November 15, 2017

Did you know that this was possible?

Understanding how credit scores are calculated is imperative. There are 5 components to a score: payment history, utilization, length of credit history, credit mix, and inquiries/new accounts.

Your credit mix accounts for 10...

October 25, 2017

Trick: a cunning or skillful act or scheme intended to deceive

This topic is consistently the talk of the town...

*What is the SCT?
*Will this result in a hard or soft pull?
*Is this legal?

So let's talk about this "trick" for a minute.  First things first, it isn't a "...

October 9, 2017

The information you're about to read has been discussed numerous times since the inception of the FCC group on Facebook...however, in the past few days, I've seen it resurface, and there's still much confusion. 

This is what many have asked or stated:

*"How lon...

September 27, 2017

So....the time has FINALLY come...My first book! Am I really an author now??

*jumping up and down*

Over the course of 9 months, the FCC Facebook group has grown to a little over 50,000 members!! WOOOO HOOO!!  I absolutely love how encouraging and supportive everyone is...

September 14, 2017

Hey Shanté, how did you manage to save $1200 in just one year, without even missing it?

Well I'm glad you asked! Check this out...

This time last year, I downloaded an app called Qapital.  It allowed me to set up any bank accounts, debit, and credit cards that I use.  Th...

September 8, 2017

Hey! You! Yes...YOU! 
‍‍‍‍‍‍ ‍‍
The one that JUST opened a Self Lender account...or you...who JUST applied for a credit card...‍‍‍‍‍‍ ‍‍
...wait...or you, who JUST paid off a debt...*looks around*...and you too...who JUST used 10% of your credit card limit and paid it...

August 8, 2017

Have you ever been reading a review for a product on Amazon, and come across this statement, "I received this product for free in exchange for an honest and unbiased review"? I know I've seen it several times and always thought, "I WANNA MAKE THIS STATEMENT TOO!" So, I...

August 2, 2017

A few months ago, I woke up one Saturday morning, looked around the house, and determined that it was going to be a day of cleansing and purging!  I started going through closets, gathering clothes I hadn't worn in YEARS.   I snatched every book off the shelf that I'd...

July 21, 2017

As you travel down your path to rebuilding and repairing your credit, you've probably opened new tradelines, worked on paying off your debt, disputed negative items listed on your report, and signed up for various credit building accounts.....but did you know you can h...

July 16, 2017

So, you decided to go shopping for a car.  The dealer runs your credit to see if you qualify for a loan.  A few days later you check your credit report and find EIGHT hard inquiries!! WHAT??? The first thought you have is how much your credit score will decrease becaus...

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