Credit360 Credit Repair

08/17/2026

🏠 Ready to take the next step toward homeownership?

Join the Welcome H.O.M.E. In-Person Information Session and learn about housing opportunities available in Miami-Dade County.

📅 Thursday, August 20
⏰ 6:00–8:00 p.m.
📍 JL (Joe) and Enid W. Demps Park — Multipurpose Room
11350 SW 216th Street, Miami, FL 33170

Attendees will learn about:

✅ Program eligibility requirements
✅ The application and selection process
✅ Available homeownership assistance programs
✅ Steps to becoming a homeowner in Miami-Dade County

Information opens doors—but only if you walk through them. Register today: https://bit.ly/MDEATINFO

08/11/2026

😩🏠 Rent went up AGAIN?

At some point, it’s worth asking: Am I paying more just to stay, or could I be working toward owning? 🤔🔑

Homeownership isn’t the right move for everyone, but if rent keeps climbing 📈, it may be worth finding out what your options look like.

💳 Your credit
💰 Your income
📉 Your monthly debts
🏦 Your savings
🏡 Available loan programs
All of it plays a part.

✅ Don’t guess. Let’s look at the numbers.

Schedule your FREE mortgage consultation and let’s see if homeownership could be your next move. 🏠✨

📞 754-342-2121
📅 https://credit360.as.me/Andre

👔 Andre Coakley | Loan Officer | NMLS 2189905

08/03/2026

𝗬𝗼𝘂 𝗽𝗮𝗶𝗱 𝘁𝗵𝗲 𝗰𝗼𝗹𝗹𝗲𝗰𝘁𝗶𝗼𝗻… 𝘀𝗼 𝘄𝗵𝘆 𝗱𝗶𝗱𝗻’𝘁 𝘆𝗼𝘂𝗿 𝗰𝗿𝗲𝗱𝗶𝘁 𝘀𝗰𝗼𝗿𝗲 𝗷𝘂𝗺𝗽?

Because paying a collection may fix the balance, but it does not automatically erase the history of the account.

Before payment, the collection may show an outstanding balance and unpaid status. After payment, the balance may update to $0 and the account may show as paid—but the collection can still remain on your credit report.

Think of it like a damaged relationship.

Paying what you owe may correct the situation, but it does not instantly restore the trust that was lost. That credibility has to be rebuilt through consistent, responsible behavior over time.

This is why some consumers pay off a collection expecting a major score increase, only to see a small change—or sometimes no immediate change at all.

Paying the debt resolves the balance.
Building positive credit history rebuilds the trust.

Need help understanding what is affecting your credit?

📞 Call Credit360 at 1-866-840-4646
📅 Schedule your free credit consultation: www.credit360.as.me
🌐 Learn more: www.credit360.biz

Credit360
We love helping good people with bad credit.

08/03/2026

07/29/2026

🚨 Not sure what’s hurting your credit? Let’s review it together.

A lot of people know they need better credit—they just do not know where to start. That is exactly why Credit360 offers a free credit consultation.

During your consultation, we can help you:

✅ Understand what is affecting your credit profile
✅ Identify possible problem areas or inaccuracies
✅ Answer your credit questions
✅ Discuss practical next steps based on your goals

No pressure. No judgment. Just honest guidance to help you make a more informed decision.

📅 Schedule your free credit consultation:
www.credit360.as.me

📞 1-866-840-4646
🌐 www.credit360.biz

Sometimes the first step is simply finding out what needs to be fixed. Let’s take that step together.

Andre and the Credit360 Team

07/20/2026

🏡 THE HOUSE DIDN’T CHANGE… THE CREDIT SCORE DID.
At first glance, you might think Buyer #1 purchased a more expensive home.
Not true.

Both buyers purchased:
✅ The same $350,000 home
✅ Made the same 3.5% down payment ($12,250)
✅ Borrowed the same loan amount ($337,750)

So why is one buyer paying over $125,000 more over the life of the loan?

The difference is their credit score.
📉 Buyer #1
• 580 Credit Score
• 7.25% Interest Rate
• Higher monthly payment
• More interest paid over 30 years

📈 Buyer #2
• 720 Credit Score
• 6.00% Interest Rate
• Lower monthly payment
• More than $125,000 in lifetime savings

That extra money could have gone toward:
🏖️ Vacations
🎓 College tuition
🏡 Home improvements
💼 Investments
💰 Retirement

The lesson is simple:
Don’t rush to buy the house…

Prepare your credit first.

A few months of improving your credit today could save you thousands of dollars over the next 30 years.

💳 Credit First.
🏡 Mortgage Second.
🔑 Keys Third.
📞 Call or text (754) 342-2121 to schedule your free mortgage consultation and find out how much your credit score could save you.
Illustration purposes only. Rates, payments, and savings vary based on credit profile, loan program, loan amount, market conditions, and borrower qualifications.

07/14/2026

🏡🚒👮‍♀️👩‍⚕️ 2026 FLORIDA HOMETOWN HEROES PROGRAM IS HERE! 🇺🇸🔑

If you've been dreaming of owning a home but thought the down payment was out of reach, this program could help you get across the finish line.

👷‍♂️ Eligible professions may include:

👮 Law Enforcement
🚒 Firefighters
🚑 EMTs & Paramedics
👩‍⚕️ Healthcare Professionals
👩‍🏫 Teachers & School Employees
⚖️ Eligible Court Employees
🇺🇸 Active Military & Veterans

📋 Here's what you need to know:

✅ Up to 5% of your loan amount for down payment and closing costs
💰 Up to $35,000 in assistance
🏠 Purchase a primary residence in Florida
📈 Minimum 640 FICO Score (program guidelines apply)
💼 FHA, VA, USDA & Conventional loan options available
📍 Income limits vary by county

🎯 The ideal Hometown Heroes client:

✔️ Lives and works in Florida
✔️ Has stable income
✔️ Has a 640+ credit score
✔️ Can afford the monthly mortgage payment but needs help with upfront costs
✔️ Is ready to get pre-approved before funding runs out

⏳ Funding is limited and available on a first come, first served basis. Getting pre-approved now can put you in the best position when you're ready to buy.

💳 Credit First.
🏦 Mortgage Second.
🔑 Keys Third.

📞 866-840-4646

📩 DM me "HERO" to see if you qualify for up to $35,000 in homebuying assistance! 🏡