Quick Credit Rant!


When attempting to resolve credit problems, it is important to contact your alleged creditors and the credit reporting agencies (CRAs) in writing.


A lot of people try to fix their credit over the phone. THIS ALMOST NEVER HELPS AND SOMETIMES IT MAKES MATTERS WORSE! When writing to credit reporting agencies like Experian, Equifax and TransUnion you will get best results by using handwriting letters. Never use internet templates, where you have to fill in the blanks to resolve your credit issues. This is another strategy THAT ALMOST NEVER WORKS. NEVER use Experian, Equifax or TransUnion websites to initiate a dispute. By doing so you may be forfeiting certain rights for re-investigation of alleged verified debts.








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I have a copy of my credit report, now what?

Did you know that you are entitled to one free credit report each year from Equifax, Experian and TransUnion?


Yes you can get your free credit report online at!

Many people receive copies of their credit report and have no idea of what to do next. I suggest you start by identifying the negative accounts on your credit report. Any account that is reported as a negative/ derogatory/ adverse account should be removed from your credit report. Negative account statuses are:

  1. 30 days past due
  2. 60 days past due
  3. 90 days past due
  4. 120 days past due
  5. 150 days past due
  6. 180 days past due
  7. Not more than two payments past due
  8. Not more than three payments past due
  9. Not more than four payments past due
  10. More than 120 days past due
  11. Collections
  12. Foreclosure
  13. Repossession
  14. Legal Repossession
  15. Voluntary Repossession
  16. Repossession; Redeemed
  17. Voluntary Surrender
  18. Derogatory
  19. Adverse
  20. Bad Debt, placed for collection
  21. Charge Off
  24. Bankruptcy
  25. Judgment
  26. Lien

If any of these words appear on your credit report, text me at 646-894-7796 or call me at 866-241-3049 or use the contact form below.


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Don’t Be Late, Automate!

Your creditworthiness is determined by numerous factors. These factors account for a certain percentage of your credit score. PAYING YOUR BILLS ON TIME HOLD THE MOST WEIGHT! Let me explain:

  • Payment History 35%
  • Amount Owed 30%
  • Length Of Credit History 15%
  • Types Of Credit 10%
  • Inquiries (New Credit) 10%

TOTAL 100%



            This is 35% of your credit score. Simply put: Do you pay your bills on time?

Credit reporting Agencies, CRAs, determine the percentage of time you pay your bills ON TIME. That is why late payments are so damaging to credit scores. In fact, late payments, not collections, are the number one reason for low credit scores.


If a bill is due on the fifth of the month, try to pay it by the first so that you will not forget. A better way to go is to AUTOMATE your payments. Set up automatic payments for all of your credit cards on one SPECIFIC day, if possible. Call each credit card (bank, credit union, etc. Look on the back of the card for the number) and Say, “I want to set up automatic payments on the 1st, 15th, 30th (choose a date you are comfortable with). Also can I change my payment due date to this date so that my payments will always be on time?” Before that CREDIT CARD PAY DAY approaches make sure you have enough money in the account to pay at least the minimum due on the card. Pay the minimum due on the card each month ON TIME every month.


ALWAYS, ALWAYS PAY YOUR BILLS ON TIME! Payment History holds the most weight when it comes to calculating your credit score.


For more Credit Education, contact @ms750fico on Instagram or text 646-894-7796 or call 866-241-3049 or email


Turn Up at the Bank


Turn your bank accounts all the way up!


There are five steps to building WEALTH:

1- Increase Your Income

2- Decrease Your Taxes

3- Minimize Your Expenses

4- Improve Your Credit



Get more info on how to build wealth WITHOUT working more hours! @bettercreditboutique and @agoodchoicerealestate we suggest you invest in real estate but it’s your money invest it however you like!!



Yours In Success,


@ms750fico, MA

Certified FICO Pro

Better Credit Boutique, LLC




Dads do you have good credit?


Good credit can help to secure your child’s future. Here’s how:

  • You can use your good credit to buy a home. Real estate is a great way to build generational wealth. Passing down a house can help take care of your kid’s kids.
  • You can get better interest rates on credit cards with good credit. That way you will save more money by spending less on interest. Look for credit cards with interest rates under 19%.
  • You can get much better car deals with good credit. When you have bad credit, you wont qualify for a car loan. And if you do, it will have a high interest rate and monthly payment attached. Lower monthly bills = more money for your children.
  • You can start up your own business and take on business loans when you have good credit. Business credit is secured based on the individuals credit.
  • You can pay for good schools if you have good credit.


All good men want to secure their kids future. If your baby asked, “Daddy whats your credit score?” Would you proudly answer?

At the Better Credit Boutique we help people improve their credit through credit education courses. All of the courses are taught one on one over the phone, online and even via text messages. Text a Certified FICO Pro at 646-894-7796 to get started




Your In Success




Fix your credit for what?



We all know how to get excited and celebrate, essentially “Turn up.” I am suggesting we turn down and build up a positive credit history with the money we save on overpriced drinks. As of January 2014, current data asserts that Americans are $856.9 billion in debt via credit cards alone. This translates to some pretty low credit scores and credit reports with a lot of negative information. Many federal regulations exist to protect the American public from errors on their credit report. However, most Americans are unaware of the laws thereby allowing the credit reporting agencies (CRAs) to have control over their credit history and their financial future. We encourage everyone to take control of their finances by using the law and being proactive.

What can Americans do to improve their financial standing? Who has the time?  At the Better Credit Boutique, we put in the time and help our clients improve their credit. Using Federal laws such as the Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA), Consumer Credit Protection Act, Credit Card Act, Fair Debt Collection Practices Act (FDCPA) as well as our tried and proven effective methods we can improve the credit scores of our clients.

Does this cost a lot of money? Our services are currently value priced from $299-$2499. We differ from our competitors in that instead of charging a few thousand upfront as well as a percentage price and/or a monthly rate we have a FLAT FEE for service. Our pricing model is geared toward people with marginal incomes. Our ultimate goal is to help repair credit for those looking to become first time home buyers, real estate investors and entrepreneurs.


Turn Down and Get Your Credit Right!




Contact @ms750fico

Anytime on Instagram and Twitter

Text your credit questions to 646-894-7796

Schedule your FREE consultation at 866-241-3049

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Better Credit is in Your Reach.

Go From Bad Credit to Good Credit

Do you have bad credit? Have you been paying your bills late or not at all? Are you behind on your car payments, student loans or mortgage? How good is your credit right now?


In order to find out, you have to get your credit report from a credible source (we recommend You have to see which accounts are reporting negatively about you before you can fix your credit.


Your next move is to dispute the negative accounts. @bettercreditboutique we used tried and true methods learned by Certified FICO Pro and Educator @ms750fico to remove bad credit.


MOST IMPORTANTLY start paying all of your good credit accounts on time.


FINALLY open new lines of credit. Having a good mix of different types of credit improves your credit scores. Start by opening a secured loan at your local bank.


Want your credit score to go from a 450 to a 700? It is possible! For more information on turning bad credit into good credit contact @ms750fico via text 646-894-7796 or email her at or visit or call 866-241-3049



First stop Brownsville June 1st, 2014 3-5pm

330 Dumont Ave Apt 11C

Brooklyn, NY 11212

Visit for more details


Yours in Success,



Certified FICO PRO, MA