Changing Lives One Credit Score at a Time

Changing Lives One Credit Score at a Time Providing families and communities with Financial Literacy, giving them the secrets to success and helping them regain their buying POWER

02/21/2024

CREDIT SCORES and their REAL meanings! Time to !

499 or Lower (VERY BAD)....... this is the “You know goodness well you can’t get nothing on credit” credit score 🤦🏽‍♀️

500-579 (BAD)..... this is the “ You can try and see what happens” credit score 🤷🏽‍♀️. Most companies will deny you for credit

580-619 (POOR)...... this is the “You can play but you WILL pay” credit score. You may get approved but they will make sure your interest payments are sky high and you will end up paying more over the years 🧐

620-679 (FAIR)....this is the “ OK, I’ve seen worse” credit score. Interest rates will vary depending on what type of credit you are applying for. 😩

680-699 (Good).....This is the AVERAGE credit score. You will most likely get approved and pay interest but it won’t be as high. ☺️

700-799 (VERY GOOD)..... This is the “We want your business” credit score. Only 27% of Americans have this score. Look forward to good interest rates and instant approval 😃

800 and higher (EXCELLENT).....This is the “NO INTEREST FOR 2 years” credit score. You are treated like royalty....red carpet and all. Never turned down, lowest interest rates available, and you can have the biggest Chanel bag up in the store if you want it ....👑💳💰💰💰💰💰

EVOLVE 🫦💪🏽🥰💕🩷

01/29/2024

MONEY 💰 MONDAY ✍🏾

🗣🗣🗣Credit Karma is NOT Free!

Credit Karma makes money off of your personal information you volunteered! 😟

❌Credit Karma is NOT a credit monitoring site! - They collect your information from the credit bureaus to create targeted campaigns based on your personal information
which makes Credit Karma an affiliate marketing site!

❌Credit Karma DOES NOT give you FICO scores! - Which is what mortgage lenders use.

Credit Karma gives you Vantage scores...

Credit Karma buys your scores for penny on the dollar, this is how they are able to furnish you with updates every 7 days.

Why? To get you to look at your scores and their AFFILIATE offers!...You know, the offers for those credit cards that say you have a fair, good or very good chance of being approved for.

Have you noticed they never say "You have a bad or poor chance⁉️”🤔

🚫Apply, get denied and now you have an inquiry on your credit profile. ⬇️ 😟

And those of you that are seeing you have a "chance" of getting approved for an American Express 💳 think again... You would be surprised to know, American Express only pulls from Experian for credit cards? 😮

❌Credit Karma DOES NOT give you Experian credit report or scores

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Memphis, TN

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+19015121474

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