SOCIAL MEDIA

Wednesday, July 18, 2018

Raising Your Credit Score 150 Points In 7-14 Days



Hi my loves,

I want to start posting my videos for you all on here because I know some people like reading more than watching! To me that's SO shocking because I'm such a visual learner. So for those of you who love to read, get super excited for more posts on here.

Today let's talk about 5 tips I have if you're looking to pay off your debt and get finances in order. It's super sad but no one ever told me about credit and how it works. It's an insanely big part of our lives yet I was so reckless and careless in thinking I could fix it over night and that's not the case. So I want to help each and every one of you along the way!

5 TIPS TO RAISE YOUR CREDIT SCORE 150 POINTS IN 7-14 DAYS

***DISCLAIMER***

THESE TIPS WORK FOR PEOPLE LOOKING TO REPAIR THEIR CREDIT AND CURRENTLY HAVE A POOR/LOW SCORE, THOSE LOOKING TO RAISE AN ALREADY GOOD OR ALMOST PERFECT SCORE HAVE TO FOLLOW A COMPLETELY DIFFERENT SET OF TIPS
1. Access your credit report from a credit bureau. This is crucial in getting an ACCURATE and TRUE representation of what your score is currently at. You can get one report from one of three bureaus free each year so I like to space out my 3 reports over every four months. I like to use www.freecreditreport.com.

2. Look through your report to find all of your derogatory marks and negative impacts on your score. This will be a guideline for where to begin.

3. Decide what and how to pay. Making a game plan and sticking to it is key. Look for those negative accounts and bring them to a good standing ASAP and make sure to look into your collections and the best way to getting them taken care of, whether by the original creditor or through the collection agency.

4. If possible find a family member or close friend who can add you as a user on one of their accounts. Keep in mind you want to make sure they are financially smart and make the best decisions possible. This way it will reflect on your credit as a positive account and bring your credit up almost instantly. Please keep in mind this is not co-signing and I would not recommend that for many reasons.

5. Pay down your card and credit utilization. You want to have as little as possible taken out on these accounts because you will be occurring interest like crazy and this is over 30% of your score. Keeping your balances low is one of the main ways to raise your score.


I hope these tips help and you start to see an increase! Definitely reach out to me and let me know what you think and if you have any other questions.

Take care and more posts coming soon!

XoXo, CiCi
Saturday, September 26, 2015

Δelta Zeta UNLV



Oh my goodness. I am beaming from ear to ear as I write this post. (Just thought you should know.)

I have always been obsessed with Greek Life and have wanted to rush a sorority for the past 3 years. This semester I decided to register and it was the BEST DECISION I've ever made. If you want to see my whole experience just watch this video.


I thought I would put together a blog post with all of the pictures I took over the course of this journey. I am so OBSESSED with everything and I am so happy to say I found my place in Delta Zeta, we're pretty AMΔZING. I knew from day one that is where I could see myself and I cannot believe everything came to fruition. God is absolutely amazing and I know for a fact without Him I would not have made it through this process.








After the first day I came home and took a photo with my beautiful sister. She was so excited to ask me about my day and how the process went. 


This was my recruitment group on the last day! Preference Night! My amazing RhoGams, Madi and Chelsea were so sweet and helpful throughout this whole process. ♥


On the final day, BID DAY!!!! I had to sit on this envelope for about 45 minutes before I could open it and see my forever home! (Sounds like I'm an animal at the shelter hahah.)


Waiting on our bids in our group. I'm so lucky to say that these girls are lifelong friends. 


The moment of truth, I think I blacked out honestly.


Group 2 holding their bids from the 7 different chapters! 


I met Taylor in my recruitment group and we ended up being SISTERS!  


I've known Bianca since high school and she is now my sister also!!! 


It's like they knew me already. WATERMELON! 


This beautiful girl pref'ed me and words cannot describe how much I LOVE HER!


The bid party theme was "bidchella" or "coachella." Can you say AMAZING?






First gift from one of my sisters. Life Update: It is not officially hanging on my wall. 


Rocking my bid day shirt for the 6th time this week. 


KAYLA! My beautiful DZ sister. It started out as a joke, "wouldn't that be funny if at the end of recruitment I was a Delta Zeta and we would be sisters?" THEN IT HAPPENED. I cannot even right now. I'm so odd I can't even. 


I am so in love with everything and I cannot wait to take more pictures and make more memories.