GWD Credit Repair

How did we achieve this FICO score for the client 🤔

✅️ Was consistent with responding back to the credit bureaus about the disputes we sent

✅️ Made a plan for the client to pay down/off debt (credit cards, past due bills, etc)

✅️ Leveraged FCRA rights and CFPB for stubborn companies

Don't take co-signing lightly 🙅🏾‍♀️

As a cosigner, not only will your credit scores fall, but you'll also be liable for repayment of the debt, including late fees and collection costs.

Nolo.com

How to accomplish this?

✅️ Pay down all credit cards (cc) below 20% of its credit limit

✨️Paying off your cc before each statement cycle each month has a bigger impact on increasing your credit score

✅️ Never miss a payment. Payment history makes up the bigger portion of your credit score.

✅️ Be patient. Improving your credit is not a quick fix. Make a plan to pay down/off debt and stick to it.

✨️VantageScore 3.0 model
Credit Karma & Credit Wise

Thinking credit cards are a scam but depending on fringe banks 😬

Stay away from Payday loans, title loans, etc.

✅ Do you know your rights as a consumer?

As easy as a Google search…

Lu: Can I borrow $150?

Jay: I heard you ain’t payback the loan Duke gave you last month though

Lu: Man I got him, my check was short that month. I’m gonna call him

Jay: 🤔 when you plan on paying me back then?

Lu: Soon as I get this job, I gotta interview tomorrow

Jay: I ain’t even got it on me to loan man

*This how y’all sound/look when applying for credit and loans when y’all ghost them companies then go to the next looking to borrow money 🥴

Your credit report is your financial reputation 🤌🏾

Who has credit card debt? For free 99 let’s create a plan for you to pay it off ✍🏾

Your feedback matters 🙏🏾

3 simple ways - credit boost✨