Credit360 Credit Repair

10/01/2026

I’m excited to share that I’ll be returning to the 2026 Teach To Fish NoMi Business Summit, presented by Vice Mayor Kassandra Timothe, as a featured speaker!

🎤 My Session:
Credit & Capital

🗓 Monday, October 5, 2026
⏰ 2:00 PM

For business owners, having a great idea is only part of the equation. At some point, that idea needs fuel, and in business, that fuel is often credit and access to capital.

During my session, I’ll break down how entrepreneurs can better understand the relationship between personal credit, business credit, funding readiness, and accessing capital to grow their businesses.

We’re going to talk about the real stuff, the things business owners need to know before they walk into the bank asking for money.

Because sometimes the problem isn’t that capital isn’t available. The problem is that the business wasn’t positioned properly to receive it.

I’m looking forward to connecting with entrepreneurs, sharing practical strategies, and continuing the conversation around building businesses that are structured to grow, scale, and create lasting impact.

🎤 Credit & Capital
📍 2026 Teach To Fish NoMi Business Summit
🗓 October 5th at 2 PM

See you there!

09/23/2026

Do you have mortgage or credit questions about becoming a homeowner? 🏡

You don’t have to have everything figured out before you start. Sometimes the smartest move is simply getting clear on where you stand and what needs to happen next.

Whether you have questions about your credit, mortgage options, down payment assistance, or you’re just not sure where to begin, I’m here to help you understand the process and build a realistic game plan.

✅ Credit questions
✅ Mortgage questions
✅ Down payment assistance
✅ Homeownership planning

Schedule a FREE Homeownership Credit Consultation and let’s talk about your next move.

📞 305-235-4848
🌐 www.credit360.biz

Credit first. Mortgage second. Keys third. 🔑

09/14/2026

💳 WHY YOUR PAYMENT CLEARED BUT YOUR CREDIT REPORT DIDN’T GET THE MEMO

You paid your credit card early. The payment cleared, but your credit report still shows the old balance. Before you call the credit bureau asking if everybody went on vacation, let’s talk about timing. 😂

Your credit card has several important dates, and each one has a different job:

📅 July 20: Statement Closing Date
Your billing cycle closes with a balance of $2,450. That balance may be included in the creditor’s next update to the credit bureaus.

📄 Credit Report Updates
Your report displays the most recent balance received from the creditor, which is still $2,450.

✅ August 10: Payment Cleared Early
You pay the full $2,450 five days before the August 15 due date. Your payment is successful and your account remains current.

So why is the balance still showing?

Your credit report does not necessarily update when your payment clears. It may continue showing the creditor’s previous balance until the next update is submitted.

Here’s the difference:

🔹 Closing date: Billing cycle ends
🔹 Payment date: Payment is processed
🔹 Due date: Payment deadline
🔹 Reporting date: Creditor updates the bureaus

📌 PAYMENT DATE ≠ REPORTING DATE

Reporting schedules vary by creditor, so confirm yours directly with the card issuer.

Need help understanding your credit reports?

🌐 www.credit360.biz

09/08/2026

💳 WHY PAY MONTH AFTER MONTH WITHOUT MEASURABLE RESULTS?

At Credit360, our payment structure is connected to documented results through our Pay-Per-Delete Credit Repair Program.

🔍 HOW IT WORKS

We review your credit reports and identify negative information that may be inaccurate, incomplete, outdated, inconsistent, or unverifiable. Our team then prepares factual disputes based on what is actually being reported.

When an eligible negative item is confirmed as deleted, the applicable deletion fee is charged according to your service agreement.

✅ No endless monthly service fees
✅ Personalized credit report analysis
✅ Factual and documented disputes
✅ Results reviewed after each round
✅ Deletion fees based on confirmed results

Eligible items may include collections, charge-offs, late payments, repossessions, judgments, bankruptcies, foreclosures, inquiries, and inaccurate personal information.

An enrollment fee applies and covers your initial analysis, file setup, dispute strategy, client portal access, and case management.

Bad credit doesn’t make you a bad person. Sometimes your credit report simply needs the right eyes and the right strategy.

📅 credit360.as.me
📞 866-840-4646

Credit360
“We Love Helping Good People With Bad Credit.”

Results vary. No deletions or score increases are guaranteed. Accurate and verifiable information cannot legally be removed.

08/17/2026

🏠 Ready to take the next step toward homeownership?

Join the Welcome H.O.M.E. In-Person Information Session and learn about housing opportunities available in Miami-Dade County.

📅 Thursday, August 20
⏰ 6:00–8:00 p.m.
📍 JL (Joe) and Enid W. Demps Park — Multipurpose Room
11350 SW 216th Street, Miami, FL 33170

Attendees will learn about:

✅ Program eligibility requirements
✅ The application and selection process
✅ Available homeownership assistance programs
✅ Steps to becoming a homeowner in Miami-Dade County

Information opens doors—but only if you walk through them. Register today: https://bit.ly/MDEATINFO

08/11/2026

😩🏠 Rent went up AGAIN?

At some point, it’s worth asking: Am I paying more just to stay, or could I be working toward owning? 🤔🔑

Homeownership isn’t the right move for everyone, but if rent keeps climbing 📈, it may be worth finding out what your options look like.

💳 Your credit
💰 Your income
📉 Your monthly debts
🏦 Your savings
🏡 Available loan programs
All of it plays a part.

✅ Don’t guess. Let’s look at the numbers.

Schedule your FREE mortgage consultation and let’s see if homeownership could be your next move. 🏠✨

📞 754-342-2121
📅 https://credit360.as.me/Andre

👔 Andre Coakley | Loan Officer | NMLS 2189905

08/03/2026

𝗬𝗼𝘂 𝗽𝗮𝗶𝗱 𝘁𝗵𝗲 𝗰𝗼𝗹𝗹𝗲𝗰𝘁𝗶𝗼𝗻… 𝘀𝗼 𝘄𝗵𝘆 𝗱𝗶𝗱𝗻’𝘁 𝘆𝗼𝘂𝗿 𝗰𝗿𝗲𝗱𝗶𝘁 𝘀𝗰𝗼𝗿𝗲 𝗷𝘂𝗺𝗽?

Because paying a collection may fix the balance, but it does not automatically erase the history of the account.

Before payment, the collection may show an outstanding balance and unpaid status. After payment, the balance may update to $0 and the account may show as paid—but the collection can still remain on your credit report.

Think of it like a damaged relationship.

Paying what you owe may correct the situation, but it does not instantly restore the trust that was lost. That credibility has to be rebuilt through consistent, responsible behavior over time.

This is why some consumers pay off a collection expecting a major score increase, only to see a small change—or sometimes no immediate change at all.

Paying the debt resolves the balance.
Building positive credit history rebuilds the trust.

Need help understanding what is affecting your credit?

📞 Call Credit360 at 1-866-840-4646
📅 Schedule your free credit consultation: www.credit360.as.me
🌐 Learn more: www.credit360.biz

Credit360
We love helping good people with bad credit.

08/03/2026

07/29/2026

🚨 Not sure what’s hurting your credit? Let’s review it together.

A lot of people know they need better credit—they just do not know where to start. That is exactly why Credit360 offers a free credit consultation.

During your consultation, we can help you:

✅ Understand what is affecting your credit profile
✅ Identify possible problem areas or inaccuracies
✅ Answer your credit questions
✅ Discuss practical next steps based on your goals

No pressure. No judgment. Just honest guidance to help you make a more informed decision.

📅 Schedule your free credit consultation:
www.credit360.as.me

📞 1-866-840-4646
🌐 www.credit360.biz

Sometimes the first step is simply finding out what needs to be fixed. Let’s take that step together.

Andre and the Credit360 Team