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Can we normalize talking about the “C” word?

8/12/2021

8 Comments

 
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This post is sponsored by Lexington Law, but the content and opinions expressed here are my own. https://www.lexingtonlaw.com/disclaimer

Can we normalize talking about the “C” word? Yes, Credit! Storytime: Growing up, I never really listened to my parents about credit or even learned about it in school. How important credit is, how it can affect your life’s goals, wants and needs. In College I ran my credit to the ground, stores were handing out store cards like candy and the next thing I knew I was over 20,000 in debt as a college graduate! There was no way I was going to dig myself out of that hole. I made a vow to pay off all this debt by my 27th birthday, and I did. This made me very self-aware and dedicated to never putting myself in a bad credit position again.

Unfortunately, that wasn’t the case. When I became an entrepreneur, there were tough times when I had to lean on my credit cards to purchase products, pay bills and really survive off credit. Statistically minority entrepreneurs don’t get the same access to loans and business funding, so my personal credit was affected. Now that the world is changing and uncertain, I seek out companies like Lexington Law to help me build and maintain my credit so I can be a thriving entrepreneur, who doesn’t have to worry about applying for a loan in the future without fear of being denied due to my credit.

Even now, shopping is my kryptonite. It’s a part of my lifestyle but also my business, which I blog about. Since college I don’t lean on my credit cards when I shop, I learned that if I can’t splurge and pay for it now, then I probably don’t need it (or need to put on a credit card) only emergency things I keep reserved for my credit card which I can pay off month to month.

Lexington Law has really helped me learn new things about my credit, including disputing old accounts since my college days. You would be really surprised on what remains on your credit report that does not need to be there. They have options online, as well as a convenient app that you can download so you can always be confident about your credit even on the go. I will also note that they are super responsive and judgement free, credit affects everyone. Take a look at these great services/tools including:

Credit Analysis – This is easily one of the best tools as it gives you a direct breakdown of the factor’s creditors use to review your credit score + report! This tool will also allow you to see what accounts are affecting this factor and how to improve this factor of your credit report and score.

Money Manager – This is a budgeting tool that allows you to link your accounts with the app/website and set financial goals (paying off debts, saving accounts, etc.).

Credit Reports – You have access to your credit reports 24/7 and can download them at any time under the “Credit Reports” tab in the menu. This tab will also break down ALL the accounts on your credit report and show you positive and negative history on your accounts.

Inquiry Assist – Due to our agreement with the credit bureaus, CreditRepair.Com is unable to personally dispute inquiries on your report. The way we have gotten around this is with our Inquiry Assist tool on. Under Inquiry Assist, you are able to download pre-written letters by our attorneys that dispute the inquiry on your credit report. All you have to do is print, sign and mail the letter out. The letter will have the address for the creditor and the bureau on there.

24/7 Credit Monitoring - This is a big one for credit repair! Any changes that happen on your credit report or social security number, we will notify you and ensure these changes were made by you. If not, we will get in touch with the creditors for clarification and to make sure you are not to be held liable for the changes. This doesn't always happen but it's important that someone's got your back!

I encourage everyone reading this to check out Lexington Law, they have different levels of services that fit everyone’s budget but ultimately, building healthy credit knowledge is priceless.


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8 Comments
Ashlee link
8/12/2021 01:14:50 pm

Yes 24/7 credit monitoring is major! Now that I’ve become intentional about my credit it’s a must for me! Great write up!

Reply
Imani
8/12/2021 01:52:15 pm

Yes! Credit is extremely important. I am so glad I have the opportunity now to learn even more and to teach the generation coming up on how to use credit and leverage it correctly.

Reply
Shania link
8/12/2021 03:10:10 pm

Credit is extremely important, I wish I listened to my father & grandmother when they were lecturing me about credit. I ran my credit to the ground having fun as a young adult. Now it’s a issue hunting me today, as I’m trying to repair my own credit. We need fun ways to educate our children so their more engaged and it doesn’t feel like a lecture to them.

Reply
Etta Mae'
8/12/2021 03:41:01 pm

I had to learn the hard way about credit importance. I got my first Credit card at 17yr used them foolishly. Especially when Credit wasn't something that was taught about in my home.
Yess 24/7 is important for me and my Credit rebuilding journey.

Reply
Tiffani
8/12/2021 04:11:39 pm

YES!!! crisis needs to be a class taught in schools today. Our young people need to know that credit is extremely important in their futures! I was taught at a young age and those lessons have been vital to my adulthood.

Reply
Ebony
8/12/2021 04:18:18 pm

Credit is cash these days. If you don't have the cash to pay up front you definitely need good credit so you don't pay more in the end with interest. Love they offer education as well. That is a must to keep your score good.

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Diamond Commodore link
8/13/2021 09:27:12 am

Yes credit is so important, I really think not needs to be taught in the school systems. We need grasp this topic at young age .

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Ashley
8/13/2021 09:42:04 am

I agree ! Rather just an at home lecture ,Credit needs to be taught in school. Getting out of debt is hard and teens wouldn’t have to learn the hard way if they were taught how to use it wisely .

Reply



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    Author

    Morgan Angelique Owens  is the author of "Finding My Sparkle" and Founder & CEO of the MAO Brand, Professional Pretty, and Curvy Cardio, LLC.
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    An entrepreneur powerhouse -- Author, Consultant, Speaker, Brand Ambassador -- 
    Morgan uses her vision and voice to coach and uplift women and young girls by sharing the knowledge and expertise she's honed in the areas of physical and mental health, beauty, personal empowerment, and lifestyle content.  She uses her passion and fashion-forward savvy to authentically bridge the gap between brands and underserved audiences. 
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    Morgan strives to empower individuals and businesses to invest in their futures and find their Sparkle.  

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