GoalMinded Financial Solutions

04/19/2022

Money flows to me always 🦋🦋

04/14/2022

According to the FTC, One in five people have an error on at least one of their credit reports. Errors on your credit reports can lower your credit score, which could hurt your ability to get new lines of credit.

To see what errors are on your credit report, you’ll want to do a credit report check. For access to your credit report, you’re able to get one free credit report from each of the three major consumer credit bureaus at AnnualCreditReport.com

While there are many different types of errors on credit reports, here are a few that we see more frequently.

🦋Identity Errors
This could include errors in your personal information such as the misspelling of your name, the wrong name altogether or incorrect contact info such as your address or phone number.

🦋Data Management Errors
Things like putting an old account back on your report after it was removed or accounts that appear multiple times with different creditor information.

🦋Balance Errors
Common errors with your balance could be the wrong amount on your balance or the wrong credit limit.

🦋Account Errors
There might be mistakes in the actual status of your accounts. For instance, maybe an account that should still be open is reported as closed, or vice versa.

🚨🚨For a full list of common errors and steps on how to dispute, grab the guide with the link in my bio.

04/14/2022

When was the last time you checked your credit report?

Free weekly credit reports have been extended until the end of 2022.

Read More Below:

The pandemic policy was set to expire April 20, but it’s been extended.

04/06/2022

🚨🚨🚨It's official - President Biden has extended the suspension of federal student loan payments through August 31, 2022.

😎This is the sixth extinction in the past two years since the moratorium began in the wake of the pandemic.

🧐What does this mean for you?

✅Student loans from the Education Department will have payments automatically suspended without penalty or accrual of interest.

✅Collections on defaulted, federally held loans will still be halted.

❎Private companies or university loans are NOT covered in this extension.

❓Questions on this topic, or budgeting for loans? Share your questions in the comments.

04/06/2022

⭐Attention!! We fix low credit scores⭐

We specialize in helping people get their scores to the 800 clubs.

If you would like us to personally review your report and tell you exactly what to do to remove the negatives, give us a call!!

👉 We offer FREE credit consultation.

Our proven credit cleaning strategy gets rid of negative items to get the scores back up that unlock the benefits of buying that home, car, or getting a lower interest rate.

👉 Click the link in our bio for a FREE Consultation with our experts while slots are still available!

04/04/2022

Whether you're building your credit from scratch or rebuilding after your scores have taken a hit, it's important to learn how your scores are calculated and the basic ways to improve them.

Adding positive reporting tradelines to your credit report and building a strong payment history is great way to start rebuilding your credit score.

You want to a nice credit mix on your profile to begin the process of rebuilding

At least 2 Credit cards (Start with Secured if your score is low)
1 Short Term installment & 1 Long Term installment
Keep your utilization under 10%
No Late payments

Click the link in our bio to check out the credit builder card. It’s a great way to get started on rebuilding your credit.

If you are not sure where to begin, Schedule a consultation today and we can get you on the right path

04/04/2022

Financial freedom means making life decisions without being stressed about the financial impact. You control your finances instead of being controlled by them.

Credit is part of your financial power. Working to improve your credit helps you take back control of your finances.

If you are unsure of your credit rating or how to improve it, let’s chat. Send me a message so we can get you on a path to better credit today!!!

03/21/2022

Don’t wait; the time will never be 'just right.' Start where you are, and work with whatever tools you have. Better tools will be found along the way.

03/03/2022

For the month of March, we are offering 50% off our credit rebuilding packages.

If you're having a hard time easing your way out of a financial hardship and can’t get approved for any credit, now is the time to rebuild your credit profile.

Our proven credit cleaning strategy gets rid of negative items to get the credit scores back up. We help to unlock the benefits of buying that home, car, or getting a lower interest rate.

Many clients see a credit score boost in 90 days, but some in as little as 30 days.

If you need help boosting your credit score or removing negative items from your credit report, we can help.

Offer Valid Until March 31

Click the Link in the bio to schedule a FREE Consultation Today!!!

02/28/2022

Everyone wants to have a perfect credit score. That’s why we keep making timely payments, have a nice mix of credit, and maintain a low credit usage. All of these will go to waste once the errors on a credit report is neglected.

‼️According to the Federal Trade Commission, 79% of credit reports contain score damaging errors. So theres a chance your report has errors as well.

Some of the top common errors on a credit report would be:

📍Wrong name, number, address
📍Accounts belonging to another person
📍Closed accounts reported as open
📍Incorrect date of last payment, date opened, or date of first delinquency
📍Duplicate Accounts
📍Accounts with an incorrect current balance

These are just a few common errors. There are many different type of errors that found on credit reports almost daily.

If you find errors, you should take the steps necessary to fix your report quickly. Grab your free ebook in my bio for a step by step guide to repairing your own credit. This guide comes with a full list of common errors, as well as a template letter to get you started. ✨✨✨

02/28/2022

Finances can be tricky, that’s why it’s so important to uplift yourself and speak positive words over you and your money.

Lets reset the negative mindset around money.

✨I choose to live a rich and full life.
✨I give myself permission to prosper and grow.
✨I am worthy of all the richness I desire.
✨I have the power to create the success and buil the wealth I desire.

02/08/2022

You can get out of debt by changing a few habits. Here are three effective ways you can reduce your debt:

🦋Dave Ramsey's Snowball Effect
Tackle the smallest debt first and then move on the the bigger ones. .

🦋Attack the highest interest rate first.
Start by paying off the debt with the highest interest rate debt first.

🦋Most effective Tip: Side hustle/Second job
It's hard to stick to a budget or eliminate debt when you are barely making ends meet as it is. Finding a part time gig or starting a side hustle will help you pay that debt down much faster.