Allure Consulting

‼️‼️ RENTERS LISTEN UP ‼️‼️



I have a program that reports your rent payments to the bureaus😮

You can increase your credit score in 5-23 Days.



Who needs the information❓❓❓



Comment below, or DM “rent”

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Don’t be fooled…

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‼️You have options‼️

- BEFORE it goes to collections, get the late payments removed and turn the account into a positive credit. - Talk to your creditor about options (lower pymts/plans, etc. . . . . YOu HAve OPtions!!!

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-remove the collections and remarks

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- PaY ATtenTIon and make sure your consumer rights haven’t been violated!!!!

IF so, GeT YO MonEY HoNeY

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Hit up your favorite credit bully for more help or assistance!!

Credit Tip: 📓📊

Credit Repair is NOT an overnight fix‼️

There are no shortcuts to fixing the YEARS of mistakes you’ve made❗️

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Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days



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❇️DON’T rush the process

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In the meantime:📓📊

✅Avoid co-signing for anyone(if possible)

✅Keep credit cards utilization under 30% but shoot for 5-10% if possible

✅Avoid late payments

✅Do NOT pay collection agencies

✅Do NOT talk with collection agencies over the phone‼️‼️
Quickly request and document the representatives name and company name & address!! Then say “send what you have to the address on file”

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🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥

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You will NOT step out of 2022 with bad credit!!!!

🙌🏽🙌🏽🙌🏽🙌🏽🙌🏽🙌🏽🙌🏽🙌🏽

Secure YOUr BaG 💰💰💰💰

📍Truths about bankruptcy 👏🏾

🔸 A bankruptcy depending on which chapter can last 7-10 years on your credit report 😅(unless you do credit repair)

🔸 You can buy a 🏡 during a chapter 13, however you MUST show proof of steady income PLUS meet minimum credit score requirements

🔸 Buying a car after a bankruptcy is doable but ... that interest rate will be sky HIGH 💰 💰 💰

🔸 If you for any reason can’t make the payment arrangement agreed, (chapter 13)bankruptcy is VOID 🙅🏾‍♂️& assets are no longer protected (house,car, business) so... repo & foreclosures are possible. You must refile in order to be protected again ‼️

🔸 Bankruptcies can drop your score ⬇️
130-220+points depending on your score, 🛑bankruptcies should be your last resort do not use them often

🔸 Most people who file bankruptcy still need credit repair because of the negative impacts of bankruptcy 🚨

🔸 Lastly bankruptcy is NOT credit repair ❌

One of the greatest things in life is doing what you love to do and being of a blessing and assistance to others.

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The “original creditor” provides the collection agency with the information on your credit application. ⠀⠀⠀⠀⠀⠀⠀⠀⠀



If you’ve moved, someone listed on the application (employer, bank, credit references, or nearest living relative) may know where you are.

Creditors have the right to reach out to them in attempt to obtain, update, or gather any updated information on you.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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‼️HOWEVER; federal law limits these types of calls‼️⠀
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⚠️ ⚠️ Phone books, phone directories, printed or online, are good sources of names, addresses, and phone numbers. If a collection agency has your phone number, it may be able to find your address using a reverse directory. A reverse directory lists telephone numbers in numeric order, rather than by name.⠀
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⚠️ ⚠️ The agency may check the post office for a forwarding address.
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‼️ ALSO ‼️

Major credit bureaus with their own collection agencies receive “change-of-address” information each month from the U.S. Postal Service.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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With this being said,,,,



🔥🔥 You STILL have a “𝗥𝗜𝗚𝗛𝗧 𝗧𝗢 𝗣𝗥𝗜𝗩𝗔𝗖𝗬” 🔥🔥
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💰Go study the law and fight back for being violated💰

Dear parents,
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If you have “GOOD CREDIT”,

🔥 add your children to your credit card 💳 as an “authorized user” 😮


🛑 DON’T GIVE THEM THE PHYSICAL CARD 🛑

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By doing this Your 👉🏽 credit history will become 👉🏽 their credit history

💫💫When they turn 18 they’ll have great credit to enter out into the world and have control of their buying power💫

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🔱 THIS IS HOW YOU BREAK GENERATIONAL CURSES 💚💚💚

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&wealth

If you lost your job today, how would you pay your bills to survive financially?
🤔

🗣Employee: My job pays $700 a week⁣
Friend: "Hook me up, Introduce me to the Boss, Pass them my Resume, What's the website where I can apply for the job, What course should I take in school to get the job?" I'll sell my soul to get the job"⁣
⁣
Entrepreneur: My business makes $300+ A DAY⁣
Friend: "Is it a Scam⁉️, Do I have to pay a startup cost⁉️, will it interfere with my disability or welfare⁉️, Do I have to talk to people⁉️, will I get my money back if I fail⁉️" Do I have to sell anything⁉️"🤦🏽‍♂️🤦🏽‍♂️🙄🙄😒😒⁣
⁣
~Excuses exist for those who fail to accept that change will make them better‼️~⁣
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You do not have to like this post. LIKES don't equal CHANGE.....🤜🏾🎤

🧳Start a Business $200–Too Much
📲Buy an iPhone $800–I Got That

🔨Fix Your Credit $1K or less—Too Much
🎮Buy PlayStation &1K—I Got That

🫑🥒Healthy Groceries $200–Too Much
🍸Dinner & Drinks $200– I Got That

📺Watch Netflix 2 hrs—1 More Episode
💻Learn a new skill 2 hrs—No Time

Life is about choices.
Stop blaming “The Lack of Opportunity”