Dear First Year College Student: What You Do Right Now Will Impact Your Credit Future

Uncategorized May 20, 2021

Dear First Year College Student:

Welcome to one of the most exciting and memorable times of your life!

By the time you’re reading this, you’re probably into a good routine with your new school. You’re learning new things. You’re meeting new people, some of whom will become lifelong friends. You’re discovering your own identity - perhaps for the first time away from your parents’ home.


And, you’re making decisions that will impact you for the rest of your life - such as, what topics you’ll study in pursuit of your ideal career.

You may also make some decisions right now that will impact you for the rest of your life even though you may not realize their importance yet! I’m talking about decisions related to borrowing money, getting credit, and (ultimately) building a healthy credit report.

Your credit report is a record of your history of how you handle your debts - how well you pay back money you owe and how...

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Do you need a diet? A credit diet, that is

Uncategorized May 05, 2021

Diet season is upon us. With spring right around the corner and bikini season not far behind it’s time to renew those New Year’s resolutions and get your booty in shape for summer! For many of us, it’s also time to think about a credit diet too. How about you? Are you starting to feel your budget getting tight with rising credit card bills? If so, it’s time to tighten your belt and shed some of those nagging bills. I recently asked questions to Can Arkali, principal scientist for analytics and scores development at FICO® and here are a few good reasons to trim your credit card balances, especially if you have any major financial goals – like buying a home or paying for college - this year.

How low do credit card balances need to be to increase my FICO® Score? Your credit utilization ratio - the percentage of your available credit you’re using - is an important factor in your FICO® Score. While there are no hard and fast rules for...

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3 Facts You Must Know About Insurance and Your Credit

Uncategorized Apr 27, 2021

How you handle your credit can affect so many areas of your financial life, but here’s one you may not realize. Your insurance company is also watching your credit and modifies what you’re paying for insurance on your car, home, etc. based on your credit score. We all know that insurance isn’t cheap, so what do you need to know about your credit and insurance? Here are three important facts:

1. Your credit file can affect what you pay for insurance. Yes, it used to be that your record of claims on your insurance was what caused your auto insurance rates to go up or down – in addition to other factors. But now, whether you pay your credit card bill (and all your other bills) on time can also determine what kind of insurance rates you pay. The insurance companies have figured out that the better you handle your credit, the less likely you are to file claims on your insurance.

2. You have an ‘Insurance Score’ – You already know that you...

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Not If you will become a victim of Identity Theft, but when....

Unless you’ve been touched by it or have known someone who’s been a victim, you may not think much about identity theft. When Equifax Inc. announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers, hearing about this made me want to share how to start protecting yourself. 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 report on a regular basis. You can get one free report per year from each of the three major credit bureaus by visiting I recommend getting one at this time from...
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Uncategorized Mar 22, 2020
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Secured Loan

Uncategorized Mar 19, 2020

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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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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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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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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Earn Extra Income