What if your credit report says you're dead?

Uncategorized Oct 28, 2019

What is your credit report says your dead?


It’s always distressing to be rejected for a credit line, but perhaps the worst is when you find that you’ve been declined because your credit report has you as deceased!  However outrageous it may sound, this does occasionally happen, and I’ve helped many of my own clients through the process of correcting this error.


Being reported as deceased can happen to those who share an account with someone who has died, namely a spouse or a family member — if you share the same last name, human error can take its toll.


If you found out your credit report has you a deceased,  it’s important you move quickly and know that you’ll have to check your credit report with Experian, Equifax and TransUnion. Then you can see if any creditors tagged your account as deaceased. Most of the time, these notices serve the important purpose of preventing thieves from making use of the...

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Jeanne Kelly on The Doctors TV

Uncategorized Feb 05, 2019

I just wanted to make sure if you missed the segment I was on talking about #HealthyCredit you are able to watch it. 


Cheers to your Healthier Credit~


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Your Credit and the Partial Government Shutdown

Uncategorized Jan 27, 2019

This is posted on Thrive Global 

As you might imagine, my phone has been ringing off the hook with clients, friends, and students asking me all about what will happen to their credit if they are missing payments due to the partial government shutdown. So I thought I’d address what’s happening and give you a step-by-step plan to protect your credit if you are in this situation. If you’re being affected by the shutdown, you’ve got some work to do to protect your financial security and your credit score. Here’s my step-by-step plan.

First of all, don’t panic if you just missed your first set of payments. Remember that a late payment does not report on your credit until the 30th day from your due date. So, you have 30 days before you get reported late from the due date, which may help ease your mind a bit. 

But there’s still work to be done:  

Read more

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Are you forgetting these 3 important ways to protect your identity?

Uncategorized Jun 06, 2018

No foolin’! Protecting your identity is no joke. These days thieves have become very sophisticated and they are amassing data that can be used for a multitude of crimes like filing your taxes and stealing your refund, or creating alternate identification to allude authorities or even worse have you charged for a crime you didn’t commit.

There are several ways to protect your identity, many of which you’ve heard about and are likely practicing. However, there are a few lesser known, lesser understood strategies that can give you better protection and more peace of mind.

  1. Protect your Social Security Number – So often we are asked to recite our Social Security Number to be used as identification. However, unless it’s actually the Social Security Administration or a reputable banking institution requesting your number, avoid giving it out. You can, and should, always ask the purpose of their asking for your SSN and what it is used for. If it’s...
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Secured Loan

Uncategorized Jun 02, 2018

Do you want to build new accounts on your credit report? I have a way that can help you. FICO credit score likes types of credit on your credit report. Often times people are building credit with just secured credit cards. You can add an installment loan to your credit report. I found a lender that does this and it works differently from a typical loan. Rather than borrowing money up front, you make fixed monthly payments into a savings account for a specific period of time. The bank reports your payments to the credit bureaus, allowing you to build a new installment loan. At the end of the loan term, you can access the money in the savings account so I feel it is a win, win.

Here is my link to get this credit-builder loan:

Link For Loan

Remember how I said FICO credit score is 35% payment history, so this can start helping with that part of the score. 30% are regarding balances so keep the credit card balance low. 10% of the score is types of credit, that is why if you get a...

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Looking for people who want to earn extra income

Uncategorized May 29, 2018

I didn't know that by finding a solution to a big problem, I would be earning extra income and changing peoples lives. Here is my latest quick podcast. 


and a video I posted:


Want to start, click here to join:


Want to schedule a call, email me [email protected] 

To Your Success~



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Spring Cleaning for your Credit

Uncategorized Apr 03, 2018

Happy Spring! Perhaps you can relate to wanting a new beginning with your personal finances and credit as well? Spring is a perfect time, especially if you’re still dealing with paying off holiday shopping bills or are planning some major purchases like a home or a car this year. Think of the steps below as Spring Cleaning for your Credit. Follow this plan, and come summer vacation-time, you’ll feel as peaceful as a summer Sunday.

 Dust – Have you checked your credit lately? If you haven’t pulled it in the last six months, it’s time to blow the dust off and take a look. Visit annualcreditreport.com or myfico.com to access your report. Checking your credit regularly prevents identity theft and fraud, and helps you stay on track with maintaining your healthy credit. Regular check-ins can help raise your score, especially if there are errors on your report that are costing you points.

Prune – Cut back on your revolving credit accounts. Having a...

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Go ahead, steal my ‘Word for the Year?’

Uncategorized Jan 20, 2018

Each year, as part of my goal setting and planning for the months to come, I pick a word for the year. I’m curious, do you do this too? We perpetuate what we focus on, so in naming my year, I’m putting into motion a self-fulfilling prophesy and my word permeates each aspect of my life, my work, and my relationships. It’s amazing the power you can summon to create your future just by naming it. And this year, my word of the year is ‘Focus.’ Feel free to join me and use this as your word for the year too!

Now that we’re well clear of the holiday season and those holiday shopping are arriving in the mailbox, many of us will be longing for some focus in our finances. If you have some financial goals this year to buy a home, pay down debt, or replace your car, you’re going to need some focus on your credit health to get those things done. And I’m here to help! Here are three tips to shift your focus to improving your credit and finances...

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Identity Theft

Uncategorized Apr 03, 2017

Monitor & Protect Now

Unless you’ve been touched by it or have known someone who’s been a victim, you may not think much about identity theft. However, according to the Bureau of Justice, each year about 17.6 million Americans or 7 percent of the population are victims of ID theft. That’s each year! About 2 in 5 of us have either been victims or know someone who has, according to one statistic. Another report states that financial losses add up to about $50 billion each year! To me, these numbers mean that we’re all likely to be affected by ID theft at some point if we haven’t been already; or worse, we’re being victimized right now and do not even know it.

The good news is we can each take simple steps to protect ourselves and our families and stop ID thieves in their tracks. Here are three easy actions you can take:

  1. Check your credit report regularly – One of the best ways to detect and stop identity theft is to check your credit...
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