Walker Insulation LLC

Heyyy y'all.. This is your friendly reminder to PAY THEM PEOPLE!!!

I know this isn't typically a convo that you want to have.. especially on a Monday morning, BUT.. COME HERE...

Having high credit card utilization is the gateway to lower scores, late payments, decreased credit limits, closure of accounts and the worst of them all.. a future charge off.

How long do you plan to only pay the minimum payment? Chances are, you're barely paying any of the card's principle balance.

If you don't have a lump sum, see what options may be available such as:

* Asking your credit card company to "re-rate" your interest. This could result in a much lower interest rate which will help you pay it off faster.

* See if you have another credit card to transfer the balance to. Balance transfers usually have great incentives like 0-2% APR for 12-24 months, which helps you get a break on the interest and pay the account off. (Business credit is definitely the way to go if it's an option)

*Try the "Snowball Method"-start with your lowest credit card, cut it up to prevent new charges and work on paying it off within a certain time by making aggressive monthly payments. Once that account is paid, go to the next account.

*Consolidation Loan- Pay all cards off with a loan. This boost scores, lowers utilization and gives you ONE payment as opposed to several. You'll save money in interest.. but be careful not to rack up new credit card debt.

*Get a large tradeline to lower your overall utilization until you can pay your accounts down.

We have a ton of them so give us a call. 1(888)315-5513

Need a consultation? Book now: https://www.thatcreditchic.com/book-online

Y’all know I love putting y’all on… so business owners LISTEN UP!!

This is a great business card. Your personal Experian score needs to be around a 640 minimum.

🚨WHY I LOVE CAPITAL ONTAP🚨

1. Soft inquiry so it doesn’t impact your personal credit score

2. You can carry a balance for up to 10 months (10% of balance is your monthly payment)

3. Up to 2% unlimited cash back

4. Credit lines anywhere from 1k to 50k (the average is around 20k to 30k though depending on your situation)

5. Get up to 20 cards for your employees

6. Redeem rewards pretty easily

7. Set up spend limits (incredibly useful if you have employees and you want to limit their spending)

*Use my referral link to apply. If approved, you’ll get $100 statement credit, and so will I !!

https://account.us.capitalontap.com/apps/apply/?promo=2REFUSM179L67



Schedule your business consultation at: https://www.thatcreditchic.com/book-online

What's scarier than having bad credit...?

Having bad credit and missing this SALE!! 👻

October Tradeline Specials
$20k AMEX $225
$23k AMEX $250
$40k AMEX $300

October Credit Repair Specials
📦 Package 1: $499.99
Includes:
🍂$6500 Tradeline
🍂Written
🍂Consultation
Repair

📦Package 2: $599.99
Includes:
🍂$40 AMEX
🍂Written & Virtual
Consultation
🍂Repair

BOOK NOW!! https://www.thatcreditchic.com/book-online

To purchase tradelines click link and submit your information: https://form.jotform.com/202786839455066

Our October sale is almost over... only 6 slots remaining and once it's gone, it's GONE!!

📦 Package 1: $499.99
Includes:
🍂$6500 Tradeline
🍂Written
🍂Consultation
Repair

📦Package 2: $599.99
Includes:
🍂$40 AMEX
🍂Written & Virtual
Consultation
🍂Repair

I have so many clients that have gotten in less than satisfactory deals with cars. Tips for purchasing:

*Go where you know a reputable salesman.
👍🏽King Gregory
👍🏽 Marcus Car Salesman Booker
👍🏽Sean Thompson

Are all recommendations from
me. If you're looking for a call get with one of them first.

*If you’re not paying cash, get your OWN financing done prior to going to the dealership.

*Start with your bank
credit union.

*ALWAYS ask about leasing a car. The notes will be cheaper and you can always opt in to purchase the vehicle. If you like yo switch cars every 2-3 years like me, this is a great option.

*Unless you want dozens of inquiries on your credit report, Do NOT authorize the dealership to shop your credit out to dozens of banks, authorize 2-3 banks if you must go this route.

*Make sure you research the pros/cons of the specific vehicle you want.

*Make sure the car will still keep MOST of its value when you drive off the lot.

*Ask for pre-paid maintenance.

*Request the dealer pull a NEW CARFAX in your presence.

*Prior to purchasing the car, be sure to take the vehicle to a second shop and get a pre-buyers inspection done. Usually no more than $150. A second shop will be honest about whether it's a good car or not.

*ALWAYS get GAP insurance

*Extended warranties are recommended ESPECIALLY if the car is near or out of the manufacturer's warranty. Make sure the extended warranty is "Bumper to Bumper"

*DO NOT purchase a car with rust damage, this will be a problem down the line

*Down payments are almost always unnecessary if your credit is good...of course if you want your car note to be below a certain amount, a down payment is warranted.

Everyone's situation is different but if you have a game plan, you should have a great car buying experience.

September Exclusive Offer! 💸💥
Get Your Credit Back on Track with Our Limited-Time Promotion! 📈✅
For only $399.99, Receive a 45-Day Repair Package, Virtual Consultation, and Detailed Written Plan! 💼📝

Don't Miss Out on this Opportunity to Boost Your Credit Score! ⚡🔝

Book NOW: https://www.thatcreditchic.com/book-online

"

I know I always talk about Navy Federal CU but another CU that I absolutely LOVE is NASA Federal Credit Union.

To become a member of NASA Federal Credit Union, you must meet eligibility requirements. Here are the general steps to join:

1. Employment or Association: You should be affiliated with one of the NASA-related organizations.

2. Join the American Consumer Council (ACC): If you do not qualify through employment. There's a one-time $8 membership fee.

You may have to provide documents like ID, or proof of residence and sometimes a deposit requirement is also necessary. They're business products are

Does anyone bank with them currently 🔥🔥🔥

Is your overall credit card utilization over 20%?

You need a tradeline to reduce it and I've got a crazy deal on my $40k AMEX.

This line will lower your utilization, boost your score!! Once your scores have increased you should be able to

*Apply for a similar account as the tradeline
*Apply for a credit limit increase on your current credit cards.
*Apply for a consolidation loan to pay off credit cards and have 1 low monthly payment.

For more information EMAIL: [email protected]

If you attended my business credit workshop... you know that I love my "no-doc" business loan banks.

What is a "no doc" business loan?!?

It's a type of loan where the borrower is not required to provide extensive documentation, such as tax returns or financial statements to verify their income or creditworthiness.

1. KEY BANK 🔥🔥🔥
2. TRUIST 🔥🔥🔥
3. PNC 🔥🔥🔥

When I owned a collection agency years ago, Capital One was my biggest client. They paid us well, but they treated their consumers so poorly...Hence the reason why I playfully nicknamed them "Crap One." 😂

One undeniable fact is that they are very forgiving. This is based on what I've seen in my many years in the credit industry. I've had clients get approved for this card right out of bankruptcy.

This credit card is pretty easy to get approved for.... even if you've had a charge-off and owe them money!!

Use my link to apply: 📣

https://i.capitalone.com/JwQiv7wJF

If you’re trying to save money on your energy bill in your home and possibly even get a credit from your energy provider you’ll definitely want to get on this right away.

1. Check The Insulation in Your Attic – And Install More If Needed.

Important: proper insulation keeps your home warmer in the winter but also cooler in the summer!

If you have an unfinished attic, pop your head up there and take a look around. You should see insulation up there between the beams, and there should be at least six inches of it everywhere (more if you live in the northern part of the United States).

If there’s inadequate insulation up there – or the insulation you have appears to be damaged – install new insulation. Here’s a great guide from the Department of Energy on attic insulation, including specifics on how much you should have depending on where you live. Many states offer financial incentives, up to a 75% refund for instance, to encourage homeowners to better insulate their homes. Please visit our website to get a free quote.

www.walkerinsulationllc.com