Almeshia Ridenhour: the Credit Mentor

What’s the one thing you’ve struggled with building your credit?

What client appreciation means to me.

Good morning prosperity 🙌🏽🌍☀️

I’ve been up this morning at since 2:30am, reading and studying. 🙏🏽

And this is what I see…✍🏽

1. There is always time to work but resting helps you become more productive. Take time to fully
R. E. S. T. Relax. Extend your body and get comfy. Say a prayer, really talk to God and listen. Breathe deeply, so you can fully let go.

2. Live up to your own expectations and measure your self only against the measure God has set for you.

3. Don’t be afraid to outgrow the person you were yesterday. Self improvement is life expanding inside of you.

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Okay let’s talk about credit. One thing credit repair companies, banks and those making claim to be able to do magic on your credit don’t tell you is TIME IS YOUR FRIEND!

The old your Good Paid accounts are the more your credit grows.

Old credit helps to establish you as a reliable payer.

All lender want

1) to their money back in a timely manner
The more they trust you to pay it back, the easier it will be for you to get it

-get gas cards, secured credit cards or regular credits cards. Make these your credit builders. Never pay them late. Never use more than 40% of the balance. Use monthly.

2) to make the most money off the duration of the loan.

-this is where interest rates matter. Banks, lenders rob people with bad credit. They are the modern legal version of a street loan man. The worse your credit is, the higher your rates will be. They break you legs for having bad credit.

-try to wait on large purchases like homes and real estate until your credit is at least 700 plus. I know no one it telling you this but it’s true. You’ll pay hundreds of thousands more with bad credit or fair credit. Don’t let them fool you. They wanna make the sell