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LaTrice-Credit Coach  As a credit coach my duties are to coach you on how to repair your credit and help you become financially literate. πŸ“—More Helpful Resources HereπŸ‘‡πŸΎ


#repost just had to share this! How many of you pay attention to the tip section of your receipt? Do you pay the suggested tip or do you give whatever you want to?

Have you been sticking to your budget?
Having a budget can help you in so many ways. If you create a budget and stick to it, you will have the money to pay your bills on time. When you pay your bills on time, that helps your credit score increase!

What are some things you are doing now that your future self will thank you for? Mine would be investing in my businesses, building my savings account and preparing a savings for my children's college fund...write yours below πŸ‘‡πŸΎπŸ‘‡πŸΎπŸ‘‡πŸΎ

If you are looking for a great book to add to your list...I recommend this one! It also has some great tips on how to save money (swipe left)

Have you ever made your credit card payment early, then you receive a notice saying you have a payment due? β€”--------------------------------------------
Well that's because the payment you made was applied to your current month and you still owe the payment for the next month. By doing this it will result in your next payment being late. I will give you an example --------------------------------------------
Your billing cycle is from May 10th-June 10th and you made the payment on June 5th. The payment you made was applied to the May billing statement, now you still have the month of June due.
Mailing in your payments a few days before your due date or setting up automatic drafts will prevent this from happening.
Sent via @planoly #planoly


Focus on the 5 major categories that makes up your credit score.
1) Payment history
2) credit utilization
3) length of time you've had credit
4)new accounts
5) mixture of credit
Use credit wisely and be sure to make all of your payments on time. When you do this, overtime you will begin to see your credit score increase.
Sent via @planoly #planoly

The answer is no. It's never too late to begin repairing your credit. Your credit is something that will be around your entire life. By repairing it you will be able to live more comfortably. It won't happen overnight but it is worth taking the time to improve. Sent via @planoly #planoly

Before you make the decision to re age an account on your credit report read this. β €
----------------------------------β €
Re-aging an account is when you agree to pay on an delinquent account. β €
-------------------------------Remember after 7 years negative information (except for bankruptcy) will be removed from your credit report. If you re-age an account, that means you will be adding extra years to pay off the account.

Joint accounts and being an authorized user are two different things. When you share credit with someone be sure that they responsible when it comes to making payments on time. If payments are missed remember that if will affect the both of you

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