Monica Jinks

Monica Jinks CEO of Jinks Enterprise: Credit Repair Specialist and Business Coach.📈

Hey
08/07/2025

Hey

Credit Tip 🧠💳Did you know paying on an old collection can actually drop your credit score? 😳Why? Because it updates the ...
06/14/2025

Credit Tip 🧠💳

Did you know paying on an old collection can actually drop your credit score? 😳
Why? Because it updates the date of last activity, making it look recent—even if it’s negative!

Instead, try these 2 smart moves:
1. Dispute the account for permanent deletion 🧾
2. Request a “Pay for Deletion” agreement before paying 💬

Collection Deleted!!!

06/13/2025

📣 Just to Be Clear…

I don’t fix credit for you, I give you access to powerful AI credit software that helps you dispute negative accounts yourself. You’re in control, at your own pace.

But I also know… not everyone has time to do it themselves.
If your lifestyle doesn’t allow for DIY credit repair, my team can handle it for you. Simple. Stress-free.

⸻

🎁 FATHER’S DAY PROMO — All Month Long!

🔹 DIY Credit Software
💻 Regular Price: $499
🎉 Promo Price: $99

🔹 Done-For-You Service (My Team Handles It)
👥 Regular Price: $289
🎉 Promo Price: $189

This is the perfect opportunity to invest in yourself, or someone you care about. Credit is a tool. Use it wisely.

📲 Like, comment, or share this with someone who needs help.
And if you’re ready, DM me “CREDIT” to get started.

– Monica Jinks
Jinks Enterprise

06/13/2025

💬 A Quick Message From Me to You…

To my current customers, I just want to say this:
I know life gets real, and when bills stack up, credit repair can feel like just another expense. But here’s what I want you to remember: fixing your credit is an investment, not just a bill.

If things get tight, don’t go silent. Just communicate with me. We can figure something out together. You’re not in this alone.

To those who are still thinking about it… maybe you’re waiting to see more results, or you’re unsure if it’s the right time, I get it. I was you once.

I needed to trust the process. I needed to see it work before I could believe it.

Now that I’ve seen the results for myself, I want to pass that knowledge and opportunity on to you. And who knows, maybe one day we’ll even become business partners. 🙌🏾

Whatever stage you’re in, just know I’m rooting for you.

– Monica Jinks
Jinks Enterprise

06/13/2025

Soft Pull vs. Hard Pull

Every time you apply for credit, it’s not always a hard hit.

✅ Soft Pulls – Don’t hurt your score
❌ Hard Pulls – Can lower your score temporarily

Examples:
• Checking your own credit = soft
• Applying for a loan or credit card = hard

Tip: If you’re rate-shopping, try to apply within a 14-day window so it only counts as one inquiry.

06/10/2025

🧠 Credit Hack: Ask for a Credit Limit Increase (Without a Hard Pull)

Did you know you can boost your score without opening a new card?

Here’s how 👇🏾

✅ Call your credit card company and request a limit increase
But make sure to ask:

“Will this be a soft inquiry or a hard inquiry?”

If it’s a soft pull — go for it!
Increasing your credit limit lowers your utilization ratio, which can boost your score without spending more.

📊 Example:
• Old limit: $1,000 — You spend $300 = 30% utilization
• New limit: $2,000 — That same $300 = 15% utilization 💥

Same spending, better score.

💡 Pro tip: Do this every 6–12 months if your payment history is strong.

06/09/2025

I need help with applying for an internship. Anyone who can help me write resume for internships without any experience related to the job, but have school project experience.

Please?

“Why Credit is More Than a Score”Most people only think about credit when they’re denied for a loan, but what if I told ...
06/04/2025

“Why Credit is More Than a Score”

Most people only think about credit when they’re denied for a loan, but what if I told you credit is one of the biggest tools for financial freedom?

🧠 Personal Credit affects:
• Your car insurance rates
• Job opportunities in some industries
• Renting a home or apartment

🏢 Business Credit helps you:
• Get funding without using your SSN
• Separate your personal and business finances
• Build trust with vendors and lenders

Whether you’re trying to level up personally or grow your business, your credit is the silent partner in your success.

Start learning it before you need it.

💬 Have questions about personal vs. business credit? Drop them below and I’ll answer in a future post.

Address

2232 Dell Range Boulevard
Cheyenne, WY
82009

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