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Pre-Approved vs Pre-Qualified. Know The Difference Before You Apply!

Wait!!! Before you hit the submit the button on that credit application, READ THIS! Pre-Approval Vs Pre-Qualified Vs Pre-Selected Pre-Approval – Is the stage before something is officially approved. This means that you’re conditionally approved for the credit card. There is no guarantee that you will be approved. You have received such offers because the …

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When Is The Right Time To Give Your Child Good Credit

When is the right time to help your child establish credit? Arnita Johnson-Hall of AMB Credit consultants says the sooner the better, as long as they can understand debt and finance and the importance of having good credit. As graduation gifts, my mother gave my brother and I 700 credit scores. She was able to …

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Purchasing A Vehicle With Challenged Credit? Be Careful Of Inquiries

If you plan on purchasing a vehicle, please know that if you have bad credit and you complete an application with the car dealership’s finance department, there is a great chance your credit will be ran numerous of times. This is because your credit is so bad that the dealership is trying to find a …

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California Attorney General Sues Student Loan Giant Navient (Formerly Known As Sallie Mae)

Student loan management corporation Navient,  formerly known as Sallie Mae, is being sued by California’s Attorney General Xavier Becerra. According to the San Francisco Chronicle. State Attorney General Xavier Becerra accused one of the nation’s largest student loan servicers of cheating perhaps thousands of California borrowers, and on Friday sued the company and its subsidiaries. Becerra …

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‘The Bomb Life’ Is Going To Help Take Your Credit To ‘Luxurious Heights’!

It is an extreme honor to announce Claire Sulmers of  FashionBombDaily.com  as the new brand ambassador of Luxurious Credit! After reading about her transparent story in her book “The Bomb Life”, we knew that with all of the great resources and education we have to offer that we could help Claire along journey to having …

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7 Ways You Can Help Give Your Bestie Luxurious Credit!

Friendship goals are when you’re able to glow up together and reach goals together! Finances can be a touchy subject in friendships. Even if you financially may have it altogether, it doesn’t hurt to invest in your friend so that they can be financially stable too. Remember, a good friendship is an investment. Here are …

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Business Identity Theft Is On The Rise

Everyone talks about personal identity theft but rarely do you hear about business identity theft. Business identity theft is on the rise especially among small businesses! Business identity theft is when criminals steal the company’s identity/business information and open corporate accounts without the authorization of the business. These thieves typically open business accounts such as …

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5 Ways Inaccurate Information Can Damage Your Credit

Who said that? Your credit is your reputation. The same way you would protect your personal reputation is the same way you should be with disputing inaccuracies on your credit report. Any inaccurate information should be disputed until it is removed. Don’t let anything slide. Remember, it is the credit bureaus job to ensure that credit …

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