Excel and Associates Financial Services, LLC

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Excel and Associates Financial Services, LLC Excel and Associates provide families throughout the US with credit restoration referral, credit bui

10/02/2026

You paid your credit card on time… so why is your credit report still showing a high balance? 👀💳

Here’s a credit card tip: know your statement closing date!

Most card companies report your balance around that date. Paying it down before the statement closes can help a lower balance show on your credit report.

Example: You have a $1,000 limit and an $800 balance. That’s 80% utilization. Pay it down to $50 before the statement closes, with no new charges, and that’s 5% utilization. 🦾

Still pay your statement balance in full by the due date to avoid purchase interest when your grace period applies. You do NOT have to pay interest to build credit!

Lower reported utilization may help your score, but no specific increase is guaranteed.

Save this and check BOTH dates in your credit card app!

09/25/2026

Text “ READY” to 678-923-6985 to take advantage of my $99 Credit PROGRAM!

We identify and dispute inaccurate, incomplete, outdated, or unverifiable information appearing on your credit reports.
✓ Collections
✓ Charge-Offs
✓ Repossessions
✓ Late Payments
✓ Medical Collections
✓ Evictions / Rental Collections
✓ Bankruptcies
✓ Student Loan Reporting
✓ Hard Inquiries
✓ Utility & Phone Collections
✓ Credit Card Negatives
✓ Auto Loan Negatives
✓ Personal Loan Negatives
✓ Duplicate Accounts
✓ Incorrect Balances
✓ Outdated Information
✓ Accounts That Don’t Belong to You
✓ Incorrect Personal Information

09/16/2026

🚨 Planning to buy a home? Here’s something you need to know BEFORE you start house hunting. 🏡👀

The credit score you check every day may not be the same score a mortgage lender sees.

You could be watching a 750 and walk into a lender’s office only to find out your mortgage score looks completely different. 😩

Mortgage lenders use specific FICO scoring models when reviewing your credit. When three scores are available for one borrower, the lender generally uses the middle score rather than averaging all three.

For example:

Equifax: 554
Experian: 681
TransUnion: 737

👉🏾 The middle score is 681.

This is also why you shouldn’t rely solely on Credit Karma when preparing to purchase a home. Credit Karma provides VantageScore credit scores, while mortgage lending commonly relies on FICO scores.

Your Credit Karma score can still be useful for monitoring your credit, but it may not tell you exactly what a mortgage lender is going to see.

The WORST time to learn this is after you’ve already fallen in love with a house, started spending money, and mentally picked out where the furniture is going. 😭🏡

Preparation matters.

Before you apply for a mortgage, know what’s actually on all three credit reports, understand your mortgage scores, work on your utilization, and address any credit issues that could affect your approval.

Don’t wait until you’re ready for the keys to start getting your credit ready for the house. 🔑🏡

Have you ever checked your mortgage FICO scores?

The lawyers walk away with the big checks, while consumers are left with crumbs… and sometimes still stuck with damaged ...
08/17/2026

The lawyers walk away with the big checks, while consumers are left with crumbs… and sometimes still stuck with damaged credit. 🤷🏾‍♀️😡👀

Same story, different lawsuit.

If your credit score starts with a 3, 4, 5, or 6, I have access to a platform designed to help you work on rebuilding your credit, plus access to consumer attorneys when legal support is needed.

You don’t have to keep fighting the credit bureaus by yourself. 💯

📲 Text CREDIT to (770) 256-5929 to get started.

08/03/2026

🚨 Credit Tip: Why You Should Remove Old Addresses & Name Variations from Your Credit Report 🧹

Old addresses and misspelled names don’t directly hurt your score, but they can seriously block your progress.

Here’s why:

1.🧾 They keep you tied to negative accounts, collections and charge-offs can be validated using those old addresses.

2. ⚠️ They increase the risk of a mixed file, you could end up with accounts that don’t even belong to you.

3.🧍🏽‍♀️ They make disputing harder, if a negative account matches an old address, it’s harder to remove.

4. ❌ They cause identity issues, too many variations can lead to credit denials or slow approvals.

📌 Clean up your report by removing:
✅ Outdated addresses
✅ Incorrect name spellings
✅ Old or irrelevant employers

A clean profile = stronger disputes + better protection 🔒Need help? DM “CLEAN” and let’s get to work. 💪🏽

08/02/2026

Updated Funding Requirements 💰

To qualify, you’ll need either:

✨ A 680+ personal credit score across all three bureaus
OR
✨ At least $10K in business revenue

Business requirements:

✅ Established LLC
✅ Business bank account
✅ Required business documents

How fast is the funding process?

Funding can be completed in as little as 24–48 hours, with some options taking approximately 7–14 days.

Ready to see what you qualify for? Let’s get you positioned for funding. 💼💰

07/28/2026

🚨 2 Common Credit Mistakes That Can Cost You BIG

1️⃣ Missing Payments
Payment history has the biggest impact on your credit score. Even one late payment can cause significant damage.

✅ Set reminders or enroll in autopay. It’s that serious!

2️⃣ Opening Too Many Accounts
Every new account can add a hard inquiry and lower the average age of your credit history.

⚠️ Applying for too much credit at once can make lenders view you as a higher risk.

Protect your credit. Apply wisely. Play it smart. 💳📈

05/18/2026

Most people think credit repair is about “removing everything” from a credit report… but the truth is, real credit repair is more about fixing habits, understanding your report, and knowing your rights. 💳📉

A deleted collection won’t help much if the spending habits, late payments, and utilization stay the same.
Temporary fixes don’t build long-term financial freedom. Discipline does. 💯✨

✨ Turn Your Words Into Impact ✨Need help presenting yourself with confidence and excellence? We’ve got you covered.At Ex...
04/07/2026

✨ Turn Your Words Into Impact ✨

Need help presenting yourself with confidence and excellence? We’ve got you covered.

At Excel in Associates, we specialize in professional document and writing services designed to elevate your personal and business communication.

✔️ Resumes & Cover Letters
✔️ Business & Recommendation Letters
✔️ Essays & Character References
✔️ Obituaries & Greeting Cards
✔️ Flyers, Invitations & Letterhead
✔️ Invoices, Budgets & More

💼 Specialized Support Available
Need help with FMCSA Safety Rating Changes or DOT compliance guidance? We offer expert assistance to help you navigate the process with confidence.

Why choose us?
✔️ Professional formatting
✔️ Fast turnaround
✔️ Confidential & reliable
✔️ Customized to your needs

📩 Get started today:
[email protected]

Quality. Professionalism. Results.

Address

McDonough, GA
30253

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 7pm
Friday 9am - 8pm
Saturday 10am - 2pm

Telephone

+17068731551

Website

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