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Cynthia Davis Credit Repair Consultant

Cynthia Davis Credit Repair Consultant Financial services that protect your identity, credit, family, finances, lifestyle and future. Lucrative and promising career opportunities also available.

Have you heard? About 43 million people have a 599 credit score or lower! And nearly half of Americans don't even know their credit score. Average debt is over $225k with many having less than $500 in savings. Every 2 seconds an identity is stolen and only 18% are on track to reach their income goals in retirement...Can we all agree these are not good statistics? Biggest reason: Lack of financial

Have you heard? About 43 million people have a 599 credit score or lower! And nearly half of Americans don't even know their credit score. Average debt is over $225k with many having less than $500 in savings. Every 2 seconds an identity is stolen and only 18% are on track to reach their income goals in retirement...Can we all agree these are not good statistics? Biggest reason: Lack of financial

Operating as usual

Have you ever wondered how "they" decide what your credit score should be? 🤔Does your credit score constantly change or ...
12/23/2021

Have you ever wondered how "they" decide what your credit score should be? 🤔Does your credit score constantly change or go down and you can't figure out why? 🤯 Watch my newest YouTube video to understand how your credit score is calculated and what you can do about it‼️
#creditisking #getinformed #knowledgeispower
#boostyourscore #2022goals

There's no such thing as a joint credit report — for married couples or anyone else. Married or single, you have your ow...
12/23/2021

There's no such thing as a joint credit report — for married couples or anyone else. Married or single, you have your own credit report, one that's linked to your Social Security number. If you're married, you and your spouse may have a lot of joint accounts, such as mortgages, car loans and shared credit card accounts. Those joint items will appear on both your credit reports and will affect both of your scores. But your credit report is yours and yours alone.
#CreditRestoration #CreditScore #creditrepair #boostyourscore #GetQualified

Just as credit reports don't list your income, they also don't provide much demographic information. Credit reports cont...
12/08/2021

Just as credit reports don't list your income, they also don't provide much demographic information. Credit reports contain no information about such things as race, national origin, religion, profession, disabilities, sexual orientation or military veteran status. They also don't say how much you have in the bank or in retirement accounts. And if it's not on your credit report, it can't affect your credit score.
#fixmycredit #creditrepair #CreditRestoration #boostmyscore #GetQualified

10 Gift Ideas to Stay on Budget During the Holidays!
11/29/2021
10 Gift Ideas to Stay on Budget During the Holidays!

10 Gift Ideas to Stay on Budget During the Holidays!

Easy ideas to avoid spending a ton of money on gifts during the holidays allowing you to stay on track with your financial goals!***This video is for enterta...

Your job title and income 💰 have no direct effect on your credit score. Scores are based only on the information found i...
11/29/2021

Your job title and income 💰 have no direct effect on your credit score. Scores are based only on the information found in your credit report. Your report includes a lot of information about your use of credit 💳 and your management of debt. But, it doesn't include your income. In fact, it may not even indicate whether you have a job (nor will it tell you to get off the couch and get one). 🤣 That said, your employment situation can affect your score indirectly, in terms of your ability to pay your debts. And when you apply for credit, lenders will probably ask about your income. 💯
#fixmycredit #boostmyscore #creditrepair #creditrestoration #financecoach

I'm super excited to announce that I just launched the first video on my new YouTube Channel, Cyn's Money Lounge‼️I'll b...
11/20/2021

I'm super excited to announce that I just launched the first video on my new YouTube Channel, Cyn's Money Lounge‼️I'll be talking about topics like Credit 💳, Debt🤦🏼‍♀️, Budgeting, Investments 📈 and, Taxes💰, Insurance and much more! Please be sure to check it out, SUBSCRIBE, LIKE, AND SHARE!!! Thank you soooo much for your support! 🙏
https://youtu.be/bbW64CDA0nY

Credit bureaus collect information about your debts and use that information to assign you a credit score. Those scores ...
11/20/2021

Credit bureaus collect information about your debts and use that information to assign you a credit score. Those scores are neither objectively "good" nor "bad." They're a measure of risk. It's up to lenders to decide whether a given score meets their criteria for extending credit. And, scores are usually just one factor in their decision. A "good" score might not mean much if you don't have a job or any assets. Likewise, a high income and a stack of gold bars might outweigh a "bad" score.
#fixmycredit #boostyourscore
#CreditRestoration #creditrepair
#homebuyer #getqualified

There isn't just one single credit scoring formula that applies to all consumers in all situations. There are more than ...
11/19/2021

There isn't just one single credit scoring formula that applies to all consumers in all situations. There are more than a thousand scoring models in use in the credit marketplace. A consumer could therefore have dozens or even hundreds of different credit scores. Lenders and others check your credit score for different reasons, and each formula looks at your credit history in a different way, giving different weight to various factors. What's most important is to consistently monitor your credit from a reputable site so that you're always on top of it and know when there's been any changes.
#fixmycredit #creditrepair #creditrestoration #homebuyer #boostmyscore #getqualified

If you have a credit card you don't use, you're unlikely to improve your score by closing the account. In fact, closing ...
11/18/2021

If you have a credit card you don't use, you're unlikely to improve your score by closing the account. In fact, closing the card might even lower your score. In general, credit scoring models don't measure risk by how much credit you have available, but rather by how much of that credit you're using — a ratio known as "credit utilization". When you close an unused account, you reduce your total available credit, so your credit utilization goes up . (Of course, if an unused card creates an unbearable temptation to spend, you may be better served in the long run by closing the account.)

A notation called an "inquiry" goes on your credit report every time someone (including you) looks at your file, and rum...
11/16/2021

A notation called an "inquiry" goes on your credit report every time someone (including you) looks at your file, and rumor has it that inquiries can hurt your score. Well, yes and no. An inquiry affects your score only if it's related to a credit application that you have submitted. If you apply for a loan or a credit card, your score might fall, because that application suggests you'll be adding debt. But if you simply look at your own credit report, the resulting inquiry won't affect your score. If anything, checking your report is a sign of responsible credit management, though you don't get points for doing it.
#knowthefacts #getgreatcredit #fixmycredit #creditrepair #creditrestoration #getqualified

Not all debts are equal. Say you've got a $150,000 debt on your credit report. If it's there because you maxed out your ...
11/09/2021

Not all debts are equal. Say you've got a $150,000 debt on your credit report. If it's there because you maxed out your credit cards to throw a birthday blowout for yourself two years ago, then you're in trouble. Today, that debt is giving you nothing but memories (and maybe an ulcer). But if that $150,000 is your mortgage, then you're probably just like millions of other responsible homeowners. That debt is giving you a warm place to lay your head at night.

Seriously...feel free to reach out. We can fix that. 😉#CreditRestoration #creditrepair #boostyourscore
10/31/2021

Seriously...feel free to reach out. We can fix that. 😉
#CreditRestoration #creditrepair #boostyourscore

With nearly 30 years in the credit and finance industry I can definitely connect you with a top realtor and/or lender in...
08/20/2020

With nearly 30 years in the credit and finance industry I can definitely connect you with a top realtor and/or lender in the area. And if credit is a challenge, let's talk. That is one obstacle that you can absolutely control and improve quicker than you may think! DM me for info.
#FixMyCredit #GetQualified #WhyWait #TagAHomeOwner #FirstHomeBuyer #StopRenting #restoreyourscore

There's never been a better time to focus on your credit. Good credit gives you OPTIONS! 💯 Let's talk about what we can ...
08/08/2020

There's never been a better time to focus on your credit. Good credit gives you OPTIONS! 💯 Let's talk about what we can do to help you increase your credit score 📈 and qualify to buy a home 🏘, refinance your car payment 🚘, lower your insurance premiums and much more!!! 💣💥🚀
#FixMyCredit #GetQualified #WhyWait #LowerMyCarPayment #RestoreYourScore

Before you spend that tax refund 💸 let's talk about how you can use it to dramatically increase 📈 your CREDIT SCORE and ...
02/27/2020

Before you spend that tax refund 💸 let's talk about how you can use it to dramatically increase 📈 your CREDIT SCORE and change EVERYTHING‼ Great credit gives you OPTIONS and saves you MONEY. Comment or text "ME" to 702-338-6100 if you're ready to make a positive CHANGE for you and your family.
#FixMyCredit #GetQualified #BuyVsRent #RestoreYourScore #Homebuyer #LowerMyCarPayment #WhyWait #MakeYourRefundCount #LetsDoThis #StopThrowingMoneyAway #LowerInsurancePremiums

A 201 point increase 🙌🏼I love seeing these kinds of results! 💖💖💖What could you do with a 201 point increase to your cred...
01/08/2020

A 201 point increase 🙌🏼
I love seeing these kinds of results! 💖💖💖
What could you do with a 201 point increase to your credit score? Is 2020 the year you make the decision to get your credit back on track?
#2020Goals #TakeControl #RestoreYourScore #BadCreditCostsYouMoney #Homebuyer

Now is the time to make your credit a priority! Do you have a 2020 goal to buy a home? Start a business? Purchase a new ...
01/08/2020

Now is the time to make your credit a priority! Do you have a 2020 goal to buy a home? Start a business? Purchase a new car? There are so many reasons to have great credit and with our services there's no reason not to! DM me today or text me at 702-338-6100 for info.
#2020Goals #TakeControl #FixMyCredit #GetQualified #RestoreYourScore #CreditRepair #Affordable #FastestResults #Homebuyers #BusinessOwners

Another phenomenal day meeting with sharp real estate agents that see value in helping their clients fix their credit so...
11/21/2019

Another phenomenal day meeting with sharp real estate agents that see value in helping their clients fix their credit so they can become homeowners in 2020!
#SignatureRealEstateGroup #Partnerships #Worksmarternotharder @ Signature Real Estate Group SW

NO CREDIT NO CREDIBILITY ‼‼**Most of us would like to say we don't care what people think about us but when we try to ap...
11/21/2019

NO CREDIT NO CREDIBILITY ‼‼
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Most of us would like to say we don't care what people think about us but when we try to apply for a mortgage, car loan, credit card, or a business loan we definitely care what the BANK thinks of us‼
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And when they pull our CREDIT REPORTS we are ALL subject to those magical 3 numbers that either show we're CREDIBLE or we're NOT. 💯
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And it follows us our entire life❗There's no escaping it‼ The higher your scores the more money they will lend you. ❗
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Not only will they loan you hundreds of thousands of dollars but they loan it to you at 0% or incredibly low interest rates saving you tons of money‼💰
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We're here to help you significantly improve your credit by helping to remove negative items, build positive credit, and pay down debt. And we include Credit Monitoring and Identity Monitoring to keep you informed and protected❗🥇
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Call or text me at 702-338-6100 for a free credit analysis and personalized game plan to get you APPROVED‼
#FixMyCredit #RestoreYourScore #GetQualified #GamePlan #LetsDoThis #Affordable #TakeControl #WhyWait #BadCreditCostsYouMoney

Another phenomenal day meeting with sharp real estate agents that see value in helping their clients fix their credit so...
11/21/2019

Another phenomenal day meeting with sharp real estate agents that see value in helping their clients fix their credit so they can become homeowners in 2020!
#SignatureRealEstateGroup #Partnerships #Worksmarternotharder @ Signature Real Estate Group SW

POWERFUL WEBINAR TONIGHT at 7PM PST. Find out what it takes #FixYourCredit and earn INCOME helping others do the same. #...
11/20/2019

POWERFUL WEBINAR TONIGHT at 7PM PST. Find out what it takes #FixYourCredit and earn INCOME helping others do the same. #EntrepreneurLife #TakeControl #WorkFromHome #flexiblehours #ForgetTheSecondJob #EarnHolidayCash #PowerOfCredit

I have to admit that I love doing radio shows! I was honored to be invited to be a guest on the Cookin with Sage Melodee...
11/16/2019

I have to admit that I love doing radio shows! I was honored to be invited to be a guest on the Cookin with Sage Melodee Show on 22.3 Take Over Vegas Radio yesterday and truly enjoyed every minute! Thank you, Sage Melodee!
#FixMyCredit #CookinwithSage #BossLadies #RestoreYourScore #CreditAgentsNeeded #BoostMyScore

It's true. DM or text me first at 702-338-6100 before you make arrangements with that collection company or creditor. Si...
11/15/2019

It's true. DM or text me first at 702-338-6100 before you make arrangements with that collection company or creditor. Simply by paying them won't increase your score or get it deleted in most cases. We can help you save money AND increase your score!
#FixMyCredit #RestoreYourScore #Debt #GetQualified #DontWait #BoostMyScore
#CreditMonitoring #IdentityMonitoring #affordable

1. Charge-offs 2. Collections3. Bankruptcy 4. Foreclosure 5. Tax liens6. Lawsuits or judgments 🔸️If you have any of thes...
11/13/2019

1. Charge-offs
2. Collections
3. Bankruptcy
4. Foreclosure
5. Tax liens
6. Lawsuits or judgments 🔸️If you have any of these on your credit report, let's talk. Our services aggressively attack EVERY negative item on your credit report to #BoostYourScore. DM or text me at 702-338-6100.
#Affordable #FixMyCredit #GetStarted #RestoreYourScore #GetQualified

#VETERANS hold a special place in my heart. My father, former husband, business mentor, and numerous friends are veteran...
11/12/2019

#VETERANS hold a special place in my heart. My father, former husband, business mentor, and numerous friends are veterans. So for the month of NOVEMBER I'm offering to WAIVE the $99 activation fee for ANY VETERAN or ACTIVE MILITARY PERSONNEL that reach out to me to get started FIXING THEIR CREDIT! You deserve every opportunity this country has to offer! Thank you for your service! 🙏🏿 #Veteransmatter #FixMyCredit #Imready #NovemberPromo #RestoreYourScore #GetQualified

Address

Las Vegas, NV
89130

Products

FES Protection Plan
Credit Restoration
Will, Trust, POA Package
Credit Monitoring
Ultra Score - Positive Credit Builder
Lifelock Identity Theft Protection
Rental Kharma
First Progress Secured Card
Merchant Services

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Have you ever wondered how "they" decide what your credit score should be? 🤔Does your credit score constantly change or go down and you can't figure out why? 🤯 Watch my newest YouTube video to understand how your credit score is calculated and what you can do about it‼️ #creditisking #getinformed #knowledgeispower #boostyourscore #2022goals
There's no such thing as a joint credit report — for married couples or anyone else. Married or single, you have your own credit report, one that's linked to your Social Security number. If you're married, you and your spouse may have a lot of joint accounts, such as mortgages, car loans and shared credit card accounts. Those joint items will appear on both your credit reports and will affect both of your scores. But your credit report is yours and yours alone. #CreditRestoration #CreditScore #creditrepair #boostyourscore #GetQualified
Just as credit reports don't list your income, they also don't provide much demographic information. Credit reports contain no information about such things as race, national origin, religion, profession, disabilities, sexual orientation or military veteran status. They also don't say how much you have in the bank or in retirement accounts. And if it's not on your credit report, it can't affect your credit score. #fixmycredit #creditrepair #CreditRestoration #boostmyscore #GetQualified
Your job title and income 💰 have no direct effect on your credit score. Scores are based only on the information found in your credit report. Your report includes a lot of information about your use of credit 💳 and your management of debt. But, it doesn't include your income. In fact, it may not even indicate whether you have a job (nor will it tell you to get off the couch and get one). 🤣 That said, your employment situation can affect your score indirectly, in terms of your ability to pay your debts. And when you apply for credit, lenders will probably ask about your income. 💯 #fixmycredit #boostmyscore #creditrepair #creditrestoration #financecoach
I'm super excited to announce that I just launched the first video on my new YouTube Channel, Cyn's Money Lounge‼️I'll be talking about topics like Credit 💳, Debt🤦🏼‍♀️, Budgeting, Investments 📈 and, Taxes💰, Insurance and much more! Please be sure to check it out, SUBSCRIBE, LIKE, AND SHARE!!! Thank you soooo much for your support! 🙏 https://youtu.be/bbW64CDA0nY
Credit bureaus collect information about your debts and use that information to assign you a credit score. Those scores are neither objectively "good" nor "bad." They're a measure of risk. It's up to lenders to decide whether a given score meets their criteria for extending credit. And, scores are usually just one factor in their decision. A "good" score might not mean much if you don't have a job or any assets. Likewise, a high income and a stack of gold bars might outweigh a "bad" score. #fixmycredit #boostyourscore #CreditRestoration #creditrepair #homebuyer #getqualified
There isn't just one single credit scoring formula that applies to all consumers in all situations. There are more than a thousand scoring models in use in the credit marketplace. A consumer could therefore have dozens or even hundreds of different credit scores. Lenders and others check your credit score for different reasons, and each formula looks at your credit history in a different way, giving different weight to various factors. What's most important is to consistently monitor your credit from a reputable site so that you're always on top of it and know when there's been any changes. #fixmycredit #creditrepair #creditrestoration #homebuyer #boostmyscore #getqualified
If you have a credit card you don't use, you're unlikely to improve your score by closing the account. In fact, closing the card might even lower your score. In general, credit scoring models don't measure risk by how much credit you have available, but rather by how much of that credit you're using — a ratio known as "credit utilization". When you close an unused account, you reduce your total available credit, so your credit utilization goes up . (Of course, if an unused card creates an unbearable temptation to spend, you may be better served in the long run by closing the account.)
A notation called an "inquiry" goes on your credit report every time someone (including you) looks at your file, and rumor has it that inquiries can hurt your score. Well, yes and no. An inquiry affects your score only if it's related to a credit application that you have submitted. If you apply for a loan or a credit card, your score might fall, because that application suggests you'll be adding debt. But if you simply look at your own credit report, the resulting inquiry won't affect your score. If anything, checking your report is a sign of responsible credit management, though you don't get points for doing it. #knowthefacts #getgreatcredit #fixmycredit #creditrepair #creditrestoration #getqualified
With nearly 30 years in the credit and finance industry I can definitely connect you with a top realtor and/or lender in the area. And if credit is a challenge, let's talk. That is one obstacle that you can absolutely control and improve quicker than you may think! DM me for info. #FixMyCredit #GetQualified #WhyWait #TagAHomeOwner #FirstHomeBuyer #StopRenting #restoreyourscore
There's never been a better time to focus on your credit. Good credit gives you OPTIONS! 💯 Let's talk about what we can do to help you increase your credit score 📈 and qualify to buy a home 🏘, refinance your car payment 🚘, lower your insurance premiums and much more!!! 💣💥🚀 #FixMyCredit #GetQualified #WhyWait #LowerMyCarPayment #RestoreYourScore
Before you spend that tax refund 💸 let's talk about how you can use it to dramatically increase 📈 your CREDIT SCORE and change EVERYTHING‼ Great credit gives you OPTIONS and saves you MONEY. Comment or text "ME" to 702-338-6100 if you're ready to make a positive CHANGE for you and your family. #FixMyCredit #GetQualified #BuyVsRent #RestoreYourScore #Homebuyer #LowerMyCarPayment #WhyWait #MakeYourRefundCount #LetsDoThis #StopThrowingMoneyAway #LowerInsurancePremiums