02/14/2023
My Pandemic Goal Was To Come Out Of It Better Than I Came In. One of those Check Off The Pandemic Goals Was My Personal Credit.
☝️thing I Can Tell You Is Credit Is Not A 🏁Race.
Slow And Steady Wins The Race.
Consistency Is Key, Even if it’s only $2.
‼️‼️$2 literally brought my credit score up 80 points believe it or not!
💰Second Pandemic Goal: Business Credit
🏡Third Pandemic Goal: Purchase My First Home
🏠🏠🏠🏠🏠Third Pandemic Goal: (5) Doors for Air B&B (two doors in)
Fourth Pandemic Goal: Maserati
(2) Goals Accomplished and A third one is right around the corner.
Biggest thing I learned through every minute mistake I made along the way… your credit don’t fix itself. It DOESNT START UNTIL YOU START!
The credit reporting agencies will allow inaccurate information to sit on your credit report for 8 years if they could, all the while you’re getting denied your rights as a consumer, housing, driving safe vehicles and denied credit cards.
Side note: I was pre approved for 3 American Express Cards In One Day and Didn’t take the offer yet. Why? Because I want my score 10 points higher, (5) reporting 10-25k tradelines, and then hit them with an inquiry because I know my baseline will be at 10k - 25k minimum. This might cost you $150 a month for 3 months. Run that play and (2) Navy Federal Pledge Loans Consecutively and you’ll be getting 35k + offers minimum for Anyone and Everyone (60k easily) so I just turned $450 into 150k by being PATIENT. And that’s not including a lender that will match what’s inside of my bank account, Even if you liquidate your credit cards, you can place it right back, move your amounts around so your utilization % can be what’s needed to report that month, (((PAY ATTENTION))) and you can move your personal credit debt over to business credit.
Patience & Planning is everything. I know there’s so many ways you can flip the pie, this was just a morning inspiration to ATLEAST GET STARTED! 🍎
I watched so many people get BAGS during pandemic and don’t have a pot to P*ss in now and a 473 credit score, A Car, House nor an established business. Make your goals, and check them off!