Conquer & Overcome

10/30/2024

🎃 Tackling debt may seem terrifying, but living with it can haunt you even more. 🧟‍♂️

• Feeling trapped in worry or bitten by paycheck deductions?
• The sleepless nights and constant calls can be scarier than any ghost! 👻
• It’s time to break free from these financial frights and reclaim your peace.

Let’s take action together! 💪🏾 Don’t let interest be the zombie that keeps your debt alive or stop you from retiring peacefully.

Ready to stop the horror show? Hit the link in bio to start your debt-clearing journey today

09/13/2024

🚨 Major Update for Student Loan Borrowers 🚨

Navient, one of the largest student loan servicers, has been banned from handling federal student loans by the CFPB (Consumer Financial Protection Bureau) and has been ordered to pay $120 million due to wide-ranging failures in its student loan servicing practices. 🎓💸

For years, Navient misled borrowers, steering them into costly forbearance instead of helping them access more affordable repayment plans. This decision is a huge victory for millions of students and graduates who have struggled with improper loan servicing. If you’ve had issues with your student loans, you may be impacted by this decision.

🔑 Key Takeaways:
- Navient is permanently barred from servicing federal student loans.
- $120 million in restitution has been ordered to help those affected by Navient’s practices.
- If you’re a federal student loan borrower, stay updated on your loan servicer status and available repayment options.

It’s time to take control of your financial future. 💪

For more details, read article here

https://www.consumerfinance.gov/about-us/newsroom/cfpb-bans-navient-from-federal-student-loan-servicing-and-orders-the-company-to-pay-120-million-for-wide-ranging-student-lending-failures/

09/13/2024

🚨 Major Update for Student Loan Borrowers 🚨

Navient, one of the largest student loan servicers, has been banned from handling federal student loans by the CFPB (Consumer Financial Protection Bureau) and has been ordered to pay $120 million due to wide-ranging failures in its student loan servicing practices. 🎓💸

For years, Navient misled borrowers, steering them into costly forbearance instead of helping them access more affordable repayment plans. This decision is a huge victory for millions of students and graduates who have struggled with improper loan servicing. If you've had issues with your student loans, you may be impacted by this decision.

🔑 Key Takeaways:
- Navient is permanently barred from servicing federal student loans.
- $120 million in restitution has been ordered to help those affected by Navient’s practices.
- If you’re a federal student loan borrower, stay updated on your loan servicer status and available repayment options.

It’s time to take control of your financial future. 💪

For more details, read article here

https://www.consumerfinance.gov/about-us/newsroom/cfpb-bans-navient-from-federal-student-loan-servicing-and-orders-the-company-to-pay-120-million-for-wide-ranging-student-lending-failures/

Today, the Consumer Financial Protection Bureau (CFPB) filed a proposed order against the student loan servicer Navient for its years of failures and lawbreaking.

08/15/2024

🚨 Important Alert: Protect Your Credit After the Recent Data Breach 🚨

With the recent National Public Data Breach potentially exposing millions of Social Security numbers, your credit could be at serious risk. Identity thieves can use your SSN to open fraudulent accounts, take out loans in your name, and ruin your credit score. But you can take steps to protect yourself now!! Here's a few things you can do:

1. Immediate Credit Monitoring: These services are your first line of defense, alerting you to any suspicious activity on your credit report so you can take action quickly, Click the link in the bio for assistance.

2. Place a Fraud Alert: If you’re in the process of making a major purchase—like a house, car, or investment—placing a fraud alert on your file is crucial. This alert tells potential creditors to verify your identity before approving any new credit, making it much harder for thieves to take advantage.

3. Consider a Credit Freeze: If you’re repairing your credit or not planning to use it soon, freezing your credit is a smart move. A credit freeze locks down your credit report, preventing anyone from accessing it to open new accounts without your permission. This step is especially useful if you’re focused on improving your credit score or simply want to safeguard your financial future.

4. Regularly Check Your Credit Reports: Obtain free copies of your credit report from AnnualCreditReport.com and review them for any unauthorized accounts or inquiries. This routine check helps you stay ahead of potential fraud and ensures your credit report reflects accurate information.

5. Report Any Fraudulent Activity: Notice something off? Don’t wait. File an FTC report for any fraudulent information or activity you spot on your consumer report. This formal complaint is essential in documenting your case and starting the process of correcting your credit report.

Stay Informed! Keep up with the latest news about the breach and follow any advice or steps recommended by experts to safeguard your personal information. Taking these precautions now can save you from potential credit damage and financial loss.

05/09/2024

🚨How to delete collections from your credit report🚨

Follow these steps to get any marks from your credit report. Click the link in the bio if you need a walkthrough of the process!

Conquer those collections! 💪

05/09/2024

🚨How to Delete Collections🚨

•I have been getting a lot of messages from people regarding an old collection that has begin to show up on their credit report.

•Ironically, I have had the same collection pop up on my credit as well. The collection company is JEFFERSON CAPITAL SYSTEMS. They acquire multiple debts from creditors, but the most recent one they are trying to collect upon is SPRINT.

•If you know like I know, sprint is no longer in business and has been acquired by T-Mobile. Whether you have good credit or bad credit, a collection can pop up at anytime.

•Fortunate for us, we have the ability to fix our credit at any time, and I will show you exactly how I got it deleted based on the strategy I tell for free and break down in my eBook, and its quite simple. Here are the steps:

•1.Review your credit report.

•2. Send the collection agency a cease and desist along with a debt validation letter.

•3. File a complaint with the consumer financial protection bureau (CFPB) and attach the documents you sent to the collection agency.

•By then they will either send you a statement regarding the debt, or likely delete it.

•There is no such thing as good or bad credit, but it's the knowledge of knowing or ignorance of how to handle negative items on our credit report.

•Use this to be more informed and aware and let me know how it works for you.

I am back doing free consultations for those who need additional assistance, click the 🔗

https://linktr.ee/cocyclebreakers

01/12/2024

🚀 Start the Year Right! 🚀

In the very first webinar of the year, I’m diving deep into the power of YOU 🌟 as a Power of Attorney. 📜

Did you know? Whether you realize it or not, this impacts your life every single day. 🌅

As long as it’s assumed no one can speak for you, someone else have will control over ANY asset you attain. 🏡💰

Let’s kick this year off strong!

💥 Grab your notebook 📒 and get ready, because this one’s going to be 🔥HEAVY🔥.

Join the class by clicking the link in the bio‼️

See you there! 🎓💪

02/22/2023

Repost from
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*swipe* If you needed funds for bills, investing, your business or dammit just to have fun with, I literally just gave you one of the easiest plays.

We have to stop wondering why we don’t have means to money when if we used a little thinking and logic we can really have whatever we want.

If I need money to invest, I’ll find a way to take a loan out on myself before going to a bank and there are a lot of investments that can be made

Let’s not forget the reward points you’ll pick up on the way . 🛫🛫

Text overcome to (708) 462-2410
Click the link in bio for a free consultation 📅
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#2023

05/12/2021

Change the people around you or change the people around you

05/03/2021

200k mortgage removed!! This will increase their score and lower their DTI (Debt to Income ratio) significantly. Don’t let negative items destroy your credit and your financial lifestyle

Text overcome to (708) 462-2410
Click link in bio for a free consultation
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#2021

04/23/2021

If you have good or established credit, one of the best things you can do for your children is make them an authorized user on an eligible credit card. Here’s why:

15% of your credit score is the age of credit. This is one of the biggest reasons consumers with new or no credit get denied for funding.

30% of your credit score is your credit card utilization. *you can get optimum results with keeping your utilization under 10% of the credit card limit*

35% of your credit score is my our payment history. A 💳 with 5 years of history is a total of 60 payments.

When your child turns 18, they can be approved for up to 25-75k in funding with no co-signer or co-applicant.

Now they will have startup money for whatever they wanna do.

Because of your financial responsibility, you’ve accelerated the wealth transfer from generation to generation.

Text overcome to (708) 462-2410
Click link in bio for a free consultation
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#2021