The Empress of Economics

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The Empress of Economics

Empowering You to Rebuild Your Financial Future, One Credit Score at a Time.

04/24/2024

Take the risk, because staying in the same spot won't get you anywhere. Don't let fear of the unknown keep you stuck. Remember, growth happens outside your comfort zone.

03/04/2024

Let's talk about it. You know, there's this common misconception floating around that once you pay off a collection, it automatically gets removed from your credit report. But, reality check: it doesn’t work that way.
Dealing with collection accounts requires a solid game plan before you even consider paying. Why? Because your goal should be getting that collection account deleted from your credit report if you pay them.

Before you even think about settling a collection, here's the thing: you need to send a letter to that collection agency requesting proof. And here's why it's important:

First, you need to verify if that debt is legitimately yours even if you know you owe the debt. Don't assume that just because a debt collector says you owe, you're automatically responsible.

By doing this your demanding proof from the debt collectors. Sometimes they try to resurrect old debts just for a quick payday. And with those old debts, they might not even be able to prove you owe a cent.

Plus, it's important to confirm the legitimacy of the collector. Were they actually hired by the original creditor to collect this debt on their behalf? It's important to make sure that you're dealing with the right people.

If you're feeling lost in this process, just me a DM with the word "HELP" to book a FREE credit consultation call.

03/01/2024

We're stepping into this month with power and purpose! 💪🏾✨ New month, new week, and we're all about hitting those goals and taking action. Let's manifest that magic by making moves, setting intentions, and owning our success! Your dreams are waiting – Keep shining, keep pushing! Let's go!🙌🏾

12/08/2023

No judgment at all. I'm right there with you - got my own clothes to fold too!
Don't forget to get your FREE 101 credit tips ebook. Just tap the link in the bio to sign up.

12/05/2023

Tired of feeling frustrated and disappointed because you wasted money on expensive credit repair services and got zero results?

If you've been dreaming of buying your dream home for your family, upgrading your car, or getting the funding you need to grow your business, then this DIY credit repair kit could be the solution you've been searching for.

Discover the step-by-step blueprint to fix your credit in as little as 30 days. Say goodbye to costly services that deliver no results.

To get your FREE copy of the DIY credit repair kit now and start fixing your credit today!
Sign up -->

12/02/2023

We all know how important your credit score is for stuff like getting loans, credit cards, or renting an apartment. But here’s the thing – instead of obsessing over that score, shift your focus to your entire credit history.

Your credit history is the key main ingredient that cooks up your credit score. The cool thing is, you can actually have a say in how it turns out. If your credit score isn’t vibing where you want it to be, step one is get a copy of your credit report. Check out your credit history to figure out what’s going on and take the right steps to improve it. 💳📊

Need some help? No worries! I’ve got a totally FREE Credit Repair DIY Kit just for you.It has everything you need to improve your credit, no matter your situation. Just tap the link in my bio to sign up – it’s that easy. 🆓🔧

11/30/2023

Did ya’ll know I got a FREE DIY credit repair kit to help you remove negative items from your credit report and boost your credit score?
Sign up --> https://diycreditkit.com/

10/17/2023

Building a strong credit profile is like laying the foundation for your dream life! It might not happen overnight, but every responsible financial step you take is a brick in the path to financial empowerment.

If you need help figuring out how to get your credit repair journey started, just tap the link in my bio to download a free copy of my '101 Credit Tips' eBook. This eBook will give you the basics about credit and the tips and strategies to improve your credit.

10/13/2023

Okay, so before we dive into how this whole thing works, let me just clear the air. I'm not here to be like, "Don't pay your old debts," 'cause that's not what I'm about. What I'm saying is, there's this common belief out there that when you pay off a collection, it's gonna magically disappear from your credit report or instantly boost your credit score. But, it doesn’t work like that.

When you're dealing with collection accounts, you gotta have a solid strategy in place before you even think about paying. Why? 'Cause you wanna up your chances of getting that collection account wiped off your credit report.

Before you even think about paying off a collection, here's the deal: you wanna hit up that collection agency with a letter asking for validation. And here's why it's a must-do move:

First off, you gotta double-check if that debt is really yours. Don't jump the gun and assume that just 'cause a debt collector sent you a bill, it automatically means you're on the hook.

You gotta make those collectors show you the receipts. 'Cause sometimes they bring old debts back from the dead just to make a quick buck. And with those old debts, they might not even be able to prove you actually owe.

Plus, you wanna be sure this collector is the real deal. Did the actual creditor hire them to collect this debt on their behalf? It's all about making sure you're dealing with the right people.

If you need help with this. DM me the word “FREE” to schedule a FREE credit strategy consultation.

10/10/2023

Your credit score can have a major impact on your financial life, but there's a lot of confusion out there about how they actually come up with these scores.

When it comes to your credit score, you gotta know there's not just one, but multiple credit scoring models in the game. They all play by the same rules, but they each put their own little spin on calculating your scores.

FICO is the most recognized credit score and it has over 50 different versions of your score that it sends out to lenders.

So, basically, your score can fluctuate a few points here and there depending on which model is used and which company's asking for it.

Just to break it down, your FICO score when applying for a department store credit card could be slightly better or worse than your FICO score for a bank considering you for an auto loan.And that will be slightly different from your FICO score when applying for a mortgage loan.

I hope this helps. Be sure to follow for more credit tips

10/07/2023

We're all guilty of waiting for that perfect moment to start our goals, right? 🙄 But here's the truth: that 'perfect' time might just never show up.

Now is the perfect time to get your credit in position, whether you're trying to secure homes, cars, rental properties, or funding for your business. Don't wait until you need your credit. Stay ready, so you don't have to get ready. Your financial future depends on the choices you make today, and building a strong credit foundation is an essential part of that journey.

2024 is just around the corner. No need to wait for the new year to get your credit game strong – start now and make those money moves to reach your credit goals!

Tap that link in my bio and book to a free credit coaching call. 💳 🚀

Address

3000 Atrium Way, Suite 200
Mount Laurel, NJ
08054

Website

http://www.diycreditkit.com/

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