Financial Solutions Inc

IF YOU SHOWED MY BUSINESSES ANY KIND OF LOVE THIS YEAR
THANK YOU 🤍🤍

Get prepared… Get your taxes done with Prestigious Tax Firm LLC, let Paula Harrison take care of your tax preparation needs.

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Let’s get your business structured properly and ready to build business credit.

BOOK YOUR BUSINESS APPOINTMENT ⬇️
Contact Paula Harrison today.

https://calendly.com/financialsolutionsmizp/credit-consultant

I’m super excited 😆
Heres a credit builder for those looking to rebuild or establish credit.

KOVO Credit 💳

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Will boost you 20-30 points.

Paula Harrison

Kovo Credit Builder | Build Credit & Earn Rewards Build all your credit scores at all 4 credit bureaus. Rated 4.94/5 stars. Recommended by 99% of reviewers. No credit check. Instant approval. No hidden fees.

FREE CREDIT TIPS…

💎 Never dispute items online, always send in your letters because you are waiving your consumer rights if you don’t.
💎 Get a secured credit card. For excellent utilization keep under 10%.
💎 If you are currently renting, you can add your rent payments to your credit up to 2 years for a positive tradeline and to help you purchase a home.
💎 Do not agree to pay your debt collectors. There is a statue of limitation before a debt is no longer considered to be “collectable”. If you agree to owning the debt, or Make a payment they can reset the debt clock and it can go back on your credit report.
💎 Don’t have more than 2-3 inquiries on your credit. Inquiries are worth 10% but having too many will show you are credit desperate. Be careful!

Paula Harrison

5 Main Reasons Credit Gets DENIED!

🔸Credit bureaus or credit reporting agencies do not approve or deny credit. Their business is credit reporting and they have a vested interest in the accuracy of those reports. Each lender decides what standards you must meet to be granted credit. There are many reasons why a credit grantor may deny your request for credit:

🔸Low Credit Score

The information contained in a credit report is combined using a complex calculation method that results in a credit score. Often creditors will deny applications based only on the score without looking at the individual elements in the calculation.

🔸Incorrect Information

Your credit report may contain information belonging to another individual. For example, if you are a Junior (Jr.) you may have your parent’s (Sr.) credit information in your file. A regular credit report review is the best way of making sure that the information is accurate and true.

🔸Debt to Income Ratio

If the ratio of your total monthly debts compared to your total monthly income is too high, the creditor may decide against extending more credit to you because the lender feels you may not be able to afford the payments. Some banks or lenders may illegally discount non-salary income in arriving at this ratio, but the Equal Credit Opportunity Act requires creditors to consider earned income, Social Security, child support, and alimony as sources of income.

🔸Delinquent Payment History

If the report contains a history of late payments or collection accounts that were never paid, there is a very strong chance that a future application for credit will be denied.

🔸Lack of Credit History

If you've never had credit or you've just begun building your credit, the credit bureaus may not have enough information to accurately give you a score. This is called a thin file.

Financial Solutions Inc Paula Harrison Prestigious Tax Firm LLC

5 Grants you should apply for this week
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Ready to secure funding? Discover and apply for grants today!

Here are 5 grants you should apply for this week:

1-2023 Beauty Pitch
September 1, 2023
💰 Varies

2-NAACP and Leslie Inc
September 1, 2023
💰 $5000

3-Keep it Local
September 1, 2023
💰 $5000

4-Corporate Counsel Women Of Color
September 1, 2023
💰$5000

Paula Harrison
Financial Solutions Inc

🚨 Credit Tip 📚:

If you PAY OFF debts on your credit report this is what happens:

1. They now show as “PAID DEBT”

2. Updated w/the bureaus as having recent activity (Due to you making a payment).

3. THEN IT LOWERS YOUR SCORES BECAUSE it is 2023 and you just now paying off a 2017 bill.

4. THE WORST PART is..... you still have to dispute for removal to get it OFF your credit report all together. It doesn’t come off automatically just because you paid it.

DO NOT PAY OLD COLLECTIONS!!

Get informed Stay informed. Paula Harrison