Elite Score Restoration

Your dream house is on the way🏠 Let us help you 🫵🏽 Message us to schedule a consultation!

A high score is not more important than a strong credit report‼️

Someone with a 720 and only 3 accounts & 1 year age will get denied more than someone with a 680 with 7 accounts & 3 years age.

One tradeline can increase your score significantly if it’s the right one just as one negative remark can destroy your score significantly. This means your credit report is THIN and needs to be built CORRECTLY!

Car buying season is here 🚗 People with lower credit scores often face higher interest rates when obtaining auto loans. Lenders may view lower credit scores as an increased risk, leading them to charge higher interest rates to offset potential losses. Consequently, higher interest rates can significantly contribute to the overall cost of the car, making it more expensive for buyers with lower credit scores.

Tax season = Car buying season 🛎️

Attention: Important Credit Tip!

Please note that the following list consists of Subprime Finance Companies that typically provide loans to individuals with a FICO score below 600:

1. AFS Acceptance LLC
2. AmeriCredit
3. American Credit Acceptance
4. Bridgecrest Credit
5. CAR Financial Services, Inc.
6. Exeter Financial
7. EZ Dealer Finance
8. Global Lending Services
9. Santander Consumer USA
10. 722 Redemption
11. Gateway One Lending and Finance
12. One main Financial
13. United Acceptance Inc.
14. Sierra Auto Finance
15. Credit Acceptance Corp. (CAC)
16. Nationwide Acceptance
17. 1st Investors Financial Services
18. Regional Acceptance
19. Westlake Financial

Please be aware that I do not recommend any of these companies‼️

It is advisable to avoid engaging with them due to their high interest rates, typically ranging from 15-20%. This can potentially lead to being upside down on your auto loan. Please exercise caution.

Credit repair is a two-way street. While we work diligently to improve your credit, your active participation is key to achieving lasting results. Let's work together towards your financial goals!

Be Wary of Closing Old Accounts‼️ Closing old credit accounts can shorten your credit history, potentially impacting your credit score. If an account doesn’t have high fees, consider keeping it open to maintain a longer credit history.

Avoid Opening Too Many Accounts at Once‼️ Opening multiple credit accounts within a short period may be seen as a red flag. It can negatively affect your credit score, so be mindful of your credit application frequency.

Cheers to a credit-worthy weekend ahead! Secure your financial goals by taking the first step today. 🌐💳

Keep Credit Utilization Low‼️ Aim to use only a small percentage of your available credit. High credit card balances relative to your credit limit can negatively affect your credit score.

Ready to transform your credit score? Let’s kick-start your journey to financial freedom. 💳✨

This could be you but you haven’t scheduled a consultation yet!

List of banks and lenders. It shows what bureau they pull from and what score is needed for some of them.

*Amex – Experian
*Bank of America - Equifax
*Barclaycard Apple Rewards – Experian (720+ $3,500)
*BMW Financial Services – Experian
*BMW Financial Services – Experian (695+ $50,000 Lease)
*Capital One Auto Finance – Experian – Equifax
*Capital One Auto Finance – Experian (650+ $30,000 with Proof of Income)
*Capital One Bank Credit Cards – Equifax – Transunion
*Capital One Venture – Experian – Transunion (650+ $5,000)
*Capital One Quick Silver 1 – Experian (600+ $500)
*Capital One Venture – Experian (680+ $20,000 with 2 AU’s over $10,000 each)
*Car Smart – Transunion
*Carmax – Experian – Equifax – Transunion
*CBNA Credit Cards – Experian – Equifax
*Centric Credit Union Visa – Experian (530+ $500)
*Chase Bank – Experian & Equifax
*Chase – Experian (750+ $10,000)
*Chase Amazon Rewards – Experian (750+ $7,000)
*Chase Freedom – Experian (750+ $7,000)
*Chase Ink Bold – Experian (720+ $15,000)
*Chase Sapphire Preferred – Experian (720+ $18,000) Chase Southwest Plus – Experian (750+ $3,500)
*Chase Amazon Rewards – Experian (750+ $7,000)
*Chase Freedom – Experian (750+ $7,000)
*Chase Ink Bold – Experian (720+ $15,000)
*Chase Sapphire Preferred – Experian (720+ $18,000) Chase Southwest Plus – Experian (750+ $3,500)
*Chase United Explorer – Experian (720+ $19,500)
*Citibank Best Buy - Equifax
*Citi American Airlines Platinum – Experian (720+ $6,500)
*Citi Double Cash / Citi Thank You Premier – Experian (720+ $6,800)
*Citizen’s Bank (location specific) Equifax
*Community First Credit Union – Equifax (region specific)
*Community – Transunion or Equifax
*Credit Union of Texas – Equifax
*Credco Auto Reseller – Experian – Transunion
*Chrysler Credit – Transunion – Does Not Re Report to D&B Dell Computers *Preferred Account – Experian (690+ $1,500) Delta Skymiles Gold Amex – Experian (660+ $5,000)
*Digital Credit Union DCU Personal Loan – Experian (700+ $26,000)
*Digital Credit Union DCU Auto Loan – Experian (700+ $25,000 with Proof of Income)
*Direct TV - Equifax
*Discover Card – Equifax – Transunion *Discover It – Experian (620+ $1,500 - $5,500)
*Drive Finance Auto Financing – Experian – Transunion
*Elan Financial - Equifax
*Fifth Third Bank – Transunion
*FIA Amex Fidelity American Express – Experian (740+ $9,000)
*Fidelity Amex Investment Rewards – Experian (720+ $12,500)
*Fidelity Investment Rewards Visa *Signature Card – Experian (750+ $7,500) *FirstBank Credit (FNBO) SavingStar *Amex – Experian (650+ $1,000) FNBO/*NRA – Experian (740+ $8,500)
*First Choice Bank – Primer Visa – Experian – Equifax – Transunion First Data *Merchant Services – Credit Card *Merchant Account Processor Greater Texas FCU – Experian (620+ $27,000)
*Hertz Corporation – Equifax Home
*Depot – Experian (650+) HSBC –
Transunion
*Jared/Sterling – Experian (600+ $1,500)
*JCB Marukai Premium California – Experian (750+ $5,000 with Proof of Income)
*JCrew (Comenity) – Experian (600+ $750)
*JP Morgan Chase Business – Transunion – *Chexsystems JP Morgan Chase Bank – Equifax Kohls – Experian (560 $300)
*Lexus Financial Services – Experian (690+ $90,000 with Lease)
*Mercedes Auto – Transunion + Experian + Equifax
*Macys – Experian (700+ $1,000)
*NASA FCU Platinum Rewards – Experian
*NASA Visa Platinum Cash Rewards – Experian (735+ $20,000)
*Navy Federal Credit Union – Equifax – Transunion
*NFCU GoRewards Visa – Experian (660+ $1,000)

Having bad credit is costing you!
It’s time to fix your credit & get on the road to financial literacy 📈
Message us for a consultation today!

Halfway through the week, and it’s the perfect time to invest in your financial future. Repair your credit, embrace a brighter tomorrow! 🌟💳

Pay Bills on Time‼️ Timely payments are crucial for a positive credit history. Set up reminders or automatic payments to ensure you never miss due dates, helping to boost your credit score.

Your credit story deserves a comeback! Let’s rewrite it together. Unlock opportunities with a stronger credit foundation✨
Schedule a consultation to get started rewriting your credit story today!
https://square.link/u/fd6QlYfm?src=sheet

Help me welcome my client into the 700 club🥳🥳 This is what it looks like when you stay consistent 👏🏽 Hard work pays off!

Contact us today for a consultation!

If you have 400-675 credit score & want a 700-800+ Credit Score, I can legally erase negative items...repos, foreclosures, late payments, medical bills, student loans, evictions & more‼️

Credit bureaus don’t have verifiable proof in their files required by federal law so they remove negative accounts from your credit reports EVERY TIME - IF you know how to properly request them to move it 💡

5 Companies that will HELP you pay the following:

▪️Light Bill
▪️Rent
▪️Mortgage
▪️Credit Card Bills

These companies will allow you to pay them back in PAYMENTS. You can use these apps to Build Credit & Build Payment History! ✍🏾

****Download Free****IOS APP STORE

Good credit can take you places 💎

Contact us today to get started!

💎How do we turn credit to cash ? 💎

It’s the same 5 step process no matter who you are, what you make, where you come from you can use credit to transform your life and get financial freedom

1. Fix your credit
2. Build your credit
3. Get funding
4. Invest into a asset that can bring you income
5. Pay off the initial investment and repeat

Credit is POWER and is the number one secret rich people use to build wealth.

It's important to note that while credit is beneficial, it should be used responsibly. Managing credit wisely, paying bills on time, and avoiding excessive debt are crucial for maintaining a positive credit history and reaping the benefits associated with good credit✨

Credit is important for several reasons in personal finance:

1. **Borrowing Opportunities:** Good credit opens doors to various borrowing opportunities, such as mortgages, auto loans, personal loans, and credit cards. A higher credit score may lead to better interest rates and terms.

2. **Homeownership:** Many people need a mortgage to purchase a home. A solid credit history can increase your chances of qualifying for a mortgage with favorable terms.

3. **Auto Financing:** When buying a car, having good credit can result in lower interest rates and more favorable financing options.

4. **Renting a Home:** Landlords often check credit scores as part of the rental application process. A positive credit history can make it easier to secure a rental property.

5. **Job Opportunities:** Some employers may check an applicant's credit history as part of the hiring process. While this practice is restricted in some places, a good credit score can reflect positively on your financial responsibility.

6. **Lower Insurance Premiums:** Credit scores are sometimes used by insurance companies to determine premiums. A higher credit score may lead to lower insurance costs.

7. **Credit Card Approval:** Having good credit increases the likelihood of being approved for credit cards with better terms and rewards.

8. **Emergency Funds:** Credit can serve as a financial safety net in emergencies when immediate cash isn't available. Credit cards can be a useful tool for managing unexpected expenses.

9. **Building Wealth:** Establishing and maintaining good credit is a step toward building a solid financial foundation and can contribute to long-term financial success.

You will sleep in your new house in 2024 🙏🏽🙏🏽
CLAIM IT !! 💫