I created this 90 day credit challenge because I am currently working my way up to the 750 Credit Club and I wanted a squad to hold me accountable. So figured I’ll make it fun and hold EACH OTHER ACCOUNTABLE. These next 90 days are not going to be easy but will be more than worth it. I’m sharing what to do for the next 3 months AND ways to create extra income to pay off debt. Ok, let’s do this ;) 

During the challenge I will share everything that I've done to personally build and clean my own credit.

Some of the top tools I've used and love

The Top 3 Tools I’ve used to build and manage my credit. Self Inc. Capital One and Experian. I used Self to diversified my credit AND save money. Capitol One gave me my first credit builder credit card. And Experian allowed me to keep a close eye on my credit. I’m able to lock my credit to prevent fraud AND use the boost feature to raise my credit score. 

2 Systems I've Created and put in place

Here’s the thing, building credit is HARD and managing credit is even harder. So I’ve created 2 simple systems to help me stay on TOP of my credit. 

  1. LATE is not my thing. I have a 100% on-time payment history. ALL of my bills are on time every single month. 
  2. I DO NOT MAX OUT MY  CREDIT CARDS. I make sure there’s a small balance on each card but I never let my cards go over 15% usage.

How I properly budget myself

Budgeting is not sexy and it’s hard as hell. So most people don’t do it. BUT it’s extremely important when it comes to building and managing credit. Here’s what I do; I decide how much money I’m spending each month and I put ALL of my monthly expenses on my highest limit credit card and I make a payment on it 3x per month. That way I’m not looking at a big balance at the end of the month. I now do that with my personal expenses on my new Discover credit card and my business expenses on my Capital One Spark Business credit card. 

And how I make MONEY cleaning my credit.

And my FAVORITE part!! Did you know you can make MONEY while building your credit? Girlll, YES YOU CAN!! Here are 3 ways I personally make money;  Self Financial Affiliate program. Every time you help your family and friends build credit you get a CHECK in the mail from SELF. I also make $500 a year from EACH, Capital One, and Discover a new affiliate program AND I recently added to the lineup, CHIME. And with Chime we BOTH get $75 when signing up for Chime and signup for Direct Deposit. 

Ok, that's what I've done to build and maintain my CURRENT credit score. Now let's get into what I'm going to do to raise my score to 750. And you too can use it as a guide to improve your own credit score.

Within the next 3 months, I challenge you to set a goal for this challenge and raise your credit score. my goal is 50 points. Yes, I am challenging myself to raise my credit score to 50 points.

How to make

Extra Cash

EBOOK: First off, I am not going to tell you to get a 2nd job. But I am going to tell you to package what you are an expert in and sell it in an ebook/guide. This option won’t cost you much but you will need to promote the HECK out of it.   

REFERRALS: Most people don’t know this, but almost EVERYTHING you use offers a referral fee for sharing their products or services. For example, Capital One, Discover, Chime, Self Inc, ALL pay me a referral fee for sharing their services. So find out how much your favorite brands pay for spreading the word and spread the word. 

Rentals: Sis it’s time to do what most people won’t do. Get uncomfortable. If you have a nice car, rent it out on Turo, if you have an extra room rent it out on Airbnb or VRBO. 

Growth Stocks: And lastly, go ALL in on a GREAT growth stock that you know will be up within the next 3 months. My personal growth Stock is Tesla. 

I’m doing 3 out of those 4 options to pay off my car.

How to Earn Money with Affiliate Marketing

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