Creditdiva

10/10/2025

Expedited Disputes with the CFPB ‼️‼️‼️

10/10/2025

Why Not to Score Watch During Credit Repair and Rebuilding

📌During your credit repair and rebuilding journey, it’s essential to understand the dynamics of your credit score.

🚫Here’s why you should avoid constant score watching:

📢Removing Negative Accounts: When you successfully remove a negative account (such as a late payment or collection) from your credit report, it’s a positive step.

📢However, consider the impact on your credit age. If that account had been on your report for a while, its removal might reduce the average age of your accounts.

📢Credit Age Matters: Credit age (the average age of your credit accounts) is a significant factor in your credit score.
Older accounts contribute positively to credit age. Losing an older account due to deletion affects this metric.

📢Derogatory Accounts and Points: If the derogatory account (negative item) is relatively recent, its removal can lead to score gains.
On the other hand, if the derogatory account is old, the impact on your score may be less significant.

📢Points Will Rekindle: Don’t panic if your scores dip temporarily after removing negative items. They will likely recover over time.
As you continue to build positive credit history, your scores will rekindle.

📢Relax and Focus on Progress: Instead of obsessively checking your scores, concentrate on responsible credit behavior.
Pay bills on time, maintain low credit utilization, and diversify your credit mix.

✨️Remember, credit repair is a marathon, not a sprint. Trust the process, and your scores will reflect your efforts. 🌟💪

10/10/2025

😂😂😂

10/10/2025

Expeditiously

10/10/2025

10/10/2025

10/09/2025

🏡 REAL TALK:
If your Realtor or Loan Officer told you that you need to fix your credit before getting pre-approved, then what are you waiting on?

⏳ So many people delay their own journey to homeownership because they’re simply too tight to invest in their future.

💬 23 years ago, my own loan officer told me the same thing — “You need credit repair before we can move forward.”
Guess what? I took the advice, got the work done, and I’m still in my house today! 🙏🏾🏡

You say you want a house, a better life, and financial freedom…
But you’re not willing to do what it takes to get there.

💡 Truth is: We are our biggest obstacle.

Stop holding yourself back. Get your credit in order and make your homeownership dreams a reality.

👉🏾 Start today — visit creditdiva.myshopify.com

10/09/2025

AMEN

10/09/2025

💳 The Biggest Thing About Credit Repair… 💳

The one thing I’m always pleading with clients about is this —
DO NOT cancel, suspend, or deactivate your monthly credit monitoring subscription! 🚫

This isn’t optional — it’s essential. Your monitoring service is what keeps your credit journey moving forward and allows me to track progress, verify updates, and send new disputes on time.

Honestly, this is one thing in my life that I value like life insurance — it’s something that will always get paid and stay active. 💪

Protect your progress. Stay consistent. Your credit depends on it. 💳✨