MST Financial Solutions

MST Financial Solutions Board Certified Credit Consultant 💳 | Credit Restoration & Education | Helping You Build a Stronger Financial Future ✨ | ⬇️ Get Started

09/26/2026

$29.99 CREDIT SPECIAL IS LIVEEEEEE

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09/25/2026

Before you close an old credit card because you "don't use it anymore," understand what that could do to your overall credit profile.

Closing a card can reduce your total available credit.

Example:

Card 1 limit: $2,000
Card 2 limit: $3,000

Total available credit: $5,000

If you close the $3,000 card, now you only have $2,000 available.

That can cause your overall utilization percentage to increase depending on your balances.

Don't make credit decisions based on emotion.

Understand the numbers FIRST.

09/24/2026

One 30-day late payment can stay on your credit report for years.

That's why PAYMENT HISTORY matters so much.

A payment normally isn't reported as 30 days late simply because you're a few days past the due date.

You may still be charged a late fee by the creditor, but credit reporting typically becomes much more serious once an account reaches 30 days past due.

Protect your payment history.

Set reminders.
Use autopay when appropriate.
Check your accounts regularly.

Credit repair is great.

Credit PREVENTION is even better.

FYI: Payment history is 35% of your FICO Score

09/23/2026

Not all credit scores are the same.

That score you see on a free app may NOT be the same score a mortgage lender sees.

There are different scoring models, including:

FICO® Scores
VantageScore®
Industry-specific FICO scores

And lenders may use different versions depending on whether you're applying for:

🏠 A mortgage
🚗 An auto loan
💳 A credit card

So don't panic just because two apps show two different numbers.

The most important thing is understanding what is actually being reported on your credit reports.

This is the reason why when you go to purchase a home, they give you a different score then what Credit Karma gave you.

09/22/2026

Most people know their credit card DUE DATE…

But do you know your STATEMENT CLOSING DATE? 👀

They are not the same thing.

Your due date tells you when your payment is due.

Your statement closing date is generally when your billing cycle closes, and the balance around that time may be what gets reported to the credit bureaus.

That means you can pay your bill on time every month and still have high utilization reporting.

Learn BOTH dates.

That's how you start using credit strategically instead of just paying bills.

09/21/2026

Your credit utilization can have a major impact on your credit score.

If your credit card limit is $1,000 and your balance is $800, you're using 80% of your available credit.

Even if every payment is made on time, high balances can still hurt your score.

Try to keep your utilization:
✅ Under 30% at minimum
✅ Under 10% when possible

And remember — utilization is calculated based on what gets REPORTED to the credit bureaus, not necessarily what you owe on your actual due date.

Credit education matters.

08/22/2026

Q&A Timeeee

08/21/2026

$15,000+ IN DEBT REMOVED IN ONE MONTH?! 😮‍💨💳🔥

Baby when I say LET. ME. WORK. I’m not just talking to be talking 😂👏🏽

Over $15K worth of negative debt REMOVED from this client’s credit reports in ONE MONTH! 🗑️💨

Imagine opening your update and seeing THOUSANDS of dollars worth of negative accounts no longer reporting 😭😭 I would’ve had to walk around the house a few times!

This is why I tell y’all — stop just watching the results and wondering when it’s gonna be your turn. GET STARTED.

You bring me the credit report…
I’m bringing the pressure. 😂📬

💳 MST Financial Solutions
✨ Your Financial Comeback Starts Here
📲 Link in bio to get started!

Individual results vary. Removal from a credit report does not necessarily eliminate a valid debt or the obligation to pay it.

08/20/2026

POV: Your disputes getting mailed while you somewhere minding your business 😭📬💳

Meanwhile I’m over here like… Experian, Equifax & TransUnion — y’all got mail AGAIN 😂😂

Letters printed ✅
Documents together ✅
Disputes mailed ✅
Now baby, LET ME WORK. 👏🏽

This is the part clients don’t always see behind the scenes. Every envelope represents somebody working toward a cleaner, stronger credit profile. 💙

If you’re tired of looking at that credit report saying “I don’t even know where to start” — that’s literally what I’m here for. 😭

📬 Mail call! Another round is OUTTA HERE!

💳 MST Financial Solutions
✨ Your Financial Comeback Starts Here
📲 Link in bio to get started.

Results vary. No specific deletion or score increase is guaranteed.

Address

1650 Gordon Highway Suite C
Augusta, GA
30906

Opening Hours

Monday 6am - 6pm
Tuesday 6am - 6pm
Wednesday 6am - 6pm
Thursday 6am - 6:15pm
Friday 6am - 6pm

Telephone

+18002541691

Website

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