your balance before the statement is generated.

Remember, paying on time is crucial to avoid late fees and negative marks on your credit report. So, set those reminders and stay on top of your credit game! 💪 If you have any questions, feel free to drop them in the comments. Let's empower each other to financial success! 💰 🚀

🌟 Unlock the Power of Credit Building Restoration! 🌟

Hey friends! 👋 Are you ready to take control of your financial future? 🚀 Let's talk about the incredible benefits of credit building restoration! 💳💪

🔹 **Boost Your Credit Score**: Repairing your credit can lead to significant score improvements, opening doors to better interest rates, loans, and more!

🔹 **Financial Freedom**: Say goodbye to financial stress! With improved credit, you gain access to better financial opportunities and can achieve your goals faster.

🔹 **Lower Interest Rates**: Whether it's a mortgage, car loan, or credit card, better credit means lower interest rates, saving you money in the long run.

🔹 **Enhanced Confidence**: A healthy credit score isn't just about numbers; it's about peace of mind and confidence in your financial decisions.

🔹 **Future Planning**: Build a solid foundation for your future. Repairing your credit sets you on the path to achieving your dreams, from buying a home to starting a business.

Ready to embark on your credit building journey? 🚀 Let's chat about how credit restoration can transform your financial landscape! Drop a comment below or shoot me a message! 💬 🌟

🌟 Understanding Credit Score Fluctuations during Credit Repair 🌟

Hey everyone! 👋

Navigating the world of credit repair can sometimes feel like riding a rollercoaster, especially when it comes to those pesky credit score fluctuations! 🎢

Here's the deal: When you're actively working on improving your credit, it's common to see your score bounce around a bit. Why? Well, closing accounts, paying off debts, or even applying for new credit can all have an impact.

But don't sweat it! These fluctuations are often temporary and can actually be signs of progress. Closing accounts or paying off debts may cause a slight dip initially, but over time, it can lead to a healthier credit profile and a higher score.

The key is to stay patient, stick to your credit repair plan, and keep making those positive financial moves. Remember, it's all about the long game when it comes to building better credit!

Have you experienced any credit score fluctuations during your credit repair journey? Share your thoughts and let's support each other on the road to financial success! 💪💼

Hey everyone! Let's dive into a topic that's crucial for anyone navigating the world of credit: the importance of a credit specialist in the disputing process. Here's why having one on your side can make a world of difference:

1. **Expertise Matters**: Credit specialists are trained professionals who understand the ins and outs of credit reporting laws, regulations, and best practices. They know how to spot errors on your credit report and navigate the dispute process effectively. An person that is not properly trained can cause more harm than good. This can even prevent an expert from cleaning up someone else's mistakes!

2. **Save Time and Energy**: Dealing with credit bureaus and creditors can be time-consuming and frustrating. A credit specialist can handle the entire disputing process on your behalf, saving you valuable time and energy.

3. **Maximize Results**: Credit specialists know the most effective strategies for disputing inaccurate information and maximizing your chances of success. They can leverage their expertise to get errors corrected or removed from your credit report more efficiently than if you were to go it alone.

4. **Personalized Guidance**: Every individual's credit situation is unique, and a credit specialist can provide personalized guidance tailored to your specific needs and goals. Whether you're dealing with collections, late payments, or identity theft, they can offer advice and support every step of the way.

5. **Long-Term Benefits**: Improving your credit score can have a significant impact on your financial future, from qualifying for better loan terms to saving money on interest payments. A credit specialist can help you achieve your credit goals and set you on the path to a brighter financial future.

If you're struggling with errors on your credit report or want to improve your credit score, don't hesitate to reach out to a reputable credit specialist for assistance. Your financial well-being is worth investing in! Have you ever worked with a credit specialist? Share your experiences below! 💳💼

🔍 Understanding the Difference: Hard Inquiries vs. Soft Inquiries 📊

Hey everyone! Today, let's dive into the world of credit inquiries – hard vs. soft. 🤓

💼 **Hard Inquiries**: These occur when a lender checks your credit report as part of their decision-making process for things like a mortgage, auto loan, or credit card application. They may have a small impact on your credit score and can stay on your report for up to two years.

🌱 **Soft Inquiries**: These inquiries typically occur when you check your own credit report, or when companies perform a background check that doesn't involve extending credit, like pre-approved credit card offers or employer background checks. Soft inquiries do not affect your credit score.

Understanding the distinction between these two types of inquiries is crucial for managing your credit health effectively. Remember, it's essential to keep hard inquiries to a minimum, especially if you're planning significant financial moves in the near future!

Have any questions about managing your credit? Drop them below! Let's learn together. 💡

🔍 Understanding Debt: Relief vs. Management 🔍

Hey friends! Let's dive into a topic that affects many of us: debt. 💸 There's often confusion between debt relief and debt management, so let's break it down:

🛠️ Debt Relief: This is like a helping hand when you're drowning in debt. It typically involves negotiating with creditors to reduce the total amount you owe or to lower interest rates. Debt relief options include debt settlement, debt consolidation loans, or even bankruptcy in extreme cases. It's usually pursued when the debt burden becomes overwhelming and you need significant assistance to get back on track financially.

💼 Debt Management: Think of this as a strategic approach to handling your debt responsibly. It involves creating a structured plan to pay off what you owe over time, often with the help of a credit counseling agency. Debt management plans may involve consolidating multiple debts into a single monthly payment, negotiating lower interest rates, and establishing a budget to manage expenses effectively. The goal here is to gradually eliminate debt while learning better financial habits along the way.

💡 Key Difference: While both debt relief and debt management aim to alleviate debt-related stress, they differ in approach. Debt relief focuses on reducing the total debt burden through negotiation or restructuring, while debt management focuses on systematic repayment while providing financial education and support.

Remember, there's no one-size-fits-all solution when it comes to managing debt. It's essential to assess your financial situation carefully and consider seeking professional advice if needed. Stay informed, stay proactive, and don't hesitate to reach out if you need guidance. We're all in this together! 💪

🌟 Understanding Credit Scores & Managing Credit Card Debt 🌟

Hey everyone! 👋 It's time for a little financial check-in! 💳💰

Let's talk about credit scores and the notorious credit card debt. 📊 We all know how crucial a good credit score is for our financial health, right? It's like our financial report card! 📉 But managing credit card debt can sometimes feel like a never-ending battle. So, here are a few key pointers:

1️⃣ Know Your Score: Your credit score isn't just a number; it's a reflection of your financial habits. Keep tabs on it regularly!

2️⃣ Pay On Time, Every Time: Late payments can wreak havoc on your credit score. Set up reminders or automatic payments to ensure you're always on time.

3️⃣ Mind Your Utilization Ratio: This is the amount of credit you're using compared to your total available credit. Aim to keep it below 30% to maintain a healthy score. People who have a credit utilization of 80% will have a 500-580 credit score!

4️⃣ Don't Close Unused Cards: Surprisingly, closing a credit card account can actually hurt your credit score. Keep those accounts open, especially the older ones, to demonstrate a longer credit history.

5️⃣ Budget Wisely: Create a budget that allows you to pay off your credit card balances in full each month. It's a surefire way to avoid falling into the debt trap.

Remember, credit cards can be a powerful financial tool when used responsibly. Let's strive to be smart with our finances and build a bright financial future together! 💪💡 🚀

Follow my personal page for a chance to win a free month of credit restoration 💕

https://facebook.com/crazy.girl.95

Cassandra Brooke Baker Rosas

🔍 Understanding Credit Reports: Removing Negative Items 📉

Hey friends! 👋

Let's talk about something that affects many of us: credit reports. 📝 Negative items on your credit report can really put a damper on your financial goals, but fear not! There are ways to remove them and improve your credit health. Here's a quick rundown:

1️⃣ **Know Your Report**: Start by obtaining a copy of your credit report from each of the three major credit bureaus: Equifax, Experian, and TransUnion. This will give you a comprehensive view of your financial history.

2️⃣ **Identify the Negative Items**: Look through your report carefully and identify any negative items dragging down your score. These could be late payments, collections, bankruptcies, or other derogatory marks.

3️⃣ **Dispute Inaccuracies**: Mistakes happen, and they can seriously impact your credit. If you spot any errors or inaccuracies on your report, file a dispute with the credit bureau to have them investigated and corrected.

4️⃣ **Negotiate with Creditors**: If you have legitimate negative items on your report, consider reaching out to the creditor or collection agency to negotiate a settlement or payment arrangement. Sometimes, they may agree to remove the negative item from your report once you've satisfied the debt.

5️⃣ **Establish Positive Credit Habits**: While you're working on removing negative items, focus on building positive credit habits. Pay your bills on time, keep your credit card balances low, and only apply for new credit when necessary.

6️⃣ **Be Patient**: Removing negative items from your credit report isn't always a quick process. It can take time for disputes to be resolved and for your credit score to improve. Stay patient and persistent in your efforts.

Remember, your credit report is a snapshot of your financial history, and it's never too late to start improving it. Take control of your credit health today! 💪 If you have any questions or need further advice, feel free to reach out. Together, we've got this! 🌟

Rosas Financial Solutions LLC.

https://docs.google.com/forms/d/e/1FAIpQLSchYWkmHY5OdjpsWHs4MYjzQXeNCc-KZSgtgWr4BqiX2AP0XA/viewform?

Inspired Living: A First Time Homebuyer's Workshop Do you want to buy a house but don’t know where to begin? Join us to learn about the home buying process. Refreshments Tips from a team of licensed Texas realtors Advice from other industry professionals This is a repeating event that happens on the first Wednesday of every month (July's event wil...

What do I look at when analyzing a credit report? 📖

-Payment History
-Utilization
-Average Age
-New Credit
-Credit Mix

Why do I analyze these❓

Say I have a client wanting to buy a home within the next 6-8 months. 🏡 They have a few collections that will not give them a large enough increase to get approved for a home. 😰

What do we do now?! 🫠

Develop a game plan! 🪪

I always ask myself these questions when creating a game plan for a client.

-Are they an authorized user on an account with late payments? If so, is the history more important than the late payments? (Payment History)
-Do they need to work on paying down their revolving utilization? (Utilization)
-Should we open a new card and correctly use it? (Credit Mix)
-Have they used their credit? (All of the above)

By utilizing the breakdown of a FICO credit score, I can help build and restore a credit report for approval.

🏡🏡🏡

Rosas Financial Solutions LLC.

https://www.rosasfinancialsolutions.com/contact-8

My client started with me a month ago! Came up with a 17 point increase 👀💁‍♀️

Rosas Financial Solutions LLC.

SURPRISE, I am extending my current prices until Monday, March 4th.

Currently
$5.99 for credit report
$25 to start
$80-$120 monthly
+$29.99 for Smart Credit.

March 4th price increase!
$5.99 consultation (this goes to your credit report)
$50 to start
Monthly payments based on the # of negative accounts: (First payment due 30 days after you start)
5< $120
6-15 $150
16-25 $180
26-35 $210
36-45 $240
+ $29.99 a month for credit monitoring
Payments can be made monthly, bi-weekly, or weekly.

Home | Rosas Financial Solu Credit eduction, restoration, and building necessities. Rosas Financial Solutions has all of your credit and financial needs.

Student loan deletions 🔥🔥🔥💕💕💕

Rosas Financial Solutions LLC.

$17,827 gone….

Credit restoration IS worth it!

Make sure to get with me before the prices go up!

This client started in the 500s 😍😍😍
Time to get a home? 🏡

🔥🔥🔥

Rates are increasing March 1st!

Rosas Financial Solutions LLC.

Prices are going up March 1st!

$5.99 consultation (this goes to your credit report)

$50 to start

Monthly payments: (First payment due 30 days after you start)
5< $120
6-15 $150
16-25 $180
26-35 $210
36-45 $240

+ $29.99 a month for credit monitoring

Payments can be made monthly, bi-weekly, or weekly.

*This does not apply to pre-existing clients*

Get in now before prices increase⬇️
Rosas Financial Solutions LLC.

Do you need your taxes filed?
I can do it!!

Here is my link for registration

2023 Tax Intake Form | Cognito Forms

My business is growing!

I am looking for three referral agents!

Position is commission based with unlimited income potential.

Email [email protected] with your current resume!

Rosas Financial Solutions LLC.

Blessed to be in Leadership Lubbock Class 2024. We went from being strangers at 8 AM to singing Backstreet Boys in front of 50+ people by 3pm.

I cannot wait to see what this year holds with this group of amazing individuals!

It was rough with my eye pain/lack of vision in the left eye, but it was so worth it!

Pic credit: Cicley A

Friendly reminder…. If you don't manage your money, the lack of money will always manage you!

Rosas Financial Solutions LLC.

Credit restoration companies have specific laws that need to be followed!

This is why I do not give a guaranteed date or promise that all accounts will be removed.

Charging clients in full is also illegal!

😳😳😳

🚩🚩🚩🚩🚩

Credit:CFPB

Lone Star Pack n' Ship is my favorite for printing!

Vertical banner on an X-stand for Rosas Financial Solutions LLC.!

Are there certain things you wish you knew then that you do now? I know I do!

The main topic I wish I learned earlier on was CREDIT.

I have a serious passion for helping my clients. Why? Because I have learned from EXPERIENCE. Yes, you heard right, PERSONAL EXPERIENCE.

My experience was with credit card debt… It got me through college, but was it wise?! Definitely not.

Here are a few tips I know now that I didn’t then…

-I wish I knew to grow a credit score BEFORE I was 18
-I wish I knew that credit card debt was a living nightmare
-I wish I knew that I did not need to keep up with the Jones’
-I wish I knew that store credit cards are a trap
-I wish I understood interest
-I wish I would have never told myself, I’ll pay if off when I graduate
-I wish I would have limited my credit cards to reward cards only

Now, I know this.. I have had to sacrifice to pay debt off. I made my budget so strict that it felt like I was punishing myself… I have had to say no to activities because I had an overall goal. Side hustles? Yup.

Credit is so important, and for me, credit card debt crashed my score.

I have seen clients with 700 scores that have missed payments etc. However, some of the lowest scores I have seen are due to high utilization.. Can you believe that? These clients have no missed payments… They have paid their cards on time for so long. However, someone who doesn’t pay has a higher score!

Crazy, right?!

If this is you, don’t be embarrassed. I can help. If your score is low because of collections, charge-offs, or repos, I can still help!

Just remember, we know now, and we can make a change!

Start your change today by registering for a consultation⬇️

https://www.rosasfinancialsolutions.com/contact-8

$4.99 consultation
$25 to start (Services do not begin until a consultation has been held, and the client agrees to services!)
$80-200 a month DEPENDING on your credit profile