90 Day Credit Experts

Always check before you agree to a loan or sign up for a new credit card, it’s important to make sure you completely understand how the interest rate will affect the total amount you owe. Always look at the long term to see I if you are making the right decision!

APOT = ALWAYS PAY ON TIME!⌚️. Set reminders, set up automatic payments, set aside money in a separate account so you know you can always pay on time! I promise it will be well worth it! Even one late payment can put you in jeopardy of being denied for that next big purchase decision or next loan application!

Thank you so much for sharing your wonderful experience with us! We’re thrilled to hear about your accomplishments and are grateful to have been a part of your journey. It’s incredibly rewarding to know that our efforts helped you qualify for your dream home. Your success is our success, and we’re here to support you whenever you need us. Congratulations again!

Car shopping can be exciting, but beware of the pitfalls! 🚗 Some dealerships might try to sweet-talk you into deals that can wreck your credit score. Always read the fine print, know your financing options, and don’t be afraid to walk away if something feels off. Protect your financial future and make informed choices.

Living with bad credit has never been tougher than it is today. 💳📉 From higher interest rates to limited loan options, the financial hurdles are real and relentless. Whether it’s securing a place to live, buying a car, or even getting a job, bad credit can cast a long shadow over our opportunities. Let’s break the cycle and work towards better financial health together. 💪

PAY YOUR BILL CREDIT CARDS DOWN TO ZERO EVERY MONTH! If you can keep your utilization down to 30% or even better 10%.. Your score will sky rocket while my team and I work on removing your negative credit items!

Credit scores affect apartment lease approvals by indicating financial reliability. High scores boost approval chances, while low scores may lead to higher deposits, need for co-signers, or denial.

I talk to a lot people that are trying to figure out how to start establishing a Credit score. Follow these 5️⃣ Steps if you are just starting out and trying to establish and build your Credit as quickly as possible!

What’s a Good Credit Score?🚗🏠

Understanding your credit score is essential for financial success! Here’s a quick breakdown:

✅ Fair: 580 to 699
✅ Good: 670 to 750
✅ Excellent: 800 to 850

Aim high and unlock amazing opportunities with a great credit score! 💳💪

Building multiple streams of income isn’t just about increasing your earnings; it’s about securing your financial future. 💼. Good credit plays a crucial role in this journey, opening doors to opportunities and investments that can diversify your income sources. Start small, aim big, and remember: your credit score is your financial passport. 📈

Balancing needs and wants is the key to financial freedom! 🏦. When working to get out of debt or build credit, focus on your essentials first. Prioritize needs over wants, and watch your financial health flourish. 🌱💳

🏡✨ Unlock Your Dream Home with 90 Day Credit Experts! ✨🏡

Are you ready to buy your first home this June but feeling held back by your credit score? At 90 Day Credit Experts, we’re here to turn that dream into reality!

Our dedicated team will:
1. Analyze Your Credit: Identify areas for improvement and fix inaccuracies.
2. Create a Custom Plan: Develop strategies tailored to your unique situation.
3. Resolve Disputes: Handle negotiations and disputes with creditors.
4. Build Credit: Offer advice on maintaining healthy credit habits.
5. Provide Ongoing Support: Ensure you stay on track to reach your goals.

Imagine walking into your new home, proud of the journey you’ve taken. Let us help you unlock that door! DM us today for a free consultation. Your dream home is closer than you think! 🗝️💫

They don’t call us the Fastest Fix in the industry for nothing! 💨⏩. Let us prove it to you! Stop paying a company that is taking you over 6 months to get it fixed!

We all wish it was that easy!! But we make it as easy as it can possibly be! We handle everything for you! All you need to do is make your payments on time not rack up your inquiries applying for things! We take care of your collections, late payments, bad debt, medical bills, student loans, hard inquiries, bankruptcies, and repossessions! All without you needing to pay them off!.. Shoot me a DM saying “INFO” so we can answer any more of your questions about our program!

Enough is enough! 🚫 Tired of collection agencies harassing you day and night. Feeling like a heavy weight on your chest constantly!! It’s time to take control and find some peace. Message me “INFO” if you’re ready to take action against them!

Checking your credit score shouldn’t feel like a horror movie. 🧟‍♂️. Let’s turn those nerves into knowledge and take control of our financial futures! 💪💳

If you have bad credit, you’ll get a higher interest rate on a home loan because:

1. Higher Risk: Lenders see you as more likely to default.
2. Cost Compensation: Higher rates offset potential losses.
3. Regulatory Costs: Lenders must hold more capital for risky loans.
4. Limited Options: Fewer lenders willing to offer loans, reducing competition.
5. Credit Algorithms: Lower credit scores automatically result in higher rates.

In essence, higher interest rates help lenders manage the increased risk associated with lending to those with bad credit.

Credit reports must be accurate!! If personal info is wrong, it could lead to errors in your credit history. We can dispute inaccuracies, and credit bureaus must fix or remove them to ensure your report is correct and reflects your true credit standing! Fun fact.. over 80% of Credit Reports are inaccurate! Could be spelling, dates, or other things.. So I would definitely double check your negative items!

“Bad credit can feel like a heavy chain ⛓️holding you back. Break free ⛓️‍💥 with and start a journey to financial empowerment in just 90 days! 🌟 Your brighter future isn’t just a dream, it’s a plan.

“Why Good Credit = Lower Interest 💸👍 Your credit score is like a financial report card, and a high score can save you serious cash! Here’s how:
1. Trust Factor 🤝 - A good score tells creditors you’re reliable.
2. Less Risk, Less Cost 💼➖💵 - They see you as low-risk, which means they can offer lower interest rates.
3. Save on Loans and Credit Cards 🏦💳 - From mortgages to car loans, a better score can lead to smaller payments over time.
4. More Money in Your Pocket! 🎉👛 - Lower interest means you pay less over the life of a loan. Keep your credit score shining and watch the savings roll in!

“Why Good Credit = Lower Interest 💸👍 Your credit score is like a financial report card, and a high score can save you serious cash! Here’s how:
1. Trust Factor 🤝 - A good score tells creditors you’re reliable.
2. Less Risk, Less Cost 💼➖💵 - They see you as low-risk, which means they can offer lower interest rates.
3. Save on Loans and Credit Cards 🏦💳 - From mortgages to car loans, a better score can lead to smaller payments over time.
4. More Money in Your Pocket! 🎉👛 - Lower interest means you pay less over the life of a loan. Keep your credit score shining and watch the savings roll in!

We’ve all made at least one of these mistakes.. many of these will lead to unsuccessful results, as well as wasted time and money!💰 Make sure you are doing it the right way and following the right steps! If you don’t have hours and hours to spend trying to figure it out, and spend on trial and error.. Then reach out to us.. we have a proven process that works! We take the headache out Credit Repair so you can just sit back and make sure you aren’t late on payments or applying for any new things while we work on fixing your credit report! DM me “INFO” and I’ll get back to you!

10 steps to take to address bad credit and move towards financial freedom:

1. **Check Credit Report**: Obtain and review your credit report for errors.
2. **Pay On Time**: Always pay your bills on time to avoid negative marks.
3. **Reduce Debt**: Focus on paying down high-interest debts.
4. **Limit New Credit**: Avoid unnecessary loans or credit cards to prevent hard inquiries.
5. **Credit Utilization**: Keep your credit card balances well below the credit limits.
6. **Negotiate with Creditors**: If struggling, talk to creditors about easier repayment plans.
7. **Use a Secured Card**: Use a secured credit card responsibly to rebuild credit.
8. **Get Professional Advice**: Consider non-profit credit counseling for expert help.
9. **Stay Consistent**: Rebuilding credit takes consistent effort over time.
10. **Save Money**: Start an emergency fund to avoid future debt.

Message me if you need help with any one of these things!

Here are some of the Benefits of Owning a Home

1. **Equity Building:** With every mortgage payment, you build equity in your home, which is a form of forced savings and investment in the property.
2. **Predictable Payments:** Fixed-rate mortgages ensure your payment remains constant over the life of the loan, unlike rent, which can increase over time.
3. **Property Appreciation:** Over time, homes generally increase in value, which can result in a significant return on investment when you sell.
4. **Tax Advantages:** Homeowners can often deduct mortgage interest and property taxes on their income tax returns, reducing their taxable income.
5. **Customization:** You have the freedom to renovate, decorate, and modify your home to fit your tastes and needs without needing a landlord’s permission.
6. **Stability:** Homeownership can offer a sense of stability and community as you put down roots in a neighborhood.
7. **No Landlord Issues:** You are your own landlord, which means no dealing with landlord restrictions or potential disputes.

“Revamp your credit score without the hassle! 🚀 With our swift and seamless credit repair service, you’re not just dreaming of financial freedom, you’re stepping into it. 💼✨ Get started today and watch your score soar! ”

Best Card for Dinner Dates and Any other Restaurant Experience! 🍛 My Beautiful wife and I love this Card!

You can Unlock 🔓 a world of culinary rewards with the Amex Gold Card 💳 as your trusted companion. Enjoy elevated points on dining out and supermarket purchases, transforming your everyday meals into rewarding experiences. Indulge in exclusive dining events, personalized travel services, and a range of perks that elevate every bite to a new level of luxury.

From statement credits at select restaurants to access to sought-after culinary experiences, the Amex Gold Card treats you to a feast of benefits. With no foreign transaction fees and a suite of dining-related perks, this card is a must-have for food enthusiasts looking to savor the flavors of life while earning rewards with every delicious moment. Elevate your dining adventures with Amex Gold and enjoy a world of culinary delights at your fingertips.

“Hatching plans for a brighter financial future this Easter 🐣🌷 Let’s resurrect your credit score! I love my family and all the blessings. I also love this company, and Team, and our clients we help. Hope everyone has a happy Easter Sunday with their families. ”

Before applying for a new credit card, it’s essential to arm yourself with knowledge about what you’re getting into. Interest rates should be your first checkpoint; they determine how much extra you’ll pay for the privilege of borrowing money. Look for cards with competitive APRs (Annual Percentage Rates), and be wary of introductory offers that skyrocket after the initial grace period. Additionally, scrutinize the fee structure for annual fees, late payment penalties, and foreign transaction charges, which can quickly add up if you’re not careful.

Rewards and benefits are the flashy part of credit cards, but they only work in your favor if they align with your spending habits and lifestyle. Cashback, points, or miles can be lucrative, but they’re often tied to specific categories or spending thresholds. Be realistic about whether you’ll take full advantage of these perks. Lastly, consider your financial health: Ensure you have the discipline to manage a new line of credit without falling into debt. Remember, a credit card is not free money; it’s a financial tool that requires responsible use to maintain a healthy credit score and financial stability.

If you’re on this list.. Reach out and we will help you work on removing them. Our system is proven and has worked with thousands of our clients! Message me “INFO” and we’ll reach out for a free consultation!

Buying a car with good credit means you will qualify for lower interest rates on a loan, which can save you money over time. With bad credit, lenders see you as a higher risk, so they charge higher interest rates to protect themselves, resulting in more expensive loan payments for you. Another example why it pays to have good Credit!