I’ve been disputing for years and I’m an identity theft victim. I’ve been looking for how to remove some medical debt in collections that are under $ 600 that is still on my credit report. The accounts were removed on my trans-union report, but still appear on my Experian report. I saw an ad about a company called 'credit synod’ and I decided to seek help from them and for a year plus now everything has been cleared up and my scores are hitting the roof, they give loans too. It’s just a bit sad that not too many folks know about this people, they' re really good!
I love you so much my sister for sharing such information to the nation i mean you don't have to but here you are helping 100 of thousands people to actually do better for themselves may God continue to bless you 🙏❤
As an 18 year old, i would like to give out a moment of gratitude for Sis Nicolette knowledge.There still a long to go from here ❤and Thank you thank you thank you
I love you ❤❤❤ SO MUCH you and Phumelele Ndumo are so lovely! You're smart and pouring and imparting all this knowledge to millions of people that don't know
Hi Nicolette, Do you think its a good idea to refinancing my first home loan (9.5% interest) to receive a lower interest rate and monthly payment? My credit score is now better, i have a second home loan (5.6% interest) & a credit card, all accounts are in good order
Why not if it means you will pay less per month and overall? The prime is at 11,75% so you would need to be a banking employee or a really good client to get such rates. Well done
the whole idea of credit scores is dumb dou in oder for the bank to borrow you money for a loan you have to have a a good credit score, in order to have a good credit score you constantly need to be buying things on credit, constantly having a debt bubble hanging over you
Hello Nicolette. How much do you charge per session? I’m planning to put an offer for a one bedroom apartment that’s 659 000 and I want to place 570 000. I have a very minimal deposit that would like be less than 15k. I wonder if they’ll accept my offer. Should they say yes, then I can go to the banks and ask for 110% to allow me to pay lawyer fees … would love your advice and thoughts
Hi sisi I love your videos I have a question, I have 2 accounts (clothing) no longer using them anymore paid off but am thinking of closing them, however, I wonder how will that affect my credit score? Positively or negatively?
Positive : in a sense that you don't pay service fees for accounts you not using . because even though you are not using the accounts you are still liable to pay the service fees or fees related to that accounts Negative : in a sense that you will have no active credit and that would means you will be given very high interest rates when applying for credit because there is no trail of you having active credit behavior ( monthly payments )
@@jonathannomganga3879 thank you so much I do have other 2 active accounts and planning to get a car soon so am avoiding anything that's gonna hinder my credit score so far according to clear score it's good
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So much insight in just under 30 minutes, you are a legend Financial Bunny. Thank you for this value-add in our lives
You’re honestly doing the Lord’s work
Thank you
I’ve been disputing for years and I’m an identity theft victim. I’ve been looking for how to remove some medical debt in collections that are under $ 600 that is still on my credit report. The accounts were removed on my trans-union report, but still appear on my Experian report. I saw an ad about a company called 'credit synod’ and I decided to seek help from them and for a year plus now everything has been cleared up and my scores are hitting the roof, they give loans too. It’s just a bit sad that not too many folks know about this people, they' re really good!
I love you so much my sister for sharing such information to the nation i mean you don't have to but here you are helping 100 of thousands people to actually do better for themselves may God continue to bless you 🙏❤
I appreciate that. May you be blessed too
As an 18 year old, i would like to give out a moment of gratitude for Sis Nicolette knowledge.There still a long to go from here ❤and Thank you thank you thank you
I love you ❤❤❤ SO MUCH you and Phumelele Ndumo are so lovely! You're smart and pouring and imparting all this knowledge to millions of people that don't know
Is it true that if you if you miss a payment and then you manage to pay within 30 days after your due date your credit score will not be affected?
I blew that kiss right back. 😊 Thanks, Nicki.
Hi Nicolette, Do you think its a good idea to refinancing my first home loan (9.5% interest) to receive a lower interest rate and monthly payment? My credit score is now better, i have a second home loan (5.6% interest) & a credit card, all accounts are in good order
Why not if it means you will pay less per month and overall? The prime is at 11,75% so you would need to be a banking employee or a really good client to get such rates. Well done
the whole idea of credit scores is dumb dou in oder for the bank to borrow you money for a loan you have to have a a good credit score, in order to have a good credit score you constantly need to be buying things on credit, constantly having a debt bubble hanging over you
My favourite RUclipsr ❤
This is so kind. thank you
You're a God sent
Hello Nicolette. How much do you charge per session? I’m planning to put an offer for a one bedroom apartment that’s 659 000 and I want to place 570 000. I have a very minimal deposit that would like be less than 15k.
I wonder if they’ll accept my offer. Should they say yes, then I can go to the banks and ask for 110% to allow me to pay lawyer fees … would love your advice and thoughts
I charge R500 per session which is an hour. I then give you my number for whatsapp check in's
Could I also I have your number ma'am 🙏
@@FinancialBunny I am happy to pay for this. Please let me know how I can get in touch 🙏🏿.
Hi sisi I love your videos I have a question, I have 2 accounts (clothing) no longer using them anymore paid off but am thinking of closing them, however, I wonder how will that affect my credit score? Positively or negatively?
Positive : in a sense that you don't pay service fees for accounts you not using . because even though you are not using the accounts you are still liable to pay the service fees or fees related to that accounts
Negative : in a sense that you will have no active credit and that would means you will be given very high interest rates when applying for credit because there is no trail of you having active credit behavior ( monthly payments )
@@jonathannomganga3879 thank you so much
I do have other 2 active accounts and planning to get a car soon so am avoiding anything that's gonna hinder my credit score so far according to clear score it's good
If you have other older open accounts that should be fine, if not it's good to keep them. Have old well managed accounts contributes positively
Can you please make a video on how to invest as a varsity student, both passive and active forms
This video is informative
Blessings💯🙏
So sad about the interest hike😭
Listen we are holding our breath for it to come down