Classy Credit Repair Services

Classy Credit Repair Services

Comments

She is legal She goes by the book Very good I been with her a year and I’m very proud of what she has done with my credit
not only are the services super affordable but the program actually works! my score has increased considerably and still climbing
not only are the services affordable, you actually see results! my score has shot up considerably and still climbing!
Classy Credit is a dream come true! They have worked with myself and my husband to improve our credit.They provide tools to assist you on your journey to have better credit. Also to help you build your credit!! Hands down this service is the best. We love the service so much. We gifted Classy Credit Service to our Sister. Thank You So Much!! We love your service. And will continue to refer your services!! You are A+ in our book.
Best Decision Made All Year . I’ve Only Been On The Program Almost 2 Months 😊
This Year . I Said No More Being Negligent With My Financial Responsibilities . This Business Is Just What I Needed . Items Are Constantly Being Updated & Removed FOR ONE FLAT FEE 😊. Thank You So Much For Working Wonders😊 #SatisfiedClient

Improving your credit score that will help you in obtaining your dreams. start your credit journey with us Classy Credit Repairs Services

If you're in the process of improving your credit and you are wanting to obtain high limit credit cards that has a limit starting out at 5k, 10k, 15k or even $20,000. Here are two secrets to getting those high limit credit cards.

SECRET #1

If you want a credit card that has a high limit you must already have a high limit credit card on your credit report. That's right the algorithm of the credit card application once it pulls your credit report is searching for positive credit that is already there. The system will want to match whatever credit card you already have opened. For instance if you want a $10,000 Barclays credit card, you will want to have a $10,000 credit card already reporting.

SECRET #2

The credit card companies want to see that yo have a credit profile already built, they want to see how old your oldest opened credit card is and you guessed it the longer credit age you have the more favor you have in the eyes of the credit card issuers. Building your credit age is just as important as paying your bills on time. You are deemed less of a risk to lenders and creditors and Credit card companies are more than likely to approve you for higher limits if your credit report shows an opened Discover card for 5 years or more.

Now of course it's always best to not have any collection accounts, recent late payments and a credit score of 700 or better especially if you are going after the big league cards like American Express, Barclays, and Chase.

Did you know that you still are considered to have a thin file even with 2 open account. Lenders want to see at least a minimum of 5 accounts open to issue any type of credit with good interest rates wether it’s a auto loan, credit card, line of credit etc.


Starting with a Credit Builder Card 👉🏾(link in bio) is very helpful because not only does it report to all 3 bureaus but it reports as a UNSECURED credit card and not a secured card 🙌🏾 which is a win for you because banks are more likely to approve credit cards got established unsecured accounts vs secured.


Why I like the Credit Builder Loan (🔗 in bio) is because it helps give you a mixture of credit which counts as 10% of your credit scores. When I opened this account it got me over the hump from “fair” credit score to “good” credit score.


You have to show your OWN primary accounts not just being added on as an authorized user. Use all the resources available to help improve your credit scores. Have at least 5 positive accounts open (auto loan, student loans don’t count).


#credittips #classycredit #tuesdaywithtempestt #reallifegoals #creditgoals #girlboss #realty

Is your credit score above 800? If not, I got you, check out the what you need to get the big league credit score.

Boss Move 1️⃣ HAVING AN AGED TRADELINE AT LEAST 10 YEARS OR OLDER.
Older aged tradelines and higher credit limits correlate to bigger credit score increases. So closing old accounts will decrease your account age. Leave accounts open, AND use them once a year so the bank does not close them due to inactivity. Afterall, you must have credit, in order to have a credit score.

BOSS MOVE 2️⃣ DON'T HAVE ANY LATE PAYMENTS ON YOUR CREDIT REPORTS.
Payments more than 30 days late can show on your credit report, and they will HAUNT you for 7 to 10 years if you don't take action. People with credit scores above 800 do not have any late payments showing on their credit report. It's just not usually possible because re-payment history is the largest portion of your credit score. Even one late payment can drag your score down over 130 points

BOSS MOVE 3️⃣ YOUR DEBT UTILIZATION IS UNDER 10%
Within your credit monitoring site, go to the 'credit factors' section. It will tell you exactly what your utilization is. If your debt over 30% utilization, your score is automatically dinged. This should be as low as possible. If you are unable to pay down debts, then a high credit limit authorized user tradeline will balance out your utilization.

BOSS MOVE 4️⃣ NO COLLECTION ACCOUNTS OR NEGATIVE PUBLIC RECORDS.
Making payments on time means collections and public records do NOT appear unless it's a mistake, which actually happens a lot. You need to keep your EYE on your credit report to ensure there aren't inaccurate accounts on your report. If you have any negatives on your credit report, then you need Classy Credit Repair.

BOSS MOVE 5️⃣ PRIMARY TRADELINES
Having more than 10 open primary Tradelines accounts open.

This is very important to know, why? Because improving your scores is more than opening new credit accounts or not just having revolving account open only. There’s a point value formula that I discussed on tonight’s live.
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A credit scores ranges from 300-850 do you know what needs to take place in order to get to an 850? here’s a hint it’s not just “paying your bills on time”
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#creditadvice #credittips #mondaymotivation #classycredit #businesscredit

😩 You have one secured card but your scores are still low, well I’m going to tell you why and tell you what you need to do to go from Poor to Good.
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I will also be dropping a major gem 💎 breaking down the FICO score category and what scores the lender wants to see for approvals.
Leave a 💎 in the comments if you will be watching the live tomorrow 4/27
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#classycreditrepair #credittips #creditandcocktails #bossladymindset #mindset #manifestation #financetips #refinance

🗣Credit Karma is not a credit monitoring site. They are a marketing site. They market your vantage scores to refer products to you.
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If you want to get a good monthly credit monitoring site you can go to Privacy Guard ($19.99/month)
Freecreditscore.com ($0.00) Experian score only
MyFico.com ($29.99/month)


Annual credit report.com is giving WEEKLY credit reports for free until April 21,2021 that’s an entire year 😱
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Utilize Credit Karma for alerts 🚨 never use to base scores or use to dispute anything from your credit reports.



#comment #creditrepairservices #creditgoals #credittips #successcoach #womeninfinance #realtorsofinstagram #mortgagebroker #realty

I always recommend to any client who wants to obtain a new credit whether it’s a credit card or a auto loan to always try to get a pre qualification or pre approved. .

This will help eliminate any unnecessary hard inquiry pulls in your credit report because a simple pre approval is a soft inquiry. .

Now don’t get it confused because once you get pre approved and you submit your actual credit application to obtain the credit you will be hit with a hard inquiry. But 1 hard inquiry is better than 10 at one time. .

Sunday is for dispute results! .
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Yes I am pushing this Masterclass hard because you need to understand that nothing is going to happen if you don’t put forth any action. Trust me when I say it took my family sometime to jump on the wagon and actually ask me to help them with their credit. .
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I will Register for the Masterclass
I will Register for the Masterclass
I will Register for the Masterclass
I will Register for the Masterclass
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Classycreditrepair.com/product/masterclass
Classycreditrepair.com/product/masterclass
Classycreditrepair.com/product/masterclass
Classycreditrepair.com/product/masterclass

Click the damn link already 🤣😂

I stated building my business credit 6 months into establishing my business as a legal entity. My first card was the Capital One Spark with a $2,000 limit. That card alone helped me pay the small amount of overhead I had at the time. After opening my Business account with Navy FCU I applied for their Business credit card and Business line of credit. I was approved for the max amount for both (that didn’t require tax forms 😉) Then I heard about Sam’s I got denied my first time and I had to figure out why went back 30 days later got the Sams green card then went back 30 days later got the Mastercard which started at $10k out the DOOR!
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These are my small business bailouts if I needed them to keep my business going. That’s $55k right there in the picture. Now I’m onto business cards with frequent fliers miles and nice exclusive airport lounges and I’m coming for that CHASE Business too ✈️ 🍸
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The Solopreneur Business Credit Guide go ahead and get that. Thank me later.
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#businesscredit #businessfunds #creditsuite #classycredit @ Classy Credit Repair Services

How was I able to obtain $30,000 in business funding including Lines if credit, High Limit Credit cards under my LLC in my 1st year in Business? Simple I taught myself how establish my business credit and go after funding that was available to me.
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I have no problem using other people’s money ( OPM) to build my company and create cash flow for my business.
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The Solopreneur Business Credit Guide
👉🏾 Making sure your business is set up properly to accept funding
👉🏾 What vendors accounts to start with.
👉🏾 Vendor credit vs Business Funding (yes there’s a difference)
👉🏾 Is your personal scores even qualifying?
👉🏾 What is Personal Guarantee and why you should do it!
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Start with the LINK in the bio.
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#businesscredit #creditsuite #womeninbusiness #financetips #businesstips #solopreneur #instagramforbusiness #successcoach #businessbuilder #smartmoney #financialgoals #networth

This is frustrating $350 Billion dollars depleted. The SBA has announced that there are no more funds to allocate to small business owners to provide relief during the COVID-19 crisis (recession). Thousands of small businesses were heavily relying on this program to help pay employees and keep the business going.
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Although small business owners won’t receive a bail out from the U.S. Government. There are other ways to gain the capital your business may need to sustain once the nation opens back up.
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#businesscredit #femaleentrepreneur #womeninbusiness #finance #wealthbuilding #mindset

Did you attend the LIVE today? I discussed the truth about Lexis Nexis credit reporting agency.

Give me your feedback, was the information informative? Will you request your own Lexis Nexis report to see what data is being reported? Go here 👉🏾 to get your copy consumer.risk.lexisnexis.com

Register for the Masterclass as I will discuss how to properly dispute Lexis Nexis data from your credit report.
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#creditreports #businesscredit #fixmycredit #establishcreditwithclass #womeninfinance #houstoncreditrepair

Registration is LIVE.

This Masterclass is for you if
• You don’t trust “credit repair”
people to pay them for service
•If you’re financially unable to pay an expert
•If you’re tired of getting the run around on what is needed to fix your credit
•If you’re ready to tackle your credit on your own.

Limited space for registration $47 v $99 for this amazing class.

classycreditrepair.com/product/masterclass

Photos from Classy Credit Repair Services's post

Say what 🙀 Equifax is eliminating hard credit pulls for consumers who apply to phone service, television service and internet services. 🙌🏾
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According to Morningstar Equifax will now categorize these particular credit inquiries as “soft” credit pulls. Soft credit pulls do not damage your credit scores they only provide creditors with the ability to see who recently viewed your credit.
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This will begin in June and will remain moving forward. This is a win for consumers let’s see if the other two will fall in line.
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#creditfacts #credittips #classycreditrepair #lifestylebrand #successcoach #girlgang #findyourtribe

If you fail to plan then you plan to fail.
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The Getting You Qualified homebuying webinar is where you need to start on your path to homeownership.
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48 Hour Flash Sale $9.99 vs $19.99
ends 4/8 11:59pm cst. Click link in bio or visit classycreditrepair.com/shop/
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#webinar #realtorsofinstagram #houstonbusiness #smallbusinessowner #womeninbusiness #fixmycredit #goodcredit

Are you in the market of buying your first home? Before you visit a lender and fill out the pre approval application I want you to watch my webinar on what you need to get qualified.
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The replay is available for purchase for $9.99 vs $19.99 for only 48 hours. Visit classycreditrepair.com/product or click the link “Webinar” in the bio. Don’t miss out on what could help you get into the home you desire.
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#webinar #classycreditrepair #houstonrealtors #realestate #realtyofhouston #womeninfinance #womeninbusiness #creditgoals

Due to the recent current events in the nation, mortgage lenders are tightening their belts on qualifying mortgage scores.
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A month ago a score as low as 580 could get you started on the pre approval process and closing, however lenders are starting to require buyers to have qualifying score of 640 even for FHA loans.
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These economic times due to COVID -19 is showing us more and more how important your credit being better than average is needed. People who started out with a 580 are now being turned down for pre approvals.

Get your pen 🖊 and 📝 to jot down these 5 tips on how to manage your credit with class. Or just take a screenshot of this post 😂
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🖊 1. Only spend what you can afford to pay off monthly. - you should be ONLY using credit for things you can afford to buy 👀
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🖊2. Never carry a balance month to month - unless you are NOT being charged interest (🙌🏾) it’s not good idea to carry a huge balance month over month. The cost of carrying a balance can become costly 🤑
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🖊 3. Watch those annual fees (and if they’re worth it) - A lot of credit cards and lines of credit come with annual fees. This is usually for the rewards they pay out ( clears throat *MY AMEX PLATINUM CARD*)
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🖊 4. Use credit cards 💳 with rewards that actually cash out - some rewards have minimum balance requirement before cashing out leverage credit cards with with rewards that you will actually use
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🖊 5. Don’t set up bills to be automatically paid with your credit card - I always advise clients to use their credit card to pay for small purchases such as groceries gas little things here and there but don’t put a bill on there just in case something comes up. Use the money in your bank account to pay for your bills.
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🖊

That’s my bestfriend, yasss you betta. lol 😂 sorry every time I think about what my excellent credit score a have been able to do for me in the past two years. I can’t help but get happy and excited.
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If your credit is excellent and holds you down, give me a 🙌🏾 in the comments.
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#goodcredit #classycreditrepair #houstonrealtors #bosschick #fempreneur #luxurylifestyle #bestfriend #luxurybrand

Repeat after me:
I want to be financially secured
I want to be financially independent
I want to financially free
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Now let’s work toward these 💰 B.A.Gs (Big Ass Goals) 😉
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April is Financial Literacy Month.
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#finances #financialliteracy #wealthbuilding #cashflow #businesscredit #womeninfinance

Whew Chile, not only was March the longest month EVER! But the entire world stopped and we still on pause (well some of us are).
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Did you find yourself spending more money in the last month due to the pandemic and social distancing or did you actually save 💵 from being in the house?
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#socialdistancing2020 #quarantinelife #classycredit #smallbusinesshouston #realtors #mortgagebroker #coffeelovers #yogilife #houstonmua #houstonbossbabes #teamtravel

Are you still deemed “risky” to banks, loan officers even leasing agents.
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What if you had the resources and knowledge of improving your credit scores and no longer having to feel worried about having your credit pulled when applying for life’s luxuries and necessities.
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Download your free copy of my ebook and use the information to get your scores from bad to good.
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Click the link in the bio.
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#freebies #download #saturdayvibes #improvemycredit #classycreditrepair #classycredit #femaleentrepreneur #mommakingmoves

“Know Your Collection Rights” Get the ebook on how these 10 debt collection violations can get you up to $1,000 compensation.

Did you know it is a violation for a debt collector to call you more than twice a day. The FDCPA consider this harassment and it is a direct violation.

👉🏾👉🏾👉🏾 Downlaod your copy for free today

https://classycreditrepair.com/blog/

Kroger Gift Card Giveaway.
1. You must be following 👉🏾 @classy_credit page
2. tag 2 friends to this post
3. comment what lesson you’ve learned during this current time.
Winner will be announced at 5pm CST. Gift card will be sent to your email.
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#classycreditrepair #giveaway #stayhome #essentials #womeninfinance

🚨🚨Do not scroll past🚨🚨
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This information posted in the last two post on our page needs to be REPOSTED on your instagram story or timeline. There’s too much false information being told and we want to advise our follower of FACTUAL information regarding your student loans during this time.
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REPOST the last the previous post to your Instagram!
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#repost #fixmycredit #share #economiccrisis #womeninfinance

Classy Credit

Our Mission at Classy Credit is to provide our clients with an abundance of financial knowledge and tools that will empower and improve their future for a better lifestyle, build generational wealth and to have credit power.

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Videos (show all)

Is vantage score a fake score?
How can i improve my credit on my own?
What are the fastest ways to improve my credit scores?
Did you validate that debt?

Location

Telephone

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Houston, TX

Opening Hours

Tuesday 10:00 - 17:00
Wednesday 10:00 - 17:00
Thursday 10:00 - 17:00
Friday 10:00 - 17:00
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