Fredrick Lacey Jr.

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Fredrick Lacey Jr.

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06/16/2022

Happy Golden Birthday to my oldest boy ♥️ Love you son 🤴🏽

05/10/2022

⚡️Credit Tip Tuesday ⚡️

If you have lingering credit card debt, you should work on paying it off — especially since your credit utilization rate, or the percentage of total debt you have compared to your total credit limit, is an important factor of your credit score.

🏆🏆 There are several ways you can pay off credit card debt. Here are a few options:

✅ Complete a balance transfer: By transferring your balance to a card offering an interest-free period, you can pay it off quicker and cheaper than keeping debt on a high interest card.

✅ Consolidate debt with a personal loan: Since balance transfer cards often require good or excellent credit, you may want to consider taking out a personal loan to pay off debt. Personal loans often have more accepting credit requirements and are helpful for large amounts of debt. A personal loan will help lower your credit utilization rate since it’s an installment account (which doesn’t factor into utilization), whereas credit cards are revolving accounts (that directly influence utilization).

✅ Redeem rewards: If you’ve accrued cash back, points or miles, you can redeem them for statement credits to help with some of your bill. Keep in mind that the credit you receive will likely cover only a portion of your debt, so you may need to combine this option with another, such as a balance transfer card.

📌 If you don’t have credit card debt, you should continue to pay off balances on time and in full each month. It’s also important to maintain a low credit utilization rate, preferably below 10%.

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04/05/2022

⚡️Credit Tip Tuesday ⚡️

How can you protect your credit?
Freezing your credit

A credit freeze (or security freeze) is a free way to limit who can see your credit report. If you’re concerned about someone using your credit without permission — like an identity thief or a hacker after a data breach — you might want to consider placing a freeze on your credit report. A freeze makes it harder for someone else to open new accounts in your name. It also means you’ll need to temporarily lift the freeze if you apply for credit, since many banks and lenders do a credit check before approving new accounts.

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02/24/2022

🌟CREDIT TIP🌟Thank me later!!!

TWO credit cards you should STAY AWAY FROM:

1. CREDIT ONE 🥵
2. First Premier 👎🏽

What’s wrong with:

1) Credit One?
👉🏽 No Grace Period on Interest (interest charged almost IMMEDIATELY)
👉🏽 Annual Fee of $99 ($75 for year 1)
👉🏽 Costs for having an Authorized User
👉🏽 Average issuing credit limit of $300

🤢

What’s wrong with:

2) First Premier?
I call this one the “Fee-Filled Baby”
👉🏽 $95 Application Processing Fee that counts against initial limit
👉🏽 Annual Fee of $75-$125
👉🏽 36% average interest rate

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12/23/2021

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12/14/2021

🏆Credit Tip of the DAY 🏆

Credit scores are split into 5 major categories:

• Payment History (35% of your scores) — Your history of repaying account debts

• Credit Utilization (30%) — How much debt you’re carrying in relation to your credit limit

• Length of Credit History (15%) — How long you’ve had active credit accounts

• Types of Credit (10%) — Your variety of accounts

• Credit Inquiries (10%) — Number of inquiries into your credit profile

* Avoid costly fees & interest by following our tips *

1. Keep track of your spending.
2. Pay your credit card on time.
3. Maximize your credit card re-payments.
4. Set a sensible credit limit.
5. Don't use credit to make ends meet.
6. Use store cards wisely.
7. Check your credit card statement.
8. Close your credit card properly

Dm me now for info or how to get started today. ⁣⁣⁣⁣⁣⁣

12/06/2021

🏆

Help me give a Huge Congratulations to Dr. Robin who was able to leverage our amazing program to increase her score and get one of her Dream Car!! Here's what she had to say:

"— On 10/12/21 I did a thing… I traded in my 2019 CLA 250 and drove off the lot in a BRAND NEW 2022 GLE 350 Mercedes Benz with 0 miles for my birthday gift to myself! 🥰

This time last year, I was doing rotations in pharmacy school imagining what my life would be like after graduating. Now after only 5 months after graduating, I have a new condo & dream car. If you told me this would be my life, I wouldn’t have believed you. 🤯

When you answer your calling, all the other calls just look like unknown numbers. The key is focusing on creating the life that YOU want. Do it for yourself. Do it alone. Do it because no one else will do it for you. Because once you get it, there’s no better feeling. 🙏🏽 "

Good credit is a huge part of it 💳
DM or Text "INCREASE” to 773-701-1982 on how to improve your credit!

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11/23/2021

✨BUSINESS PARTNER SPOTLIGHT✨

Congratulations to my Business Partner .Not only did he and his wife just close on their home 🙌🏼 but he just got APPROVED for his AMEX card!!!!

Here's what he had to say🚀🚀🚀

Another blessing 🙏🏽😇
Never in my life I think I'd own a platinum card, I always thought it was for the rich.But with a little financial literacy quickly learned it's not true. I took a leap of faith with this amazing company and I've been getting blessed ever since, I don't feel blessing for the card itself but more for the ABILITY!!
literacy

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11/17/2021

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Address

Chicago, IL

Website

https://creditlikes.com/flaceyjr

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