RichBi$h Credit

"Keep your heels, head, and standards high."

Call me crazy, s**t at least you callin.

Yes, you read that correctly and that’s just the half of it honey💅🏾

post more information about these “credit monitoring apps” in a blog post.

Credit Karma makes money by collecting the personal information you provide during your initial registration…👀

🔑 The truth of the matter is that Credit Karma is NOT a credit monitoring app, although they do provide a “credit monitoring tool”. They’re more associated with an affiliate marketing program.
Here’s a direct quote from their support page “Credit Karma won’t ask you for your credit card number during the registration process or at any other time. We don't ever sell your information.”“Our goal is to provide personalized offers and recommendations that we think might be helpful to you based on the information contained within your profile.”🗣

In fact: Credit Karma DOES NOT provide you with FICO scores! (which is what most US lenders use). Instead Credit Karma provides you with your Vantage scores (which is very rarely, if ever used by US based lenders) 🎯

Credit Karma support also states, “We do get paid through our partners if you get a product through one of our recommendations.”, which is likely how they are able to provide you with updates every 7 days. ✍🏾

So now that poses the big question, Why?...
That’s simple. To get you to look at 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? 🤯

🗣Credit Karma DOES NOT provide you with any Experian credit reports, credit information or scores!

I cannot stress enough how important it is to build credit while your repairing your credit! A clean or blank credit report does nothing for you! Application link in bio

The Discover Secured Card™️ is my number one recommended secured credit card hands down 🙌🏾.

Here’s some of the perks.

Reports your credit history with the three major credit bureaus monthly. 📊

No annual fee🤑

Your secured deposit is refundable. You choose the deposit amount min $200 up $5000. 💵

Earn 2% cash back on everyday expenses like gas and restaurants. Plus, earn unlimited 1% cash back on all other purchases – automatically. 💰

Discover matches all the cash back you've earned at the end of your first year with no limit to how much they match. ‼️

In an ongoing lawsuit filed in 2019, the Consumer Financial Bureau (CFPB) is accusing Lexington Law and CreditRepair.com of violating federal laws. 🧐

I hear a lot of people say they don’t need our help because they work with Lexington Law or another company who offers credit repair service, but don’t be fooled by the masses.

Be sure your credit repair company is licensed and bonded. 🗞

Further it’s important to have a relationship with anyone who is dealing with your financial and personal information. 🤝

Don’t just sign up for these types of services online and assume everything will be done professionally or more important legally.✋🏾

Get to know your Credit specialist on a professional level and be sure whomever you decide to hire to improve your credit has your best interest in mind both finically and legally. 👩🏾‍💻

A lease is always a better option!

Stop taking “No” for and answer. Tired of being denied? Find out you reproorted negative information about you and get it removed! Yes, even your criminal history🔍

*Rental History 🏡
*Driving History 🛻
*Criminal History 🃏
*Credit History 💳
*Banking History 💰

Start off the new year with a clean slate #2023

If your credit repair company, coach, consultant, friend, and all others, is NOT showing you how to build positive credit history, they’ve only taken you halfway💯

⭐️Building credit is key to a Great score
⭐️Payment history is 35% of your score
⭐️ New Credit is 10% of your FICO score
⭐️ Credit mix is also 10% of your score
⭐️Your debt or amounts owed is 30%

Without these factors you’ll continue to have a low or poor credit scores.

Make sure your credit repair is being handled by a professional that understands the ENTIRE credit repair process and wants to see you win 🏆 🙌🏾💳💰

If you like the idea of driving a new model every two or three years or so, (we know you wanna flex💪🏾 ) a lease is likely your best option. 🚗

Don’t listen to the gossip about “lease mileage”! 😏

The process is almost identical to buying a car, but often you are able to lease for lower costs upfront and a lower monthly payment. 🤑

And don’t tell me that you’re spending your money or throwing it away on something you don’t own when you’re renting that apartment!😳

Did you know you can get a high mileage lease and most leases allow up to 15k miles a year!🤔

RB Credit updated their address.