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#Repost @renewatlanta Help us make an impact in our local community by helping a child in need. #TBHCares #RenewAtlanta

We believe in giving back to our local communities! @renewmylifeatl's food panty provides food for those in need every 3rd Saturday from 11-1pm. For more information, call 404-850-2053. #renewatlanta #tbhcares

Yup! The Self Esteem Summer Conference is Officially Sold Out!!!! THANK YOU SO MUCH EVERYONE!!! ❤☺ ...we already have people joining the waitlist in case any open tickets become available!!!! ✳This. Is. Going. To. Be. Extraordinary.✳ #TSED #TonyRobbinsforKidsandTeens #TSEDConference #TBHCares #DaniB #SelfEsteem #Confidence #Summer #Family #Success #Goals #future #inspiration #growth #parents #kids #teens

Love is an action word! Our outreach ministry is showing love to our community today by delivering food to those in need! #TurkeyGiveAway #TBHCares #renewatlanta

Feeling amazingly blessed and totally joyful! 💕...almost SOLD OUT!

We have 135 parents, kids and teens holding tickets for the conference.

What these amazing people are about to experience is difficult to put into words and can ONLY be described as an experience.... I'm pretty sure next year we'll change the name to "The Self Esteem Summer Experience" 😀

Thank you! Thank you! Thank you...to all of you who have spread the word, shared on social media, offered advice and support....and of course those of you who bought (and will buy) tickets ....and the committed vendors and volunteers!!
My gratitude and appreciation is overflowing!!!! 😍

This will be a incredibly positive, uplifting and unbelievably exciting day to remember!

#TSED #TonyRobbinsforKidsandTeens #TSEDConference #TBHCares #DaniB #SelfEsteem #Confidence #Summer #Family #Success #Goals #future #inspiration #growth #parents #kids #teens

MOST RECENT

Change and progress occur outside of your comfort zone.
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You must be willing to sacrifice, to do something you've never done before to get something you've never had!
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If you want to save money, raise your credit score, buy a house/car, go on vacation, etc., you must do something different! ~~~~~
Take the risk and improve your financial life!

Have a fun, unforgettable weekend & don't break your budget 😊

Want to increase your credit score, here's my free gift to you! Click the link to download NOW!

When was the last time you checked your credit score?
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I’ve heard so many people say there’s no point in checking it because it’s nothing but bad stuff up there. Well guess what, that stuff will stay up there if you don’t check it!
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Chime in and let us know when the last time you checked your score.

Some benefits of good credit are: * No security deposits.
* Better car insurance rates.
* Access to more mortgage loan programs.
* Lower or no down payments.
* Lower interest rates.
* More negotiating power.
* Approved for higher credit limits.
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Take care of your credit and it will take care of you!

If you need a Co-Signer, your credit needs improving....Let us help you!!! Click the link in the Bio to schedule a FREE consultation.

Believe it or not, there are rules the Collection Agencies must follow and the Fair Debt Collection Practice Act (FDCPA) ensures just that. This federal law actually protects the consumers from being harassed by the Collection Agencies and will fine them up to $10K for violations.
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Here are some do’s and dont’s of Collection Agencies: * They should not call you between 9 pm and 8 am.
* They must state their usual disclaimer: This is an attempt to collect a debt.
* They should not threaten legal action unless they intend to follow suit.
* They should cease and desist calling you when requested; you have a right to have all communications from them in writing by mail. (Be careful with this one as this may force them to start legal action.
* They should not call you at work if you request this.
* They should not call you multiple times per day.
* They should not verbally abuse you.
* They must verify all debts you dispute, meaning they must show you proof that you owe this debt!

I hope you never have to deal with them however, if you do know your rights!

As of September 15th, there is now a 180 day waiting period required before medical debts can be reported to the Credit Bureau.
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This waiting period was designed to give us time to resolve any issues/errors with Insurance companies and/or the doctors office.
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Best part is, if you are reported to the Credit Bureau for a medical debt, it will be deleted from your credit file once paid!!

Yes, some employers are pulling your credit before offering you a job. They definitely want the well qualified candidate but they also want the well qualified candidate that is financially responsible.
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Takes me back to when I was offered a job as a Bank Teller. The Branch Manager said, before I can offer you this position, I need proof that this debt has been paid. You talking about being embarrassed, I didn’t even know they were going to pull my credit!
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Some careers that employers are doing credit checks for are:

TSA
Politics
Accounting
Government Employees
Military
Law Enforcement
Banking
Mortgage

Not all positions in these Career fields require a credit check, however just be prepared for the possibility of one.
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They want to ensure that you are reliable, trustworthy, and will represent their company in the best way. You will have access to some very confidential information including the very personal details of people’s lives and they need to ensure it is handled with care. They will get you to sign a release prior to checking your credit and it is also limited in some states. ~~~~~
Knowing what’s on your credit report before allowing an Employer or anyone else to pull it gives you the chance to correct any errors or derogatory information in advance.

Yep this is my life & I love it!!! Never understood this until I became a business owner. I work harder for myself than for any employer that ever hired me!! Now on to these Consultations!! Happy Saturday Folks!!!

This type of loan is commonly used on Auto loans, it adds interest on the principal amount of the loan on a DAILY basis.
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Making bi-weekly payments instead of monthly payments will allow you to actually make 13 payments per year instead of 12! Just make sure your payments are received by the payment due date.
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Put as much extra money toward that principle balance as you can. Use extra funds from pay raises, bonuses, tax returns, etc.. One additional payment per year will make a difference in the amount of interest paid while also helping you pay off the loan early!

Only $50 for a complete Credit Analysis & Consultation!
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Don't forget, we don't collect a dime until AFTER we perform your Credit Analysis.
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Credit analysis must be scheduled by Sunday @ midnight and your analysis must take place no later than September 30th to take advantage of this offer.
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** You must have credit monitoring software, Credit Karma is not accepted **
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Click the link in the Bio to get started, this offer will expire on Sunday @ midnight!l

That Credit Karma is not a true credit monitoring site. They are great at providing you with a free report and making suggestions for lending opportunities with that information.
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More importantly they get paid by marketing credit cards and loans that you have a chance of being approved for. ~~~~~
They also provide you with Vantage Scores instead of FICO scores. Vantage scores are not as widely used as FICO scores; most lenders still rely on the FICO credit score model. This is why your scores are different when a lender pulls your credit vs you pulling it from Credit Karma.
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Now I’m not saying not to use Credit Karma however, you still want to monitor your FICO score since there is a very high chance that this score will be used to make your lending decision.
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The more you know, the more you grow!!

Happy Thursday Everyone, make it a great day!!!

With prices around $1K or more, who's getting the new IPhone 🤔

That's just not in my budget 😂

Which Debt Should I Pay Off First?
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Now that you have decided to make a change, looking at a list of debts can be frustrating to say the least. There are 2 different strategies that most of us follow to pay off our debts.
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Snowball Method
This is paying off the smallest debt first while making the minimum payment on all other debts. Once the first debt is paid, move on to the next smallest debt and continue this cycle until they are all paid off. This method gives you a sense of accomplishment as you are paying things off quickly. ~~~~~
High Interest Method
This is simply paying off the debt with the highest interest rate first while making the minimum payment on all other debts. Again, once the first debt is paid, move on to the next debt and continue this cycle until they are all paid off. This method ensures you pay less in the long run.
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You can’t go wrong with either method because the bottom line is, you are paying off your debt!!! All it takes is commitment, consistency and some sacrifice.

Stop using your credit cards for every single thing if you can't afford to pay it back every month!
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Uncontrolled spending = Rising debt
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Now credits cards are great when you are in control of your finances as they have great rewards like cash back, sky miles, etc.
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If you haven't reached the point of controlling your spending habits just use cash and leave the cards at home!
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Budgets are key to managing your finances and we can help you get started on the right track!!

We all make mistakes, the key is to learn from them!!

There are typically three dates I pay attention to for my credit cards.
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•Statement Date - Date my statement is issued.
•Payment Date - Date my payment is due to avoid interest and/or late fees.
•Reporting Date - Date on which the Credit Card company reports my balance to the Credit Bureaus.
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All of my life, I thought the Payment date was more important than anything; now I know that the Reporting date is just as important!
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In trying to keep my credit score high, I need to make sure my balance is paid down as far as possible PRIOR to the reporting date, not the payment date! We know that the Credit Bureaus like to see us using no more than 30% of our available credit, so even if I use over 30%, I always try to pay it down to under 30% of my credit limit prior to them reporting this to the Credit Bureaus.
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Credit Utilization accounts for 30% of your overall score, which is the second largest factor that makes up your entire score!
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The more you know, the more you grow!!!

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