Sunflower Bank, N.A.’s Post

https://lnkd.in/g6xMNNMs "As an industry, we are hung up on the idea that being secured lenders gives us protection on our collateral. As factors, what does that even mean? The age-old question is; Are we lenders or purchasers?" Read more in our latest blog post, "A False Sense of Security" #businesssuccess #business #Security

When you have student loans, it can be difficult to know how to effectively manage those debts. Together, we can determine how to efficiently pay down your balance while still pursuing your other financial goals.

**COMMON SENSE PERSPECTIVE FROM A REAL EXPERT** Kevin O'Leary (aka 'Mr. Wonderful') from the very popular Shark Tank program, gave a very insightful perspective on the prosecution of Donald Trump. In this CNN interview, he pointed out that all of Trump’s loans were paid back and then said, “If you’re gonna sue this case and win, you gotta sue every real estate developer everywhere. This is all they do. This is what they do all day long, every day.” What Kevin says here is 100% true. https://lnkd.in/gePSz6Aj HERE IS MY POINT. if you own or have substantial stock in, or serve on the board of any kind of business, large or small, and have ever provided financials to a lender in order to get a loan or business line of credit - be prepared to experience exactly the same things that have happened to Mr. Trump. And if you work for or with any kind of business that has done this - your job and/or business are just as liable as Mr. Trump. Be careful what you believe and ask for, because the practical implications may be up close and personal for YOU. I hope you'll pass this along, my friends.

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Credit repair can be a complex and time-consuming process. While many people can handle credit repair on their own, there are situations where consulting a credit repair professional may be beneficial. Here are some scenarios where seeking professional help might be the right choice: Check the comment section for more info⬇️📌 1. Complex Credit Issues: - Multiple Errors: If your credit report contains multiple errors or inaccuracies that are difficult to resolve, a professional can help navigate the dispute process more effectively. - Legal Issues: Situations involving identity theft, fraud, or legal issues related to debt can benefit from professional expertise. 2. Lack of Time or Expertise: - Busy Schedule: If you have a busy schedule and cannot dedicate the necessary time to monitor and dispute items on your credit report, a credit repair professional can handle these tasks for you. - Expert Knowledge: Professionals have a deep understanding of credit laws, including the Fair Credit Reporting Act (FCRA), and can use this knowledge to your advantage. 3. Persistent Credit Problems: - Stubborn Negative Items: If you have negative items on your credit report that are difficult to remove, such as charge-offs, collections, or late payments, a professional might have more success in negotiating their removal. - Credit Score Improvement: If you have tried to improve your credit score on your own without success, a professional can provide strategies and interventions to help boost your score. 4. Preparation for Major Financial Decisions: - Home Purchase: If you are preparing to buy a home and need to improve your credit score quickly to qualify for a mortgage or get a better interest rate, professional help can expedite the process. - Loan Applications: Similarly, if you are planning to apply for an auto loan, personal loan, or any other significant credit product, improving your credit score with professional help can be beneficial. 5. Peace of Mind: - Stress Reduction: Dealing with credit issues can be stressful. Hiring a professional can provide peace of mind, knowing that an expert is handling your credit repair process. - Ongoing Support: Many credit repair services offer ongoing support and monitoring, helping you maintain good credit health over time. Consulting a credit repair professional can be a wise decision in situations involving complex credit issues, lack of time or expertise, persistent credit problems, preparation for major financial decisions, or the need for peace of mind. By choosing a reputable professional, you can improve your credit health and achieve your financial goals more efficiently. Contact tappbuildingsolutions.com to help assist you.

Credit Saint LLC has three plan options to help you restore your credit based on your needs.

https://lnkd.in/ggGwN-xD 🔍 Keep your business credit score in top shape with these tips via BILL: 🕵️♂️ Monitor & catch fraud early 📄 Dispute errors swiftly 🚫 Separate biz & personal credit ⏰ Pay early, always 💳 Manage credit card use wisely

https://lnkd.in/gjuX-D4c 🔍 Keep your business credit score in top shape with these tips via BILL: 🕵️♂️ Monitor & catch fraud early 📄 Dispute errors swiftly 🚫 Separate biz & personal credit ⏰ Pay early, always 💳 Manage credit card use wisely

The truth broken down about credit READ EVERYTHING BELOW 👇🏽 🙋🏽♀️Credit repair isn't magic. You can be in any credit repair program for a year or longer if you have really bad credit. 🙋🏽♀️You can't miss payments while you trying to repair your credit. It is harder if not impossible to remove RECENT repeatedly late payments! 🙋🏽♀️Don't apply for new credit while your credit is being worked on. You could get your credit dispute cancelled. 🙋🏽♀️Keep your credit card balances low (less than 30%, but best 10% or lower). ex $300 credit limit, don't spend no more than $90 off the card but for best result $30. but if you must spend more than that, call the company and find out when your reporting date is and make sure you pay your card down 5 days prior and don't spend again until 5 days after reporting date. with this method you can spend as much as you want as long as you don't owe that much when it is reported. 🙋🏽♀️If your credit file is thin and you don't have a great credit mix, get a secured credit card. 🙋🏽♀️If you get new collections added, it will take longer. Credit repair companies are not required to dispute your new added negative items but some will just to be nice. We use to we will NO LONGER DO THAT. Additional collections means Additional fees!!!! 🙋🏽♀️Have patience. Your credit didn't get bad overnight NOT will it be repaired overnight. 🙋🏽♀️Get credit monitoring so that you can keep an eye on your credit and be notified immediately if any changes occur. https://lnkd.in/eCrGJ3cF 🙋🏽♀️When items get deleted off your credit, it is possible for you to lose points because your negative item could have been an older account which caused you to receive points bc of the acct being on your file. This accts for 15% of your credit score. 35% is payment history, 30% amount owed, 10% credit mix and 10% new credit Now with that being said some people don't just have a credit issue they have a financial issue that resulted in bad credit, meaning they have more debt than money so try to spend wisely, save when you can and pay down debt. I pray this helps you with your journey! Visit tappbuildingsolutions.com for resources and support with journey. Thank you

 https://lnkd.in/eZs_zSPX Do you or your clients need to start rebuilding their credit file? Reached an age and it's time to finally build credit for your future? Building credit takes time and I would highly encourage you to have your clients start building positive, primary tradelines as soon as you begin working with them. Otherwise, you could remove all the negative items from a client's credit report and they could suddenly have no credit score at all! Start the road to credit recovery! Click the link and find out more.  https://lnkd.in/eZs_zSPX