Self X Wealth

Wining & Dining customers 😇

Tech conference!

Probably going to make a few of y’all upset with this episode but it’s ok!

Check out Day 3 of on my podcast, Self X Wealth Podcast, on your favorite podcast platform! Join me as I discuss how to remove negative accounts!

Disputing won’t save you. Only you can save you. Yes you do have to if you . Yes there are ways around it. But what do you do when you’ve tried everything and the account is sticking like sis beside her man? This is where it’s now time to negotiate. If you need help getting accounts off your credit report, drop your email. I will send you the letters I use to negotiate pay for delete arrangements for free.

Lmboooo yep I sure did get that email. And I sure did make this same face. But truthfully, paying your student loans is the best thing you can do for your credit. Here’s how student loans can actually HELP you:

-On time payments will boost your score. On-time payments accounts for 35% of your credit score.

-It helps with age. You know those trade-lines y’all be tryna buy so that you can get some age on your credit report? Yea you don’t have to do that if you’re paying on your student loans. That’s an open account that you’ll be paying on for at least 10 years. It’ll take the average person on an income-based plan, 20-25 years. That’s 10-25 years of positive payment history. Imagine what that can do for your credit and for your positioning.

-Positive history established on installment loans.

-Those balance decreases every month will help your score.

-You avoid your student loans defaulting which results in you avoiding 10+ charge-offs on your credit report.

Don’t be afraid to pay your student loans. It actually helps you more than it harms you. You cant avoid student loans either. Might as well suck it up and pay them.

If you want to pay them off faster, make your regular payment each month. After making your payment, make additional principal payments only. Not only does this help you pay your loans off faster, it helps you avoid being sucked dry by capitalized interest.

I’m accepting new credit clients. Inbox me. Let’s discuss your credit. Let me help you simplify your credit repair journey.

Now accepting new clients! Let’s get your credit right.

Inbox me to set up a discovery call. I’m running a special ($50 off) until the end of the month.

Bad credit is nothing but a toxic cycle. It’s a cycle that must be broken if you want to have good credit. Good credit is not out of reach for you. With a little guidance, patience & knowledge, you can reach and maintain 750+ in no time.

This journey requires self-reflection and honesty because without these two things you’ll miss the lessons you need to ensure you don’t make the mistakes. I had to learn this the hard way, my third time repairing my credit. I know the last thing you want to do is repeat the cycle of bad credit like I did.

If you’re ready to break this cycle, grab a free copy of Building the Perfect Credit Profile: 5 Mindset Changes You Must Make. In this e-book, I talk about the mindset changes not only I, but clients had to make to build and sustain good credit.

There are a few ways you can gain access to capital. Some of those ways include: lines of credit, loans & credit cards. Credit cards tend to be a fav amongst the three but can be the most expensive to have. All three provides access to capital, so what makes credit cards attractive?

Reward points!

🗣They only want me for my reward points!

Here’s how reward points work:
-Make qualifying purchases on credit card.
-Receive points for every purchase you make.
-Make qualifying purchases within a specified period of time.
-Rack up your points.
-Redeem your points for things like travel and other things.

Bad debt is like a make-up mirror. The magnification on these mirrors are typically greater than that of a regular mirror. It’ll show you some things a regular mirror won’t. It’ll show you some things about yourself you may not want to see, but need to see. I say that to say, know and understand what your goals are before applying for reward cards. Know and understand yourself. Are you disciplined enough to handle an unlimited cash back card? Would it be better for you to put a barrier in place? Do you need to put a cap on your spending for whatever reason? Always ask yourself these though questions. If you’re afraid of looking in the mirror, reflecting on self, it’ll only come back to bite you in the butt later. Don’t create bad debt not fully understanding the terms of your cards.

Another reason you want to be careful buying trade-lines: With them being able to report the original user’s address on your credit report, you now have an inaccurate address on your credit report. I’ve seen people get denied simply because they had too many addresses on their credit report. Too many addresses shows instability. There are more effective ways to boost your credit. You want to try methods that are going to stick.

If you want to learn about these more effective methods, there are two ways I can help you with that during the month of September. I’m accepting new clients. Hop on my calendar so that we can discuss ways to boost your credit for the short & long-term. The other way is by attending Finance & Chill Presents: Hike to Big Credit!

Grab these credit gems while hiking Hanging Rock 💪🏿💪🏿

We’ve gotten so used to using cheat codes in credit repair, but cheat codes aren’t always the way to go. One cheat code I don’t particularly favor is buying trade-lines. Here’s one of many reasons why...

Imagine private mail addressed to you, going to someone else’s house. That’s exactly what can happen when you buy trade-lines. When you purchase an authorized user spot on someone’s card, that person’s address can show up on your credit report under the address section. Creditors may sometimes use the information reported on your credit report to locate you. They typically can’t tell which address is which, so there’s a chance they may assume the inaccurate address is yours. Debt communications can be sent to the primary account holder’s address instead of yours. I’m sure you don’t want that happening. Be careful buying trade-lines.

The same way you’d remove a $30,000 debt is the same way you’d remove a $300 debt. I’ve removed both.

Have you ever tried to dispute a debt and it came back valid? I know how frustrating that could be. Especially after you followed all of the steps and you know this item shouldn’t be on your credit report.

I remember sending letters in and receiving nothing back. Even worse, the item would come back validated. After a while, I learned that sometimes less is more. I learned the simple way is the best way. After simplifying my approach, I was able to get better results. I also learned that it’s not just the letters, it’s the strategy behind the letters. I teach this strategy and provide the letters to my clients so that they always have the tools to fix their credit through any setback in life. I am accepting 3 more clients for the month of August. If you’ve been having a hard time removing items from your credit report, you need to hop on my calendar ASAP! Inbox me or shoot me an email at [email protected]

How would you feel if you finally reached the 600s after 7 months and got knocked right back down 40 points, 2 months later? A client sent me this the other day. They weren’t as upset you’d think they be. Why? Because they are confident they’ll bounce back fairly quickly.

Sometimes, things happen. When they do, we have to roll with the punches and keep going. This client could have given up, letting this huge drop discourage them. Instead, they decided to take what I’ve taught them and keep going.

Some of you are probably wondering what happened here. This client was consistent in keeping their credit utilization at 20-23%. Life happened so they had to sacrifice payment for that particular month. I shared with them that their score will drop but it’s ok because they created a budget to get them back on track. This client is now set to be back on track for the next billing cycle.

I share this to say that in your credit repair journey, you will face obstacles. However, you have to keep your eye on the prize, pick yourself up and keep moving. If you’re looking to simplify your credit repair journey, I suggest starting with my Credit Repair Audit Checklist. You can grab it here https://6-7figuretraining.com/credit-repair-audit-checklist

Y’all, I f*cked up my credit THREE TIMES! & I got back up THREE TIMES! I learned something different about credit with each journey. I’ve seen a lot through helping clients and I’ve been through a lot myself with credit. Three things has hurt my credit over the years.
•Trying to get an education.
•Helping people and it backfired.
•The hard knocks of life (more specifically...postpartum depression)
I say that to say, I wish you would act all squeamish & embarrassed about your credit with me honey. I got stories for days and I’ve gone through the healing needed to share my story with others.

I’ve learned valuable lessons that has enabled me to help people acquire five-figures in credit...the simple way.

I’ve learned lessons that has enabled me to help people climb out of the 400s and into the 600s/700s...the simple way.

I’ve learned the skill & technique of helping people remove negative items...the simple way. (Understand something, I am not afraid to tell you to paydemfolks).

My experiences has equipped me with the tools to help people position their credit in reaching their goals. *whispers* because how many of us know your credit score means nothing?🙋🏿‍♀️ It’s your profile that does the talking and your funds that does the walking 💰🚶🏿‍♀️

Join me August 7, 2021, as I talk about how to acquire Big Credit...the simple way.

How long do you think it takes to boost your score 150 points? A year? Does it take 2 years? Try 3-4 months. A client came to me frustrated about their credit. They were upset and felt like they couldn’t accomplish anything. It’s not a great feeling. I should know. I’ve had to repair my credit three times at three different stages in my life. Maybe we’ll talk about that journey one day but for now, let’s finish talking about my client.

My client felt like it was going to be impossible improving their credit. When you’re looking at a credit score in the 400s, that can bring you all the way down. So we sat down, talked about their credit and I saw that although their score was low, their profile was thin. Which means their score wasn’t as bad as they thought.

How many of us know your credit score really don’t mean sh*t?! It’s how your profile is structured that means everything.

I crafted a strategy to help them reach their credit goals and we got to work! They executed each step in the strategy while learning how to build credit at the same time. They increased their credit 150 points in 3-4 months and are still going because it is now up and it’s stuck.

I was around them recently and I overheard them telling someone how to manage their credit card properly. I was smirk-smiling like a momma on Christmas morning when she got her baby that gift she said she wasn’t going to get.

If you’re credit is less than ideal, or even if your credit is fine but you just need to tighten some things up, I want to smirk-smile at you too! I’m going to be sharing what this client did to increase their score 150 points in 3-4 months, in my credit repair webinar. If you’re interested in learning how you can do this, grab the link below (in comments) to be amongst the first to know when I release details. 👇🏿👇🏿👇🏿

P.S Text BIG CREDIT to 833-244-3427 for discounts, exciting updates & credit gems 💎

$66k in credit! What would you do with $66k in credit?! Acquiring large amounts in credit actually isn’t that difficult to do. One of my former clients started with less than $1,000 in credit, while on unemployment. He thought he had to be wealthy in order to acquire big credit. He thought it took connections, resources & other things he didn’t have. He was completely WRONG! A little over a year later, that same client is at $66k in credit with $12k in business credit. The key to his success is rather simple. I’ll be discussing what he did to acquire so much in a short period of time in my next credit repair webinar. I want to share this with single mothers who are looking to live the lifestyle they desire. This strategy is fairly simple and it’s apart of my proprietary credit repair process. If you’re interested in learning how you can do this, grab the link to be amongst the first to know when I release details about the upcoming credit repair webinar. https://mailchi.mp/2fae4e813cf0/credit-repair-webinar

Ramboleisha ain’t come to play with you suckas! 😎😎😎

If you ain’t come to play, I need you to attend Protect Yo Peace 2, obtain your certificate of completion for your CCL, get your CCL, start collecting that 🔥🔥🔥🔥🔥 This event makes all of this possible for you.

Attending this event will not only help you get your Concealed Carry License & teach you how to shoot, but you will also learn how to purchase/invest in land. Having access to the resources this event provides, can open up at least 3 streams of income for you...bare minimum. Secure your spot ASAP as we will be closing the ticket portal beginning of July. We’d need a headcount as it’s important for us to know how many fi****ms we need and how much ammo we’d need prior to the event.

A former client sent me this. This is what I like to see! When you’re done working with me, you should be able to carry the torch and continue on without my help. That is my main goal for my clients. When you’re done working with me, I don’t really want to see you anymore unless it’s for help with another financial goal you have.

What’s next for this client? I’m throwing him ideas and strategies on how to best leverage his credit, so he can get to the bag. He applied for 2 business cards and was approved! My mans is on his way!

I’m having a virtual Credit Workshop next month. Stay tuned!

Imagine having land to practice/play around with guns...IN PEACE! This is the perfect event for those who at some point want to collect guns or own land. Owning land as a fi****ms owner can be extremely beneficial. You don’t have to worry about going to a range every time you want to practice. You can also make side money renting your land to Firearm Instructors. There’s so much you can do owning land. Having a CCL on top of that makes it even sweeter. Your CCL makes it easier for you to acquire fi****ms as you don’t have to buy a permit for each firearm with a CCL. Attendance at this event will be in person. You will learn/receive: 📚Legalities of owning and carrying a firearm. 🔫How to properly handle & shoot a firearm. 🏆Certificate of completion needed to obtain your CCL. ⛰Complimentary e-book on Land Ownership. 🍔🌮Lunch & Snacks provided. 💥Gun rental & ammo. A great event filled with lots of value. Come and have some guilt-free fun. You won’t only have fun, but you’ll walk away better than you came.

Although this is a great side hustle, it can be turned into a profitable & sustainable business. The hard part can be in scaling, but one thing that makes scaling easier in this business is the leverage of credit.

You can leverage your personal credit to help you ultimately qualify for business funding. If you don’t have a lot of capital, it can be difficult to scale. Business funding can take your vending machine business further at a much quicker pace. Is your credit where it needs to be?

If not, inbox me. Let’s get started!

Pictures of last year’s event!

Another client testimony. Their score may not be great just yet but they’ve come a long way. This person started in the 400s as well. Most of the people who come to me are in the 400s. They come to me hungry and leave happpppyyyy!

Another one of my clients who started with me in the 400s is at around 650 now. My goal is to take a few folks from the 400s to 770.

I don’t send letters for you but I do coach you on what to do, educate you on growing/maintaining your credit and give you templates. Whew chile, I hated sending letters so don’t ask unless I offer lol. I will coach you and guide you all day though.

Join us as we play with a few guns and learn gun laws!

Attendance at this event will get you a certificate of completion for a CCL. That certificate of completion is absolutely needed in order obtain your CCL. Your CCL will enable you to conceal your weapon in an open-carry state. NC is an open carry state, so this means if you have a firearm, you aren’t allowed to conceal it, you have to place it somewhere everyone can see.

So without a CCL, everyone knows you’re strapped. With a CCL, no one has to know. Also, without a CCL you have to purchase a permit for every gun you own. With a CCL, you can purchase as many guns as you’d like within a 5 year period. You can do this without having to purchase a permit for each gun. This makes firearm acquisition a lot more seamless. Be sure to lock in your spot as spaces are limited.

Ticket purchase includes:
🔫Gun rental & ammo
📚Full day of gun law education
🌮🍔Lunch & snacks provided
🏔 Complimentary E-Book on Land Ownership
🏆Certificate of Completion

https://selfxwealth.com/work-with-us/ols/products/protect-your-peace-2-concealed-carry-with-gun-rental-ammo

https://selfxwealth.com/work-with-us/ols/products/protect-yo-peace-2-concealed-carry-without-gun-rental

Last year, we had our first ever fi****ms event. We had so much fun as we learned how to handle, take care of shoot a gun. We had a great time with the instructor, we got to shoot the big guns and we learned so much. Take a look at a recap of last year’s event below.

Because we had such an amazing time, we’re bringing it back this summer!!! Join us Saturday July 17, 2021 as we’re helping everyone get their concealed carry license! This allows you to not only legally conceal your weapon in an open carry state, but it also makes acquiring multiple fi****ms a lot easier. Instead of having to purchase a permit for every firearm you acquire, a concealed carry license allows you to purchase as many fi****ms as you’d like, in a 5-yr period.

Attendance at this event will be in person. You will learn/receive:

📚Legalities of owning and carrying a firearm.
💥How to properly handle & shoot a firearm.
🔫Firearms training.
🏆Certificate of completion needed to obtain your CCL.
🏜Complimentary e-book on Land Ownership.
🍔🌮Lunch & Snacks provided.
🎯Gun rental & ammo.

Be sure to visit https://selfxwealth.com/work-with-us/ols/products/protect-your-peace-2-concealed-carry-with-gun-rental-ammo to purchase your tickets. Spaces are very limited, so be sure to secure your spot before spaces are gone!

I get so excited when clients show me their progress! This client started in the high 400s!! He has truly made great progress!