Welcome to Blessings Over Bondage Coaching & Consulting Organization Family. We appreciate and thank you for choosing us to serve and assist you with optimizing your financial matters, budgeting and credit repair support. It is our goal to provide excellent services and to use our expertise to give you the best outcome in addressing your concerns. We have a few steps to take before we can get started. Please check your email and review and sign any documents that come from our team. Complete our client information section, upload identifying documents to provide proof of who you are, obtain your credit monitoring information,and provide your payment information.
To get started, you will need to read and follow the instructions below.
Budgeting and credit repair are essential components of financial health. Here are some key points and steps for each:
Budgeting
Track Your Income and Expenses:
Record all sources of income.
Track all expenses, categorizing them (e.g., housing, utilities, food, transportation).
Create a Budget Plan:
Use the 50/30/20 rule as a guideline:
50% for needs (rent, groceries, utilities).
30% for wants (entertainment, dining out).
20% for savings and debt repayment.
Adjust percentages based on your financial goals and situation.
Set Financial Goals:
Short-term goals (saving for a vacation, reducing debt).
Long-term goals (retirement, buying a house).
Use Budgeting Tools:
Spreadsheets (Excel, Google Sheets).
Budgeting apps (Mint, YNAB).
Review and Adjust Regularly:
Review your budget monthly.
Adjust categories and goals as needed.
Credit Repair
Check Your Credit Report:
Obtain a free credit report from annualcreditreport.com.
Review it for errors or inaccuracies.
Dispute Errors:
Dispute any incorrect information with the credit bureau.
Provide documentation to support your dispute.
Pay Your Bills on Time:
Set up automatic payments or reminders.
Prioritize timely payments as they significantly impact your credit score.
Reduce Debt:
Focus on paying down high-interest debt first.
Consider debt consolidation if applicable.
Limit New Credit Inquiries:
Avoid applying for new credit frequently.
Hard inquiries can temporarily lower your credit score.
Use Credit Responsibly:
Keep credit card balances low.
Aim to use less than 30% of your credit limit.
Seek Professional Help if Needed:
Consider credit counseling from a reputable organization.
Avoid scams and organizations that promise quick fixes.
To best serve you, we need a current, up to date copy of your tri-merge (All three Credit Bureaus - Equifax, Experian, and TransUnion - side-by-side) credit report. To make the process quickest and most efficient, a digital copy is best. What do I need to do? BOBCCORG has an exclusive relationship with several monitoring services you use) For $1, you get a seven (7) day trial where you get access to your tri-merge (Equifax, Experian, TransUnion) credit reports and scores. Not to worry, this is a soft credit pull and does no damage to your credit scores. It is important that you use our link. If you go directly to the IdentityIQ website, you will not be given the exclusive perks and features Your Credit Repair Company offers you. To Get A Copy of Your Credit Report.
Once you've set up your account we can either log in and pull over the digital reports ourselves, or you can send us a Downloaded Version as well as a PDF copy. We do not see any sensitive personal or payment information. If you have any questions about this process or need clarification, please do not hesitate to contact us.
1st Step: Client Agreement:
On this page, you will find our credit services client agreement. This is a requirement for all clients for us to be in compliance and you understand exactly what we are offering. Once signed our staff will get to work on your case. Please review it carefully and once you are comfortable, sign it and click the “next” button to go to the next page.
2nd Step: Client Information:
To effectively serve you in optimizing your credit score, we often have to send correspondences on your behalf to credit bureaus and furnishers. To successfully perform these tasks, and to communicate with you effectively, we need your personal information. e.g Your full name, date of birth, social security number, full address, best phone number, and email address. Please complete this page in its entirety for speedy results when we start the dispute process. After submitting your information, you can click on the “next” button to go to the ‘upload documents’ page.
3rd Step: Payment Information:
In order to start the credit restoration process by building a credit analysis and preparing your first dispute rounds, we first need to obtain your payment information. Currently, we are processing all payments through Electronic Checks (ACH). If you want to use a credit card, please contact our office for further instructions. Complete this page and then click on the “next” button to complete the client auto signup process.
4th Step: Credit Monitoring Services:
In order to determine what is affecting your credit scores, we need to obtain a copy of your credit reports and credit scores for all three bureaus. We are able to import these reports and scores directly from certain monitoring services e.g. Smart Credit and Identity IQ to speed up the process. With a monitoring service, we and you will be able to track the progress of our effort to improve your scores. You can select the credit monitoring companies’ we support websites to select the one that fits your budget. Once you signup for the service, you will enter your username, password, security word and we will be able to import information into our system. If you already have your credit reports, please reach out to our office and will provide the necessary information to get that information to our processing department.
5th Step: Upload Proof of Identification:
The next step is to upload a copy of your social security card, ID documentation and proof of address—preferably a recent utility bill. Please note that we secure this information. Why do we need this information? The credit bureaus have to establish your identity and will not move forward unless they are able to identify that you are who they say you are. If any of these documents are not available, proceed to the next screen, but ensure that you send the document(s) to us as soon as possible. After submitting them, click on the “next” button to move to the ‘credit monitoring’ screen.
Finalize:
Once you complete all steps, your information will be sent to our processing team to begin the credit score optimization process. If you skipped any section during the online process, please contact our office so we can gather the documents or information needed, to avoid any delay in the process.
Thank you, Blessings Over Bondage Coaching & Consulting Organization Team