Charviz Smith

People are saying these accounts are hitting their credit reports now...how will they affect the scores remain to be seen! 🤔🤷🏽‍♀️💯 What experts want you to know about BNPL and your credit reports

New comment Jun '25

Charviz Smith

1 like • May '25

It's true, I shared this back in March. https://investors.affirm.com/news-releases/news-release-details/affirm-expands-credit-reporting-experian-include-all-pay-over Apple Pay, Now Later reports to Experian also now.

Tobi Rosario

Oct '24 •

General Discussions

Leverage Family I need your Help!

𝐋𝐞𝐯𝐞𝐫𝐚𝐠𝐞 𝐅𝐚𝐦𝐢𝐥𝐲 𝐈 𝐧𝐞𝐞𝐝 𝐚 𝐡𝐮𝐠𝐞𝐞𝐞𝐞 𝐟𝐚𝐯𝐨𝐫. 𝐈 𝐠𝐞𝐭 𝐦𝐞𝐬𝐬𝐚𝐠𝐞𝐬 𝐥𝐢𝐤𝐞 𝐭𝐡𝐞𝐬𝐞 𝐚𝐥𝐥 𝐭𝐡𝐞 𝐭𝐢𝐦𝐞 just dont post about them , 𝐬𝐮𝐩𝐞𝐫 𝐠𝐫𝐚𝐭𝐞𝐟𝐮𝐥 𝐭𝐨 𝐩𝐫𝐨𝐯𝐢𝐝𝐞 𝐯𝐚𝐥𝐮𝐞 𝐭𝐨 𝐞𝐚𝐜𝐡 𝐚𝐧𝐝 𝐞𝐯𝐞𝐫𝐲 𝐨𝐧𝐞 𝐨𝐟 𝐲𝐨𝐮. 𝐈 𝐡𝐚𝐯𝐞 𝐠𝐨𝐭𝐭𝐞𝐧 𝐨𝐧 free 𝐜𝐚𝐥𝐥𝐬 , 𝐫𝐞𝐩𝐥𝐢𝐞𝐝 𝐢𝐧 𝐝𝐦𝐬 𝐚𝐧𝐝 𝐫𝐞𝐜𝐨𝐫𝐝𝐞𝐝 𝐲𝐨𝐮𝐭𝐮𝐛𝐞 𝐯𝐢𝐝𝐞𝐨𝐬 , 𝐚 𝐭𝐨𝐧 𝐨𝐟 𝐯𝐚𝐥𝐮𝐞 𝐚𝐧𝐝 𝐩𝐞𝐨𝐩𝐥𝐞 𝐡𝐚𝐯𝐞 𝐭𝐚𝐤𝐞𝐧 𝐭𝐡𝐞 𝐅𝐫𝐞𝐞 𝐢𝐧𝐟𝐨𝐫𝐦𝐚𝐭𝐢𝐨𝐧 𝐚𝐧𝐝 𝐡𝐚𝐯𝐞 𝐠𝐨𝐭𝐭𝐞𝐧 𝐠𝐫𝐞𝐚𝐭 𝐫𝐞𝐬𝐮𝐥𝐭𝐬 𝐨𝐫 𝐢𝐧𝐬𝐢𝐠𝐡𝐭𝐬 , 𝐠𝐞𝐦𝐬 , 𝐚𝐡𝐚 𝐦𝐨𝐦𝐞𝐧𝐭𝐬. 𝐈'𝐦 𝐚𝐬𝐤𝐢𝐧𝐠 𝐚𝐬 𝐚 𝐟𝐚𝐯𝐨𝐫 ,𝐢𝐟 𝐈 𝐡𝐚𝐯𝐞 𝐡𝐞𝐥𝐩𝐞𝐝 𝐲𝐨𝐮 𝐢𝐧 𝐚𝐧𝐲 𝐰𝐚𝐲, 𝐠𝐢𝐯𝐞𝐧 𝐲𝐨𝐮 𝐚 𝐧𝐞𝐰 𝐢𝐧𝐬𝐢𝐠𝐡𝐭, 𝐚 𝐠𝐞𝐦 𝐨𝐫 𝐚 𝐟𝐮𝐧𝐝𝐢𝐧𝐠 𝐬𝐞𝐪𝐮𝐞𝐧𝐜𝐞, 𝐚 𝐝𝐚𝐭𝐚 𝐩𝐨𝐢𝐧𝐭 𝐨𝐫 𝐚𝐧𝐲𝐭𝐡𝐢𝐧𝐠 𝐢𝐧 𝐭𝐡𝐚𝐭 𝐫𝐞𝐚𝐥𝐦 𝐢𝐟 𝐲𝐨𝐮 𝐜𝐨𝐮𝐥𝐝 𝐩𝐥𝐞𝐚𝐬𝐞 𝐢𝐧 𝐭𝐡𝐞 𝐜𝐨𝐦𝐦𝐞𝐧𝐭𝐬 . 𝐓𝐞𝐥𝐥 𝐦𝐞 𝐡𝐨𝐰 𝐈 𝐡𝐞𝐥𝐩𝐞𝐝 𝐲𝐨𝐮 𝐨𝐮𝐭 𝐢𝐧 𝐚𝐧𝐲 𝐰𝐚𝐲 𝐚𝐧𝐝 𝐢𝐟 𝐩𝐨𝐬𝐬𝐢𝐛𝐥𝐞 𝐠𝐢𝐯𝐞 𝐦𝐞 𝐬𝐨𝐦𝐞 𝐚𝐩𝐩𝐫𝐨𝐯𝐚𝐥𝐬 𝐥𝐨𝐥. 𝐀𝐧𝐲𝐭𝐡𝐢𝐧𝐠 𝐢𝐬 𝐦𝐮𝐜𝐡 𝐚𝐩𝐩𝐫𝐞𝐜𝐢𝐚𝐭𝐞𝐝. If I haven't helped you with Free information that just means you haven't watched enough or havent been listening 👇 Put how I helped you in the comments 👇👇👇👇👇👇👇

New comment May '25

Charviz Smith

1 like • May '25

@Arthur Koster For Wells Fargo?

Charviz Smith

0 likes • May '25

@Arthur Koster thats correct Brother.

Arthur Koster

May '25 •

Business Credit

US Bank DOES still have 0% Business Cards for 18 Billing Cycles

I looked online everywhere in their public links and it said only 12 months for their Biz Platinum. A cople of other funders confirmed this. However, it appears Bank Reps have access to an 18 MONTH version of the 0% Intro offer for Biz Platinum. Supposedly Elan backed cards do too but I haven't found any. Happy funding peoples!

New comment May '25

Charviz Smith

2 likes • May '25

I cosign this. Just pulled a 25k 0% @ 18 months card last week using a BRM. Online, they are strictly 0% @ 12 months.

Charviz Smith

1 like • May '25

@Arthur Koster I've had a checking account with them for about a year but after speaking with my BRM a checking account wasn't needed. Definitely not no docs. I had to submit latest tax return on the biz and personal side. They didn't pull my bizz credit but hit me on the Equifax side on the CC and Transunion on the BLOC side. They also can pull your 4506 if they decide to.

Tyler Martin

Mar '25 •

Personal Credit

Debt

Any information on debt relief and how it may impact your credit worthiness in the future and how long? Thanks

New comment May '25

Charviz Smith

1 like • Mar '25

@Tyler Martin Debt relief can is a blessing for some but it can also destroy your credit for many years. As Banetta said, DYR first. I'd start by calling your banks, and speaking with then first, versus going with a company whom will simply tell you to stop paying, wait until it hit collections, and then they take over, beat you over the head for 30% while your credit is wrecked.

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Charviz Smith

@charviz-smith-8652

Learning the Game so I can play the game. Army Combat Veteran* Family Man* Small Business Owner* Government Contracting* Each One, Teach one*

Active 2h ago

Joined Jul 4, 2024

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