Credit Sista

I'm apologized for not posting in a while. Things are very busy with credit sista and other ventures but I'm very happy to see goals happening 🙌🏾🙌🏾
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#2017

Take a step back and evaluate the buying and borrowing decision objectively. Try to eliminate the emotional (“I really love this car”) from the practical(“I need a dependable car with good gas mileage”). Remember the reason you are applying for credit and ask yourself, “What am I going to use this money for, and what is the least amount I need to borrow in order to achieve my goal?”
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Good morning! Make sure your mortgage is paid on time and every time if possible! Going to be behind? Call up your lender and work something ---------------------------------------

🔴• Never agree to provide post-dated checks or any automated deduction from your checking account.
🔴• Record the phone call if you can and at a minimum take detailed notes of your conversations.
🔴• Don’t pay anything until you get agreement from the collector for your deal in writing. Delay negotiating till the end of the month – collectors are under monthly quotas for productivity.
🔴• Request that your debt be shown as “paid in full” rather than as “settled.”🔴• Tell them as little as possible about yourself and don’t be pressured for time.
🔴 • Don’t agree to terms that you can’t afford – always offer less.

🔴The FICO® score allows for “rate shopping”, so you won’t be penalized for comparing rates and lenders on auto loans and mortgages. Typically, consumers talk to more than one lender in these situations, and this may cause multiple lenders to request your credit report, even though you are only looking for one loan. To compensate for this, the score ignores all mortgage and auto inquiries made in the 30 days prior to scoring. If you nd a loan within 30 days, the inquiries won’t a ect your credit score during rate shopping.In addition, the scoring model looks on the credit report for auto or mortgage inquiries older than 30 days. If it nds these inquiries, it counts all that fall in a typical shopping period as just one inquiry when determining the score. For FICO® scores calculated from older versions of the scoring model, this shopping period is any 14 day span. For FICO® scores calculated from the newest versions of

This how your fico score is calculated. The most common concern is credit card balances. If you are close or half to close to maxing out you let credit card, your sore will drop. Period! It will only recover when you start paying down the balances. I know it's hard with holidays and but make it your business to start paying down those balances.
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#2017

I want to personally wish everyone a happy New Year! I really hope everyone reaches their goals, matter of Fact I hope every MASHES their goals for 2017.
I hope one goal is to have better credit and I'm not going go on about how important it is but I will give you the basic tools you need to understand how to repair,rebuild, and raise.
🔴 for this, go to the link in my bio to start the free credit repair course, if you have questions, email me at [email protected]
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🔴Deal with Debt collectors
🔴write letters to the bureaus
🔴rebuild your credit
🔴Raise your score to get you approved for loans

Have you signed up yet? It doesn't hurt to. Besides you will be gaining never losing.
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Some credit reporting agencies use information from a consumer credit report for target marketing without the consumer’s express permission. ----------------------------------
If you wish to block your name from being sold by credit bureaus, you may choose to “opt out.”
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Removing your name from these pre-approved lists does not affect your ability to apply for or obtain credit or insurance. For purposes of privacy and ID theft prevention, and because collection agencies can use these lists to locate you 🙀. it is a good idea to opt out of prescreened credit offer

Closing old credit cards will hurt your credit score in two ways. First, when you close an old card, it will reduce the over length of your credit history which will in return lower your credit score. Second, closure will lower the amount of high credit you have between all of your credit accounts.
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Merry Christmas to you and yours
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I hope everyone have a happy and safe holiday, use cash is applicable and stay away from your Credit Cards❗️ Maxing out is very easy to do this time of year.
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Stop fearing and just jump.
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Emergencies such as losing your job, a medical crisis, or a death in the family can often be an unexpected financial strain, if you're unprepared.

" yeah but that's not realistic because I'm living paycheck to paycheck"

🔴Here a solution: My girl actually has a hot webinar that shows how to stop living pay check to Pay check and free up more money. It's pretty dope!

Remember: Education is the key ladies and gents ❤️
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Celebrating my bday with the silly one.
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Check out the lastest blog post!

5 small tips on how to raise your credit score. | Credit Sista- Credit Counseling & Restoration Service Many consumers complain that it's hard to raise your credit score once it's damaged, but this idea is far from the truth. It does not matter how bad your credit...

For real!!! 😁
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Lack of budgeting is a major factor in why people have a bad score. Spend time formulating a weekly and monthly budget. It will allow you to spend less than you earn and put extra money away toward paying off your debt.
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I'm not an attorney and nor am I providing legal advice. It's just information.

). Use this defense when the plaintiff bought your debt from the person or company that you owed money to. Because you never signed a contract with the plaintiff who bought your debt, you can ask if the plaintiff can sue you (also known as standing to sue you). The plaintiff must prove to the court that it owns your debt. To do this, the plaintiff must have a contract of sale (assignment) that says your debt has been sold.

Good morning 🌞

Here's a sneak peak of a lesson from the credit repair course.
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I know we can get excited when those credit card offers start rolling in, but pace yourself! Credit building takes time 😊😊 -------------------------------------------------- us

Don't get sucked into " oh we have to check your credit first " No. Ask for pre qualification first! Or bring a recent copy of your credit report and fico ( if obtaining an auto loan or lease) a pre qualification results in a soft inquiry which does nothing to your score

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71% of American American MIDDLE CLASS!
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If you have a high credit balance, pay it down. You will start seeing Improvement in you scores and if use up to 30% of your credit limit IF you want to see score improvement. Also considering you don't have any negative within 2 years that's weighting you down.
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Love to see people learning from the free course! If you subscribed, feel free to email me questions about any lesson.
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🔴If you don't know the basics on how to repair your own credit then you would need this course. It's Free!

It sure can. Let's make positive thoughts a habit in the morning!

Be careful not to get too many credit card inquires because it could drop your score. The banks don't like to see that you have applied for credit all around the town. If you are applying for a car loan or a mortgage within 45 days, it will count as one inquiry. Soft inquires won't hurt your score, but hard ones will.

Don't lie to improve your score for the following reasons: First, banks can check your correct score with no problem. And second, it's fraud if you misrepresent information on a credit card application.

Oh yes it has!.. Who agrees?
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It's possible

This Guy’s Credit Score Was 487. Here’s How He Turned it into a 721 This guy’s credit score was a 487. Here’s how Credit Sesame’s advice helped him turn it into a 721 in just seven months...