When we think of a “New Years Resolution” we have to name it what it is…A Promise To Oneself! The top 2 resolutions made every year are (1) to get PHYSICALLY fit and (2) to become FINANCIALLY fit. By month 3…(if not sooner)…90% of Americans fail. I strongly believe that if we cannot keep a “promise” to ourselves – then who can we give our word to?
At The Credit Lady – our goal is to help our clients reach their financial goals. To find out what the needs are and to work with you (as long as possible) to keep those promises you’ve made to yourself when it comes to your financial success.
The goal of credit repair is to: remove the bad data that brings your overall credit scores down on all three bureaus. Each credit bureau will house similar and different data about you and your creditors. The objective is to ensure that the correct information is visible that represents you.
In addition – derogatory information weighs your credit files down such as:
- Late Payments
- Repossessions
- Chargeoffs
- Collections
- Medical Bills
- Foreclosures & More
This information is usually old and needs to be removed from your profile in order to make a significant impact on your scores. Then there is the active data on your credit report(s) that keeps you in debt and keeps your debt-to-income ratio (DTI) high.
As a company, we want to help our clients to become debt-free as well by incorporating a plan that makes good financial sense. A plan that pays ALL your debts off YEARS in advance so you can work on creating a REAL retirement, sooner rather than later! If you have not received the memo…social security will NOT be able to take care of you in your old age, if it’s even around at all.
Furthermore – the age limit to receive social security has been increased. Now, I don’t know about you – but I don’t want to wait until I’m 70 years old to retire and I definitely don’t want to be in a position where I cannot care for myself and the only option as an elderly individual is to get a part-time job. That visual does NOT sit well with my spirit and it should NOT sit well with yours either!
So, whether you are in your 20’s, 30’s 40’s or 50’s – just know it is not too early or too late to begin planning for your financial future. But just know…at some point in your lifetime, if you have not taken the necessary steps to secure your retirement…it WILL be too late and you will have to settle for what you produced or failed to produce for your future.
Just know that you owe it to yourself to:
- Get your credit in order (700+ scores preferably)
- Get your debt(s) paid off (most people on paper show over 20 years of debt owed) &
- To secure your financial future with a TRUE savings beyond a 401K and social security (its not enough)!
So in a way we are asking you to be selfish! Making the decision to take care of yourself is the best gift you can give yourself and your family!
The time to take action is NOW! We are offering a FREE Financial Needs Analysis (FNA) to those that desire to see where they are and where they can be by the end of the year & beyond!
Make a promise to yourself and let us help you to keep it! Financial Wellness is lacking nationwide…the only way to combat this epidemic is to take action! For more information visit us online at: www.CreditLady.com You can also call: (888) 718-6818 to speak with a certified consultant! To your massive success!
