Remember the Vital Components

vital componenst 2

Discipline. Dedication. Commitment. The image above is a visual reminder of how to realise your successful financial journey. Notice how the three runners are working, both, in unison and in unity. Each runner, each component, is important to your success. Consider them as running a marathon for your financial freedom. They are running for you! You cannot have discipline and dedication, but not be committed. You cannot be dedicated, but lack the discipline., and so on. All components work hand in hand. All components work together. If you use them faithfully, they will serve your financial needs abundantly, and they will get you across the financial finish line that you’re envisioning.

As your credit rehabilitation journey continues, you must keep the three vital components running at a steady pace so that you don’t lose focus. We have all heard it said, slow and steady wins the race. Even if you have hit the target and your score is where you want it, it is vital to keep these three components active and integral to your journey. Remember this is a journey not a destination. Maintain the discipline that got you where you wanted to go, Remain dedicated to the goal, and continually commit to the process. Like in running a marathon, there are some turns in the road that may prevent you from seeing the finish line while you’re running, but keep going, keep pushing and you will reach your goal.

Once we get a strong grip on these vital components, the journey will become much more simple and financial rehabilitation will not just be an idea but it can and will become a reality.

Hitting Your Target Credit Score




Rehabilitation.Credit has enriched my life beyond words!! This rehabilitation program will teach you how to live the life God has designed for you!!

Subscribe to so that you can be empowered to reach your credit destination.

(Margaret B. New York).

Hitting Your Target Credit Score



Hitting Your Target Credit Score


You did it! You made the decision to build your credit and to take control of your financial freedom!

With that firm decision in mind, let’s talk about reaching the score that you desire. The reality is, with the tools we will provide here, you can reach your desired target.

Though it may seem like hitting a target of 850 is unreachable, it’s not when the vital components are active.  In previous blogs, we talked about the three vital components: discipline, dedication, and commitment.  These are essential in hitting our financial credit targets. At Empowering the Possibilities we want to provide value to your financial journey by offering the tools to help you master the credit rehabilitation process. Then, we will proceed in discovering what it will take to hit the 850 credit score bullseye.

Ready to begin the discovery? In just a few weeks, in October, we will host a live webinar with a Q&A segment geared toward providing answers to any financial/credit questions you may have. It would be great to answer any additional questions you may have, there. To get your questions answered, live, you can subscribe to this blog and we will send an email with all the details. There is no cost to you. The information is free. Below is a sample of some of the questions you can expect to hear answered:

  1. What is a credit score and why is it so important?
  2. Does income matter?
  3. Does my payment history matter?
  4. Does new credit hurt my score?
  5. What is a hard credit pull?
  6. What is a soft credit pull?

Once subscribed, you may submit any questions you have and they will be addressed in the October webinar (the date will be confirmed via email).

Looking forward to answering your questions there!

Credit Scores Matters

Build Your Credit For Your Future


Are you ready to build your credit? Since you’re reading this, you’re at the right place. It does not matter if you are building your credit for the first time or if you are in the beginning of the rehabilitation stage. No matter what stage you’re at, Empowering the Possibilities is here to help you on your journey; as stated before this is a journey not a destination.

Let’s begin with the basics of credit. We all are familiar with the term ‘credit,’ but did you know that there are two types of credit? Perhaps you’re thinking, “Oh, of course, bad credit and good credit.” Well, in a general sense, yes, but to go deeper we need to look at credit the way the institutions and lenders look at credit. When we speak the same language they speak, we will be able to begin our credit transformation. More specifically, the two types of credit we are referring to here is closed-end credit and open-end credit.

Closed-end credit is a traditional (one-time) loan that gives the borrower a certain amount of money for a specific reason. Usually the interest rate is fixed and the repayment amount remains the same for the duration of the loan.

The second type is Open-end credit, which is a loan that has revolving credit and a preset limit, like a credit card or a HELOC (Home equity line of credit). This type of credit allows you to borrow what you want and when you want it, and even when you pay it,  you are allowed to borrow more in the future.

Credit Cards are another source of open-end credit, which we will discuss in a later session.

Both type of loans can boost your credit score and both can also lower your credit score depending on the discipline, dedication and commitment that you have toward them. Remember these three components will forever be a part of your credit journey.

As a review, you can take a look at our recent post, Steps To Building Credit, which will outline four simple steps to get you on your successful journey to building credit for your future. Let’s keep building!


The How and Why of Bad Credit

Hi everyone! This is not my usual blog about credit an credit scores, but I do feel this is a conversation that I need to share with my readers.

I was talking with someone today and as usual, I was talking with them about their credit and looking to share ways to empower them financially. This young lady informed me that she had recently paid someone $500 to repair her credit as she was trying to purchase a vehicle. She then continued to share that, indeed, her credit was repaired and she was able to purchase the vehicle. Interestingly, she said, after six months she was back in the same position she was in before, and she wanted to know why and how this could be possible.

It was at this point that I told her the why she was at this point was because she needed to go through a rehabilitation process, and how it happened was because she went overboard with all the new credit she was able to get once her credit score went up.

Now I believe we know that the minute creditors see that you have a high score, (i.e., 600 or more) they will start flooding you with credit card offers. These offers seem great, at first glance, but for individuals who have not gone through a rehabilitation process, it is easy to immediately fall prey to these enticing offers.

Now you may ask, how can rehabilitating my credit benefit me? To provide a beneficial answer, let us first define rehabilitation. Rehabilitation is the act of restoring to health or normal life by training and therapy after a period of disfavor. Here at we will walk with you to help you understand the why’s of what we do that cause us to get back into unfavorable financial situations. The goal here is to provide you with the insights needed to never make poor financial decisions again. Ever!

Now, if you’ve never made these type of financial missteps and this does not apply to you, that’s great. But if this does apply to you or someone you know, please don’t hesitate to contact us at and we will contact you within 24 hours to begin the process of assessing your situation and guiding you toward financial freedom. If the idea of financial freedom sounds important to you, please contact us today.

Credit Scores Matters

In our previous blog, we talked about the importance of retrieving our credit scores, and if you have done that you are now aware of what your credit looks like and where you stand credit-wise. Armed with this knowledge, you are better equipped to assess your numbers and move toward financial freedom.

If you have ever dealt with a bank, or any type of financial lender, you would have certainly been exposed to the term, ‘interest rate.’ But did you know that it’s your credit score that determines what type of interest rate you will receive? Yes, your credit score! When it comes to your financial freedom, I want you to remember, it’s all in the numbers.

According to Investopedia, credit scores are calculated based on your payment history, the number of accounts you have, and the amounts owed; and they can make a difference in being approved for a loan or declined.

Credit scores range from 300 to 850 and believe me when I say it really is all in the numbers. With a score of 300, you will probably not even get a loan and if you do, your interest rate will be astronomical, costing you many times more for repayment. With a score of 800+ you can very likely get a loan, and possibly one with zero interest. In a general sense, a score under 580 is considered poor credit; a score of 580 to 669 is a fair credit score; a good credit score ranges from 670 to 739; a very good credit score is between 740 and 799, and an exceptional credit score ranges from 800 to 850.

Before applying for a loan, do your homework, know your credit score and decide what interests rate you would be willing to pay. The beauty is, you are in control of getting the better rates once you know how you can control your numbers and get them to work for you, not against you.

Remember it’s all in the NUMBERS.

The Power of Knowledge

Image result for knowledge is power

We have all heard the expression, knowledge is power, and most people would agree that this true. But did you know that your credit growth is dependent upon the knowledge you have, as well?

Now that you have gone through the three steps of discipline, dedication, and commitment, the next financially-empowering information that you need to know is what does your credit look like and what is needed to improve it.

Knowledge is another leaf on the tree of growing your credit. For starters, did you know there is both bad credit and good credit? In this day and age, and in these economic times, it is essential to know whether certain information/records on your credit report should be considered good or bad, But knowing the difference between the two is not enough. Once you know how your credit reads to lenders and institutions, you will know how to make the corrections to move your credit from bad to good. Notice this–if every one of these steps, you have the power to control the outcome. Restructuring and rebuilding your credit is completely doable, and completely within your control once you apply the knowledge being shared with you here.

It’s been said that ignorance is bliss, but I dare say it’s also costly! When you don’t know what’s going on with your credit, you leave your self open to being blindsided. In essence, you lose control and you lose the opportunity to have a strong and stable financial future. Indeed, a little knowledge goes a long way. 

Finding this information helpful? There is more like this right at our website:

Growing your credit with commitment

Commitment is the state or quality of being dedicated to a cause, activity, etc. Our journey now takes us to commitment, we have learned what discipline and dedication can do for building our credit, now it’s time for the 3rd step of growing your credit leaf by leaf which is commitment. As simple as it may sound, commitment to building your credit can mean the difference in getting a 3% APR or a 18% APR! Yes, commitment can accomplish much.

Remember a great credit score is also vital to your financial state, so staying committed to the process of building or rebuilding your credit is just as important as discipline and dedication.

There’s a life lesson that is taught in the form of asking a question. It asks, How do you eat an elephant? The answer: One bite at a time. It simply enforces the idea that you tackle big projects (i.e., the elephant) by dealing with it in small, manageable chunks. And this is where commitment comes in. Set small, doable goals for your credit repair. Commit to these small goals and you will notice that in a reasonable frame of time you will reach what was once deemed a large and far-too distant goal. So how do you repair your credit and leverage your best financial success? By making and sticking with one small, doable commitment at a time!

We would love to give more insights on this topic. Feel free to reply with your questions or comments about committing to your financial success.

Growing your Credit

Join us on this journey of growing your credit leaf by leaf. We want to help you reach the destination of financial freedom! In the next couple of weeks, we will be giving you clear, simple, doable strategies to grow your credit leaf by leaf–beginning with step 1. To learn more, follow our blog

Knowledge is Power

Understanding the cost of credit is vital to your credit sustainability. We all want to be the person that “GET IT”. Again those that “GET IT’ makes a conscience decision to respect, value and protect it, therefore use credit as a tool to build your financial status. Credit is and can be an amazing tool and a great asset in your everyday life when needed.

The more you know about interest rates, he better prepared you will be when acquiring credit,( fixed rates and variable rates). A fixed rate loan means the rate doesn’t fluctuate and this allows the borrower to accurately predict future payments, and you most likely will not fall behind with your payments , because you have already planned them in your budget.

The Power of Knowledge

No individual should be financially ignorant, therefore we want to continue to empower to you to have. a stable and long-lasting credit life. Basic financial education is necessary to maintain a healthy and long lasting credit life.

There are many random incidents that can happen to put your credit in a whirlwind, and the way that you can get out of the whirlwind is to invoke the three vital components, Discipline, Dedication and Commitment.

Let this be a gift to yourself, so that credit can be a safe place to go if and when you need it. The more knowledge you have about credit and how it works the more secure and safe you will be with credit.

Knowledge is Power

Ok everyone, now that we have gone through some of the steps of credit building, let’s start the process and remember why pay someone a bunch of money to do what you can do. As we said before this is no instantaneous venture, but because you want this to be a lifetime venture it is well worth the work.

Remember knowledge is power so the more you know about the world of credit and come to understand the value of it, the more prepared you will be to handle any and all situations that comes.

We talked about the different types of credit that you can get to start your credit as well as rebuild it. Most financial institutions have a credit recovery program of some sort. Credit recovery program is where they will help you to establish or re-establish your credit by allowing you to get a secured credit card or loan to get you back into the world of credit..

Steps To Building Credit

Now that we have gone through the pros and cons of credit, let’s start with the steps of building credit for the first time. You should view credit as a tool. It is just the way most people conduct their financial life to get the things they need, such as cars, homes furniture and appliance when they don’t want to use their cash or they don’t have the cash flow to purchase these items.

Step1. Apply for a secured credit card (a secured credit card uses your money which is placed in a security deposit account as collateral. The amount of money placed on your card is based on the amount of money in the account.

Step 2. Pay your balance in full every month and on time. (remember you are only using this card as an establishing tool, therefore you should only put a minimum amount on the card each month.)

Step 3. Apply for a secured loan ( a secured loan works the same as a secured credit card and if your payment are made on time each month and you are not late your credit score will increase.

Step 4. Apply for a credit builder loan (credit unions and some banks have credit builder loans to help you establish credit, check with your local financial institution)

Sign up to get your free credit report.@credit

The Cons of Credit

Let’s face it everyone, the biggest cons of credit is Credit Cards, but if used properly they can be beneficial, especially if you are trying to establish credit for the first time or even if you are in the rehabilitation stage.

Here is a list of some cons of credit:

  1. Temptation to overspend
  2. A lack of understanding fees and interest rate
  3. Mis-use of credit can damage your credit and lower your score
  4. The use of credit can be reduce your income if not managed properly
  5. There term of credit can be overwhelming

Be aware of credit cards interstate’s rates, terms and fees and when you are making any type of purchase always count the cost first so that you can maintain a great credit history.

Pros of Credit (Cont.)

We will continue to highlight some pros of credit. Let’s first say that there are many types of credit the you can obtain, and some can be more detrimental than others, and I say that because if you do not apply the three vital components in your credit world, you can find yourself trapped in a whirlwind of credit.

The three vital components are discipline, dedication and commitment. There are two types of people when it comes to credit, there are those who ‘GET IT’ and there are those who ‘Forget It”

Those that ‘Get It” makes a conscience decision to respect, value and protect it, and those that “Forget It” makes a conscience decision to disregard and dis-respect it.

The Pros of Credit

Remember there is always two sides to a coin, as it is with obtaining and maintaining credit. Today we will be diving into some of the pros and we will be highlighting the pros in the next blog after which we will dive into some of the cons of credit.


Credit allows you to have the power to purchase without using cash at the time of purchase. in other words you can buy now and pay later, but remember if you don’t pay on time your integrity is being put on the line. Your credit score is one of the biggest pros of credit.

(credit scores will be highlighted in the upcoming blogs).

You may be wondering what does this have to do with credit rehabilitation, this will help you to not having the need of rehabilitation, if you adhere to the pros and cons.

The World of Credit

The journey into the world of credit continues, and on this journey we will explore all the pros and cons of credit. Remember to be aware of quick fixes to your credit, a quick fix to your credit is like using a microwave and empowering the possibilities wants to get you out of the microwave mode and get you into the conventional oven mode, and what we mean by that is although you will get quick results it may not be the most healthy as opposed to the conventional oven which takes a little longer but you get more healthier results. (Stay connected for more)

Repairing your credit without educating you first will not benefit you in the end. Many have paid hundred’s of dollars for someone to fix their credit and within 6 months to a year they find themselves back in the same position or worse. Here at we want you to maintain a lasting relationship with your credit, therefore if you continue on this journey with us, you will have the tools to rehabilitate your credit, not just fix it, and it’s all free.

The Journey Begins

Thanks for joining me! Welcome to an exciting journey of financial success and discipline.

Everyone at some point in their life will need credit, and Empowering the Possibilities is here to get you started, as well as help your credit get rehabilitated (if needed). There are many places that will help you repair your credit, but there are not many that will help you rehabilitate your credit. Now you may say, what’s the difference between repairing and rehabilitating?

When your credit is repaired, the techniques used are the removal of bad data or incorrect data, and this is good for short term, but in addition to restoring the bad data there needs to be rehabilitation. Rehabilitation of the credit includes addressing the cause of the problem, itself, which along with the repairs will have a lasting affect. It is great to have the credit repaired, but it is even greater to have it permanently rehabilitated.

Join me on this journey of Credit Rehabilitation

Good company in a journey makes the way seem shorter. — Izaak Walton

Building Credit is like Building a House

person holding pen point on blueprint
Photo by on

When it comes to building credit, we want to remind you to think of a blueprint. Your blueprint is your plan, if you will, for success. It serves as a model for providing guidance and details. In that plan is all the details for successfully supporting, strengthening and building your credit.  Just as with building a house, you need a blueprint to build your credit. As the foundation has been laid you can now start the process of putting all of the core pieces together.

The beauty of having a blueprint is that it makes all the steps simpler and it makes sure that there is alignment in bringing you toward your goal. The blueprint keeps you on course and is a surefire way to check yourself to make sure that you are moving deliberately and intentionally toward your goal of financial freedom.

If you want to get to an 850 credit score, continue your journey with and you will see results without having to get deep in debt trying to build or re-build. Successfully building your credit is a journey that you will need to keep traveling and will continue on the journey with you via seminars, webinars,  conferences and, of course, direct credit counseling. The reality is, the need for understanding and properly maintaining your credit will always be, so that you are never blindsided by it. It takes time, diligence and focus to manage it effectively. Interestingly enough, credit itself can be seen as an onion. There are layers and layers to it, and just when you think you have gotten to the core, there is another layer to be uncovered.



The Relevance of Credit

Good or bad credit plays a significant role in your life.  No matter where you go or what you do in life, credit will most likely be a part of your financial journey. Debt can increase your credit score or it can decrease it, the decision is yours.

Become a subscriber and learn how to rehabilitate your credit.