Mission Statement
Our mission is to empower individuals and families to take control of their finances by providing accessible, comprehensive, and actionable financial education. We strive to educate and inspire our clients to make informed decisions, reach their financial goals, and build a secure financial future.
Our Services
Credit Education
Credit Report Analysis
Debt ManagementCredit Education Services
Having a strong credit education is important since your credit can impact many aspects of your life. That's because getting many of the things you want - be it a new home, apartment, car, college education or even basic life needs - often requires some degree of credit.
- We will help you understand the factors the impact your Credit Score.
- We will help build a plan to help you stay on top of your Credit.
- We will be there hold you accountable and guide you through the process.
Credit Report Analysis
Reviewing credit reports to identify and resolve errors, and help clients understand their credit history and how it affects their overall financial situation.
- We will help you understand the factors the impact your Credit Score.
- We will help build a plan to help you stay on top of your Credit.
- We will be there hold you accountable and guide you through the process.
Debt Management
Assisting clients in creating a plan to repay debt, reduce interest payments, and manage their credit effectively. This may include negotiating with creditors, creating a debt repayment plan, and providing education on responsible use of credit.
- We will help you develop a debt repayment plan.
- We will negotiate with creditors on your behalf.
- We will help you create a budget
What We Do..
Our credit education company is dedicated to helping individuals and families understand their credit and make informed decisions about their financial future. We believe that everyone should have access to the knowledge and resources needed to improve their credit scores, manage debt, and secure their financial stability.
Our team of experts provides personalized support, including credit report analysis, debt management planning, and credit score improvement strategies, to help clients take control of their credit and reach their financial goals.
Whether you're looking to buy a home, start a business, or simply achieve financial freedom, our credit education services are here to support you.
Get Your FREE Credit Building Guide Today!
Are you ready to take charge of your financial future and build the credit score you deserve? Look no further!
Simply fill out the form below, and your guide will be on its way to your inbox.
The Benefits of Great Credit!
Get Approved for Higher Credit Limits
Good credit may help you qualify for lower interest on credit cards. It may also help you get a higher credit limit on credit cards.
Have More Housing Options
Where you live can have a big impact on your quality of life, right? Good credit can help in this instance too. That’s because landlords may check your credit history when you apply to rent an apartment.
Look Better to Potential Employers
When you apply for a job, some companies may look at your credit reports as part of a background check. Employers might see things like late payments and bankruptcies as possible red flags.
FAQs
A credit score is a three-digit number, typically between 300 and 850, which is designed to represent your credit risk, or the likelihood you will pay your bills on time.
The main factors involved in calculating a credit score are:
- The number of accounts you have
- The types of accounts you have
- Your used credit vs. your available credit
- The length of your credit history
- Your payment history
- Payment history: 35%
- Used credit vs. available credit: 30%
- Type of credit used: 15%
- New credit: 10-12%
- Length of credit history: 5-7% –
Credit card companies, mortgage lenders, and insurance companies pull credit scores to use as one of the factors to determine your creditworthiness or credit risk.
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Our Client Reviews
“My experience with Loyalty Lux Credit has been amazing from beginning to end. CeCe has been efficient and kind. More importantly, I was always impressed with her professionalism.”
“I was referred to Loyalty Lux Credit through my employer, who is a Correspondent Mortgage Lender that refers this company to its clients with credit issues. My credit was in bad shape.”
“I have been a mortgage professional for 20 years and I was very pleased with the quick results that my client obtained while working with Loyalty Lux Credit. CeCe is truly knowledgeable.”
