Make a Change

Your Credit Score is nothing more than a number on a Chart, unfortunately this numbers holds a lot of weight, and for something that holds so much power, many people overlook it until it's too late.

So, if you're looking at this information you've decided to take control of your life, take your head out of the sand and face your credit head on and take back your power.

Credit Power

We don't promise a perfect results in 2 months, and no one can, because we all have a completely different obstacle and goals. So, if you're looking for a fast unethical approach, this course may not be for you; but if you are looking to have the job done correctly while learning how to budget save, purchase and invest from the right way, then you're in the right place.

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The purpose of properly understanding your credit, is to enhance not just your credit score, but your overall financial reputation, making it easier to qualify for loans, mortgages, or other credit-related activities. It is a systematic approach that requires patience, diligence, and adherence to legal guidelines. By understanding your credit, an individual can take control of their financial future and pave the way for better financial opportunities.

Understanding Credit

What's The Purpose

It is understanding ones true creditworthiness by addressing and resolving any negative information on their credit report. It involves identifying errors, inaccuracies, or outdated information, and taking appropriate steps to rectify them. This may include disputing incorrect entries, negotiating with creditors to remove derogatory marks, or implementing strategies to improve credit utilization and payment history.

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Mismanaging credit cards or maintaining credit as a whole can have significant consequences on our lives. One of the main causes of credit mismanagement is overspending, when individuals spend more than they can afford to pay they accumulate debt and may struggle to make minimum payments. This can lead to late payment fees, high interest rates, and a decrease in credit score. Therefore, it's crucial to practice responsible credit card usage and manage credit wisely to avoid these negative effects. I would suggest secured credit Cards for most people until they've grown financial discipline, because without discipline you'll have limited access to future credit, and difficulty obtaining loans for example a vehicle or mortgages.

Cause and Effects

* Do you know the 30% rule??? A credit card with a $1000.00 limit, should never carry a balance more than 30% of the limit? This means if you use $500.00 your already over utilized. Because that's 50%, a balance of $300.00which is 30% will be allowed.

Financial Stress

The most important thing about having your credit repaired is, it removes stress, anger, frustration, and shame. Life happens but bad credit isn't forever, so join our program and learn more than disputing a problem with the credit bureaus and crossing your fingers hoping for a miracle; this time arm yourself with a plan. Our program is for motivated individuals, wanting to take charge of their lives, so, now is the time to say no-more to bad credit, and no-more to bad budgeting skills.