Vigor Financial Credit Academy

10/16/2026

Another informative post. Let's alleviate some confusion!

You can still get a late payment on your line of credit after the date that the payment is due. If you don't pay the late payment, it can actually cause you to be late every 30days that the late payment is NOT paid.

So don't roll over a balance on your primary debt (the debt that is being reported on your credit report). It can cause your score to drop every month that balance is rolled over.

10/15/2026

In 2022 your goal was to fix your credit. Then 2023 came. Still nothing. 2024 came and you said, “I’ll get to it.” Then 2025 came and you’re still in the same spot. Now it’s 2026 and you’re still getting denied for credit, don’t understand your credit report, and still don’t know what to do!

Stop! Have a free consultation with education and see what your next steps are. You could’ve been debt free 4 years ago with a FICO score over 740 by now!

To get started: https://vigorfca.com/how-we-work

10/09/2026

10/09/2026

One of the BIGGEST misconceptions on the internet! Consumers think that because they never paid an obligated debt, and it was charged-off and they just avoided like the plague, that they were not going to get found! Depending on the amount of the debt, DEBTORS also hire skip tracers to locate you to pay the debt. Learn how to tackle your debt when a debtor is coming for you in our online course!

10/07/2026

Because a lot of people need visuals to understand what bad and good credit looks like, here are two most common life scenarios!

A high interest rate to anything is EXPENSIVE and it's literally like being on financial punishment.

*See how much you'd be paying for a home and car that becomes unaffordable with bad credit.

10/06/2026

We love how quickly being an authorized user can help when the owner of that card knows how to maintain their credit cards. You can help a close friend or family member quickly boost their score by adding them to 1-2 of your cards that:

*Is older than 3 years
*Maintains utilization under 30%
*Has no late payments the last 2 years

If the card you attach them to obtains a late payment or significant increase in utilization, it can harm them.

Remember, RIDE THE WAVE and then obtain your own credit card!

10/02/2026

Yes this is real! But, don't panic! Your score will rebound. It will give a rollercoaster effect.

Note: Your credit score and profile is based on HOW WELL YOU MAINTAIN YOUR CREDIT DEBT.

10/02/2026

The base of bad credit is disorganized finances. Are you ready to budget properly and plan out your savings and finances? A bonus section: Generational Wealth Planner

Grab your copy now!

https://vigorfcalearningacademy.com/books

10/02/2026

The base of bad credit is disorganized finances. Are you ready to budget properly and plan out your savings and investments? Grab your copy now!

https://vigorfcalearningacademy.com/books