Conquer Your Credit

Name: Conquer Your Credit
Address: Sumpter Road, Belleville, MI, 48111, US
Telephone: +17345521813

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Conquer Your Credit

Shelley l Credit Coach
💸Debt Collection Advocate 💳Certified Credit Consultant
👉🏽I design action plans to help you conquer your credit challenges and goals 🙌🏽

06/06/2023

This post just saved you a whole lotta time and effort….

With this top 10 list of common credit report errors, you'll be able to spot mistakes affecting your credit score, approval odds, and/or interest rates

P.S. Don’t forget to save and share this post 📌

12/10/2021

The biggest lie I tell myself is…

“I don’t need to write that down, I’ll remember”

Then, I forget 🤦🏽‍♀️

I know you can relate right?

Well fam, if this is happening when it comes to paying bills then it’s time to do something about it. Especially when it comes to paying your credit cards

Paying your credit card bill is essential to avoid late payment fees, possible over-the-limit fees and missed payments

But y’all know I come with goodies. So here’s one option to help keep you on track:

Change your credit card due date!

💳 Nobody forgets payday. So, line up the date your bill is due with your payday to help avoid missing payments

💳 If your credit card bill comes at the same time as other major payments like your mortgage/car payment you may experience a serious drain on your finances

So, ask your credit card company to change your payment due date a couple weeks after those other big bills

💳Changing your due date can help improve your credit score! Find out when your card company reports to the credit bureaus, then change your billing due date so that it falls about a week or so before that

This way, you’ll have just made a payment when your balance is reported, and your utilization will report low every month

Just call customer service or the option may even be available online!

🛎Do me favor…share this post💙

10/19/2021

Hey Conquerors!

I get this question a lot and it’s a really good one

“How do I know when I should file for bankruptcy?”

Bankruptcy may be your best option if the amount of debt you owe surpasses your ability to make even minimum monthly payments

What does that look like? You have several accounts past due, in collections or charged off and no way to catch up or bring them current

Before deciding to file bankruptcy, it’s best to take a hard look at your finances and talk to your creditors to find out if there are any options to negotiate your balances

Questions or comments? Leave em below 👇🏽

10/13/2021

🚨Credit Tip in Under A Minute

People often ask “How do I get my credit score to an 850?”

Where here’s a few basic tips to boost your credit score, no matter where you are on your credit journey

1) Pay your bills on time to establish a positive payment history (2 yrs+ is key)

2) Pay off or lower your credit card balances to at least 10% of your limit

3) Apply for credit sparingly (no more than 2 inquiries a year)

Keep this up and watch your score 🚀

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09/28/2021

This tip seems simple, but I promise you, most people don’t even think to maximize earning their credit card rewards points this way

Have you tried it?

Add an authorized user to your credit card (one that offers the best reward perks)

Every time your authorized user swipes the card, they earn rewards points for you!

My advice: add hubby/wifey, your kids or parents. Someone you know well and trust to use the card responsibly and make sure your monitoring every transaction (which you should be doing anyway)

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09/23/2021

In 2018, I challenged myself to start saving more money. One way I’ve found to help earn some cash to add to my savings is by using cash back rewards from my credit cards! We spend money everyday right? Why not benefit from it?

Using credit cards comes with responsibility but can be rewarding, literally💰

Essentially cash back rewards is free money you earn for buying things u want or need anyway. The best way to earn rewards points from your credit card is to use your card to pay your normal monthly expenses and then pay off the balance each month. This way, your not carrying a monthly balance or accruing interest fees and earning your rewards🤑

Don’t Be Average: Use Credit Cards To Your Advantage🖖🏽

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09/14/2021

🚨UPDATE 🚨

So, a couple months ago, Wells Fargo announced they were closing all existing personal lines of credit

Well, the people weren’t feeling it and after some push back, the company decided against closing personal lines of credit for people who have active accounts

Here’s what you need to know:

If you currently have and use this credit line, keep using it

If your account has been inactive for 12 months, you can either use it to activate or call Wells Fargo

If you don’t reactivate it by Dec 2, the account will be closed (which could negatively impact
your credit score)

Wells Fargo will not open new lines of personal credit (they’re firm on that)

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08/03/2021

These 9 words are the reason debt collectors make millions of dollars every year….

“What is the absolute most you can pay today?”

See, debt collectors know that people hate owing money. And with the right tactics, they know how to get something from you. Because to them, something is better than nothing

But here’s why debt collectors really love to get to agree to making a payment, even if it’s not the full amount:

•Making a partial payment resets the Statute of Limitations. Debt collectors know that once a unpaid balance becomes Statute Barred, it’s uncollectable and you don’t have to pay.

•A payment of any amount can an negate your claim of a dispute. A payment can be considered an admission of debt- that is, an acceptance that you the money. This is gold for them.

By now you’re wondering what you should do right? Well, the answer is quite simple, always request debt validation before agreeing to make a payment-of any amount

🔔Collections weighing you down? Click here
👉🏽 https://bit.ly/3l1lPP1 to sign up for credit repair today

07/22/2021

The biggest lie I tell myself is…

“I don’t need to write that down, I’ll remember”

Then, I forget 🤦🏽‍♀️

I know you can relate right?

Well fam, if this is happening when it comes to paying bills then it’s time to do something about it. Especially when it comes to paying your credit cards

Paying your credit card bill is essential to avoid late payment fees, possible over-the-limit fees and missed payments (which could drop your credit score more than 100 pts 🤯)

But y’all know I come with goodies. So here’s one option to help keep you on track: Change your credit card due date 👍🏽

💳 Nobody forgets payday. So, line up the date your bill is due with your payday to help avoid missing payments

💳Changing your due date can relieve stress on your finances. If your credit card bill comes at the same time as other major payments like your mortgage/car payment you may experience a serious drain on your finances

So, ask your credit card company to change your payment due date a couple weeks after those other big bills

💳Changing your due date can help improve your credit score! Find out when your card company reports to the credit bureaus, then change your billing due date so that it falls about a week or so before that

This way, you’ll have just made a payment when your balance is reported, and your utilization will report low every month (keep utilization at 10% or less to benefit)

P.S. Did you know I offer coaching calls? It’s a great way to get expert answers to your personal credit questions. 📲Book a coaching call with me to discuss a strategy to improve your credit here https://bit.ly/3s0BosT

07/15/2021

Ah-ahht!! Don’t scroll by without reading this 🤨

Two mistakes that ppl often make while using their credit cards:

☝🏽Late payments

✌🏽Going over the credit limit

Not only will both cost you extra in over-the-limit and late fees, but can also have a devastating impact on your credit score

Here’s a couple tips to get back on track:

💳 Consider using auto-pay or changing your credit card due date. Choose a date that’s easier for you to remember, like the first of the month

💳Opt out of the ability to go over your credit limit. Instead, your card will decline transactions that will take you over your credit limit and prevent additional fees

P.S. Conquer Your Credit offers 1-on-1 coaching calls to answer your personal credit questions. Click here https://bit.ly/3s0BosT to schedule today!

07/13/2021

This tea is piping hot so keep reading ☕️

If you already have a credit card, your creditor can check your credit report to decide whether to keep your account terms the same or to change them…and they don’t need your express permission 😳

Did y’all know this?!

On top of that…if they find some things they don’t like, they can raise your interest rate, lower your credit limit or close your account completely [is where things can get ugly real quick]

But I got y’all so don’t worry 😉

Here are couple things that your creditor doesn’t like too see:

🚩High balances / Maxed out cards

🚩A history of minimum payments

🚩Cash advances on your credit card

I ain’t gone lie…the cash advances surprised me because it’s not something that shows on your credit report. Neither does making only minimum payments

But what you need to know is, the credit card company doesn’t just look at your credit score or credit report..

They’ll also review review your account history to look for anything that might suggest your having trouble financially

Hopefully this helps someone

Now I need a favor…

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Address

Sumpter Road
Belleville, MI
48111

Telephone

+17345521813

Website

http://www.conqueryourcredit.org/

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