Great Community Authority Forums | Amber | Activity

Amber and Bill Burg are now connected

Sat, 24 Jan 2026 02:59:33 +0000

Amber and Viviani are now connected

Sat, 10 Feb 2024 19:44:10 +0000

Amber and Sonny are now connected

Thu, 01 Feb 2024 03:36:40 +0000

Amber started the discussion Medical Bills and Credit in the Home Buying Process in the forum Credit Forum

Thu, 18 Jan 2024 15:03:50 +0000

Medical Bills and Credit in the Home Buying Process

Many clients come to us with the impression that their medical bills do not matter when it comes to home buying. They say that they were told that medical bills “don’t matter” or “don’t count”, leading them to believe that their score is somehow recalculated without the medical bills when buying a home. The truth is they DO count. If they…

Amber posted an update: Here is what happens if you pay for everything […]

Thu, 18 Jan 2024 14:52:02 +0000

Here is what happens if you pay for everything with cash….

Your credit is NOT just about your score!!!!

As most of you know, we now offer business funding. I have a business funding client who is credit score/income qualified for a 300000 business loan. He has EVERY box checked, except one. He only has 1 open line of credit and no credit cards. …

Amber posted a new activity comment

Wed, 27 Dec 2023 17:20:16 +0000

Hello! It depends on your credit profile and the number of inquiries you currently have reporting in the last 12 months. Worst case scenario would be 4-6 points

In reply to - Amber posted an update

Having a credit card is one of the most important components of building great credit.

Payment history- (192.5 points) this is your positive payment percentage. The more positive […]

Amber posted a new activity comment

Wed, 27 Dec 2023 17:19:16 +0000

Im sorry! Some secured cards do still have qualification parameters. I have some cards that WILL approve you. Let me know if you want some suggestions!

In reply to - Amber posted an update

Having a credit card is one of the most important components of building great credit.

Payment history- (192.5 points) this is your positive payment percentage. The more positive […]

Amber posted an update: I want to share a GREAT new product that could be a […]

Wed, 27 Dec 2023 17:17:30 +0000

I want to share a GREAT new product that could be a game changer for someone trying to get approved for a home. Many people have a low credit score due to utilization. We often work with clients who are at a deadline and have high utilization. Waiting for the cards to report a new balance after payment can be stressful! We recently found…

meetava.sjv.io

Ava

Meet Ava. The easiest way to build credit, save money, refinance, and get out of debt faster. The Credit Builder card and Savings Builder can boost your score and build your savings in as little as 45 days.

Amber started the discussion Why do you NEED a credit union? in the forum Credit Forum

Wed, 27 Dec 2023 17:11:17 +0000

Why do you NEED a credit union?

Let’s talk about a specific subject today!

CREDIT UNIONS/Community Banks

Credit Unions offer products to consumers and businesses!

Why I love Credit Unions and you should too:

Credit Unions offer many more credit BUILDING products than banks. They generally have secured loans and secured credit cards

Credit Unions are all about relationships.…

Amber started the discussion Inquiry Removal in the forum Credit Forum

Wed, 27 Dec 2023 17:07:05 +0000

Inquiry Removal

Inquiry removal is NOT as easy as it was in the past. Most of the time, the credit bureaus are requiring a police report to prove identity theft. I have attached a letter below that sometimes works to remove some inquries. Remember, inquiries stay on the credit report for 24 months, but only lower the score for 12 months. Also, there is…

Amber started the discussion Credit Card Utilization in the forum Unsecured Credit Cards

Wed, 27 Dec 2023 17:01:09 +0000

Credit Card Utilization

How to calculate your credit card utilization.

Balance Owed ÷ Credit Limit × 100 = %

2 IMPORTANT DATES (Due Date & Statement Date)

Due Date-The date it MUST be paid to avoid any late fees.

Statement Date-This is the date they will REPORT to the credit bureaus. Why is this date so important?! Whatever balance is reported on this date is what they…

Amber and Rhonda are now connected

Mon, 18 Dec 2023 16:30:31 +0000

Amber and John are now connected

Sat, 16 Dec 2023 16:41:38 +0000

Amber and LK1119 2004 are now connected

Sat, 16 Dec 2023 16:02:00 +0000

Amber and Tom are now connected

Tue, 21 Nov 2023 14:39:46 +0000

Amber and Sapna Sharma are now connected

Tue, 21 Nov 2023 13:36:08 +0000

Amber posted an update: Having a credit card is one of the most important […]

Fri, 17 Nov 2023 02:41:45 +0000

Having a credit card is one of the most important components of building great credit.

Payment history- (192.5 points) this is your positive payment percentage. The more positive payments you have reporting monthly, the more you will be able to negate any past late payments.

Credit usage – these points (165 points) come directly from your…

Amber posted a new activity comment

Fri, 17 Nov 2023 01:52:50 +0000

He is in my home town!!!

In reply to - Gustan Cho posted an update

I think I may want this canine My wife just texted me this. Four-legged dog with a WTF attitude

Amber posted an update: Credit Tip📍📍📍Ask for credit limit increases on your […]

Tue, 14 Nov 2023 01:32:02 +0000

Credit Tip📍📍📍

Ask for credit limit increases on your credit card every 6 months. This is a generally a soft pull when initiated with your existing account. Double check prior to requesting.

You can also update your annual income on file , and they will regularly screen for credit line increases !

Amber replied to the discussion FREE Credit Basics Bootcamp in the forum Credit Forum

Tue, 14 Nov 2023 01:28:08 +0000

Reply to FREE Credit Basics Bootcamp

Sometimes it can be very easy…. Paying down credit cards or paying off a medical collection. Other times it will take more work. There may be multiple charged off accounts, collections, etc that need to be disputed, a lack of credit, or other factors that can not be resolved as quickly. Every profile is different. We are always happy to…

Amber and Michael are now connected

Thu, 09 Nov 2023 13:42:15 +0000

Amber and Ronda are now connected

Thu, 09 Nov 2023 04:39:38 +0000

Amber and Wiggie are now connected

Wed, 08 Nov 2023 23:49:32 +0000

Amber and Anngelli are now connected

Wed, 08 Nov 2023 21:24:31 +0000

Amber and George are now connected

Wed, 08 Nov 2023 17:14:20 +0000

Amber and Kingsley are now connected

Wed, 08 Nov 2023 17:11:21 +0000

Amber posted an update: Alot of people see the increase “estimates” on Credit […]

Wed, 08 Nov 2023 17:06:38 +0000

Alot of people see the increase “estimates” on Credit Karma and assume that their score will go up after paying a collection. Only their vantsge score will go up. FICO does not differentiate between paid and unpaid collections. For the FICO score to go up, the collection must be deleted.

Amber and Cody are now connected

Wed, 08 Nov 2023 17:02:12 +0000

Amber and Dustin are now connected

Wed, 08 Nov 2023 16:59:11 +0000

Amber and Felix are now connected

Wed, 08 Nov 2023 16:58:28 +0000

Amber and NYISHA are now connected

Wed, 08 Nov 2023 16:57:37 +0000

Amber and Marga are now connected

Wed, 08 Nov 2023 16:54:20 +0000

Amber started the discussion FREE Credit Basics Bootcamp in the forum Credit Forum

Wed, 08 Nov 2023 16:50:01 +0000

FREE Credit Basics Bootcamp

The link below is for our Basic Credit Bootcamp. This is a short, very basic overview of credit. It is a great refresher and has some great tips included throughout the video. ENJOY and we hope you find something of value! If you have any questions, please feel free to reach out

http://www.thecreditcouple.net/bootcamp

thecreditcouple.net

Basic Credit Bootcamp

Amber replied to the discussion What is a charged off account on a credit card in the forum Credit Forum

Wed, 08 Nov 2023 16:05:50 +0000

Reply to What is a charged off account on a credit card

When a person fails to pay a credit card for multiple months (generally 4, but it varies), the card issuer may choose to “charge off” the debt. This means that they consider the debt to be uncollectible and take a tax write off. As far as the credit report, the card will no longer be shown with new lates (all previous lates stay), but will…

Amber replied to the discussion Credit Disputes During Mortgage Process in the forum FHA Loans

Wed, 08 Nov 2023 16:01:22 +0000

Reply to Credit Disputes During Mortgage Process

This is one reason it is so important for a client’s credit restoration service to work closely with the lender. In most all cases, before the final credit pull, we will make sure that all disputes are closed out and that the credit bureaus have been informed that the disputes are closed. This process can take up to 72 hours, but…

Amber posted a new activity comment

Mon, 06 Nov 2023 19:25:35 +0000

Hello! That sounds great! I can do around 4:15 CST if that works for both of you!

In reply to - Amber posted an update

Hello! We wanted to take a moment to introduce ourselves. Our names are Jwon and Amber Woodard. We are the owners of The Credit Couple. You may have seen us on other social […]

Amber posted a new activity comment

Mon, 06 Nov 2023 19:24:52 +0000

Nice to meet you, Felix! I look forward to speaking with you

In reply to - Amber posted an update

Hello! We wanted to take a moment to introduce ourselves. Our names are Jwon and Amber Woodard. We are the owners of The Credit Couple. You may have seen us on other social […]

Amber posted an update: Hello! We wanted to take a moment to introduce […]

Mon, 06 Nov 2023 18:16:40 +0000

Hello! We wanted to take a moment to introduce ourselves. Our names are Jwon and Amber Woodard. We are the owners of The Credit Couple. You may have seen us on other social media platforms, and if you haven’t, look us up! We are former teachers and have been in the credit industry since 2018. We absolutely love helping clients become…

Amber updated their profile

Mon, 06 Nov 2023 18:11:11 +0000

Amber and Nelson are now connected

Wed, 01 Nov 2023 18:03:58 +0000

Amber and Gustan Cho are now connected

Tue, 31 Oct 2023 22:13:07 +0000

Amber changed their profile photo

Tue, 31 Oct 2023 18:23:27 +0000

Amber became a registered member

Tue, 31 Oct 2023 18:19:43 +0000