Prosper Path Co.

Don’t miss this Special ✨✨

🇺🇸🇺🇸🇺🇸
✨ Special ✨
Ends July 5th, 2026

💡 Don’t let your budget stop you from reaching out. If money is tight, contact us anyway. We’re happy to discuss your options and help you find a solution that fits your situation. Our goal is to educate, support, and guide you on your journey to better credit.

📞 (214) 431-5453
📧 [email protected]

Prosper Path Co.
Guiding Your Path. Elevating Your Future.

💳 Thursday Credit Tip

Before you apply for a new credit card or loan, avoid closing your oldest credit card.

Your oldest account helps your length of credit history, which is an important factor in your credit score. Even if you don’t use it often, consider keeping it open by making a small purchase every few months and paying it off.

📈 A longer credit history can work in your favor!

Have questions about your credit? Prosper Path Co. is here to help. Send us a message today! 💙💛

🇺🇸🇺🇸🇺🇸
✨ Special ✨
Ends July 5th, 2026

💳 Wednesday Credit Tip

Did you know your payment history makes up about 35% of your FICO® Score?

Even one late payment can have a negative impact on your credit profile and may remain on your credit reports for up to 7 years.

✅ Set up automatic payments or payment reminders to help avoid missing a due date.

Small, consistent habits can make a big difference over time!

📌 Remember: Building better credit isn’t about being perfect, it’s about being consistent.

Prosper Path Co.
Guiding Your Path. Elevating Your Future.

🏡 Credit Tip for Future Homebuyers!

Planning to buy a home soon?

🚫 Avoid opening or using Buy Now, Pay Later accounts like Klarna, Afterpay, Affirm, Sezzle, or Zip while you’re preparing to qualify for a mortgage.

Even if you make your payments on time, new accounts or payment obligations can affect your overall financial profile during the mortgage process. Your lender may ask about them when reviewing your application.

✅ Before making any large purchases or opening new accounts, talk with your loan officer.

A little patience today can help make homeownership easier tomorrow! 🏠

Prosper Path Co.
Guiding Your Path. Elevating Your Future.

🚨 Federal Student Loan Update! 🚨

Beginning July 1, major changes are rolling out for federal student loan borrowers. If you’re enrolled in the SAVE Plan, keep an eye on your email your repayment options may be changing, and you could have a limited time to choose a new plan.

✅ Log in to StudentAid.gov and review your account to stay ahead of any updates.

Share this with someone who has federal student loans! 📚💰

🚨 Ready to take the next step toward stronger credit?

Tradelines may help strengthen your credit profile and open the door to new financial opportunities.

✨ Starting at $85
✨ 2 for $150

📩 Send us a message to learn more and see if a tradeline is a good fit for your goals.

48 hour Sale

💳 Credit Tip Tuesday

Did you know that using too much of your available credit can lower your credit score even if you pay your bill on time?

This is called credit utilization, and it’s one of the biggest factors that affects your credit score.

Here’s a simple example:

❌ Credit Card Limit: $1,000
❌ Balance: $800 (80% utilization)

Even if you make every payment on time, using 80% of your available credit can negatively impact your score.

A good rule of thumb is to keep your balances:
✅ Below 30% of your credit limit
🌟 For the best results, aim for 10% or less when possible.

💡 Example:
If your credit limit is $1,000, try to keep your balance under $100 before your statement closes.

Small changes can make a big difference over time!

👇 Have a credit question you’ve always wanted answered? Drop it in the comments, and it might be featured in our next Credit Tip!

Prosper Path Co.
Guiding Your Path. Elevating Your Future.