Diamond Virtual Solutions

This is what’s needed to build up your credit scores.

Credit scores ranges from 300-850, you have TOTAL control of 550 points.

You definitely need 2 cc, (cap one, open sky) short term loan (credit strong, self) . Pay on time before time. Especially with cc 2 days before statement/ closing date,pay down under 10% and remaining by due date. Payment history is 35%, utilization is 30% of a credit score.

Build a relationship with a local credit union or navy 3-6 months. If you need a vehicle go through the credit union for financing of car loan, cc, personal loan. Since they will pull your credit anyway make it worth while 😉 then close the open sky card.

Also work on cleaning up the collections and other dregatory items that maybe reporting. A lot of times just because of low scores doesn’t necessarily mean you have bad credit, it just needs building. By using the mentioned methods many will hit 700s within 6-12 months.

Number one ☝️ reason why people have low scores is because they’re not budgeting.

20% of your income to pay yourself first.
30% flexible expenses ( clubbing, smoking)
50% fixed expenses (rent, car note, utilities)

If you’re outside these percentages your living above your means.

If you need help comment me.
I have dispute letters and digital budgeting system (excel)

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Welcome to ShopDvstoday.com - Budget & Build Credit CREDIT, BUDGET, DIGITAL PRODUCT, EXCEL BUDGET

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How are you budgeting your money? Are you budgeting with the 50/30/20 rule?

Check out www.dvstoday.com
For digital planner, excel budget spreadsheet and savings challenges.

DIAMOND VIRTUAL SOLUTIONS – Budget & Build Credit Diamond Virtual Solutions is a Financial Literacy Service where we educate and offer 1:1 coaching services to help individuals budget and build credit. We help you to understand that learning to respect money is key, most importantly the power of credit which can be very rewarding.