Credit Tools

This POWERFUL tool is a money saving, dispute tracking POWERHOUSE.

Instead of paying a company $159/mo to mail a dispute on your behalf, when you sign up for credit monitoring (no contract) for $29.99/mo, it generates a dispute letter for each account! All you have to do is Print and Mail! This system will track the disputes and notify you when it's time to send the next round! Cancel whenever you're done or continue using the monitoring!

This is my favorite credit builder card!

Yes, I'm an affiliate, but it's because I found something that supports my clients' needs.

This company starts reporting to the credit bureau as fast as 5 days!

This card allows you to sign up for 2 cards at once to speed up the credit score boosting process.

You only have to put $200 as the beginning balance.

If you don't have credit or do not qualify for credit cards, start here!

I created this planner at the beginning of 2023. I filled it with knowledge that I constantly share with First Time Homebuyers. To make it personal I included every method I used to help me qualify and get my credit score back on track including the debt snowball tracker, credit card debt tracker, car payment tracker, affirmations, planning, and other tools that helped me save money, increase my credit score from 535 to 700+!

If you need a last minute score boost so that you can qualify for a home, THIS IS IT! Rome wasn't built in a day, and sometimes you just need a quick boost to qualify. In as quickly as 10 days, you can get credit for 2 years of on time rent payments! The average increase for most people is 40 points. To take full advantage of this, you want to ensure you have been paying on time each month!! There is a service fee, but again...once you are done, cancel and move on!

Having a budget starts off feeling like a corset and handcuffs, restricting you from everything you want to have. But the reality of it is that it actually frees you to have all of those things. When I did debt snowball for 8 months and realized I could have an extra $350-400/mo just from removing credit card payments, I was all in. Credit card debt and student loans paid in about 15-18 months!! Pure freedom! And that's when I realized, I had enough money to invest in real estate.