The Power of Credit: What is it and how do I use it to get what I want?
The time has come! You are finally done with high school and ready to go out on your own and explore the world of possibilities at your feet.You can choose whether you go to college, start your first real job, which cell phone plan, car, and apartment are right for you! You’ve waited for this day for a long time. You’re independent and can take care of yourself!
Your excitement is short-lived however, when you begin to hear the word ‘credit’ at every turn. You go to get a new cell phone and they pull your credit and since you don’t have credit, or have very little, you need a huge deposit. You go to the dealership to finally get that car you’ve been eyeing and AGAIN find the same huge down payment necessary because of your lack of credit. You go to apply for the perfect apartment and…yep, your credit means you need to do the first month’s rent, last month’s rent PLUS a deposit. Then, you find out your lack of credit also means that you’ll need to pay a huge deposit just to have lights and running water in your new place!
It’s all way more money than you’d planned to spend. You decide you’d better get a credit card to build credit, so you apply for the first one you see, only to get denied instantly for the same reason – not enough credit history or a too low of a score.
Suddenly being independent does not seem as fun as you had once thought it would be. Obviously you had heard about credit and thought you knew what it meant, but now realize that it’s going to affect your life way more than you ever realized. You are embarrassed about your own ignorance and confused about what to do next. You feel humiliated and a bit like a failure having to ask your parents, family, or friends for money to help with the huge deposits you weren’t expecting to pay. You realize that you have no idea how to get credit or build the little credit that you do have to get the things that you want.
Imagine what it would be like to finally have your credit under control–to know that you could walk in to any cell phone store, dealership, apartment rental, utility company, or even a bank or credit union and know that you’ll get what you walked in to get. On top of that, you’ll get the best deal because you have built a solid foundation of credit and are being smart with your money. You’re no longer confused, overwhelmed, or frustrated by credit and know the exact steps to take to keep your credit score high and in good standing.
You’re excited about your independence again and that you can go after the things that you want without having to ask your parents, family, or friends for help. You’re confident in your ability to access credit when you need it in a way that feels good to you, makes you happy, and will not harm your financial success in the future.
With a clear plan of how to keep building your credit and having it there for you when you need it, you’re now able to focus on the things that really matter to you–the college degree you’ve been looking into, or the new career you’d like to pursue, or the trip you’ve been wanting to take, and/or maybe even a romantic partner to share your life with. Anything in life now feels possible with the stress of credit out of the way!
Have you ever said any of these statements to yourself?
Credit is confusing and I don’t understand it
I wish there were an easy way to build credit.
What is credit? Why do I need it and how do I use it?
How do people become financially successful and get what they want?
I work with financial beginners who want to understand their personal finances, especially credit, and how to manage their money in a way that’s clear, simple, and easy to follow. I help them create a plan for future financial success so they’re smart about what they do with their money today.
You’ll see a clear path for yourself when it comes to credit and will be confident in the direction you are taking to be independent, self-sufficient and build a solid foundation of personal credit..
As a result of this program, you’ll…
Understand where you are with your credit and how you can take it to the next level.
Have a step-by-step plan on how to build your credit that you know you can follow.
Be clear on what your financial goals are and how you’ll achieve them.
Have absolute confidence that you’re on the right track to the financial success you now know you are completely capable of achieving.
This package includes:
The Credit Foundation Worksheet:
Let’s get clear on where your credit is now and what your ideal goal is for your credit. A short welcome video will guide you through every aspect of this worksheet so you’ll be clear on where you are with your credit now and what is most important for you to achieve financially in the future.
From Confusion to Clarity (Private Coaching Session)
In this 90-minute coaching session, you’ll gain clarity about where you are now with your credit and lay the foundation for managing your credit in a way that makes sense to you. You will have the opportunity to get your questions answered and we’ll create a plan for your credit that you know you can successfully take action on. By the end of this session, you’ll have clear direction on what action steps you can take now and how those actions will contribute to your financial success long-term.
-One 15 minute video explaining how credit works, why it is important, and how to build better credit long-term.
-One 15 minute video to gain clarity on why money in general is important, how to understand it, and how to make it work for you.
-The Credit Foundations Checklist:
a quick guide of action steps to get your personal credit in order. Some of these steps can be done in less than a week and others over time as you work on building a solid foundation of personal credit.
From Clarity to Confidence (Private Coaching Session)
Two weeks after our 90-minute session, we’ll check in for a 30-minute coaching session to see how you are doing with your new credit-building strategies. We’ll adjust your plan as needed and you will leave this session with absolute confidence that you’ll be able to follow through on your plan in a way that will bring you success with your personal credit for years to come.
You can finally understand your personal credit and build a strong foundation of credit with a confidence and clarity you have never had before. I can help you create a plan you know you can follow and will serve you long-term so that your good credit is always there when you need it.
Get Started Steps
Let’s Get Started
Are you interested in working with me? Excellent! Here’s how to get started.
Step 1. Make your payment here (link to payment)
Step 2. Within 24 hours of making your payment, you’ll receive an email from me with a welcome video and a link to your Credit Foundations Worksheet (please add email@example.com to your primary inbox to ensure you receive this important step!). You will also receive a link to book our 90-minute session.
Step 3. Download your Credit Foundations Worksheet and watch the welcome video. Fill out the worksheet as directed in your welcome video and email it back to firstname.lastname@example.org (this MUST be done before you schedule your 90-minute session).
Step 4. Then schedule your 90-minute session using the link in your email and get ready to dive into your personal finances.