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Rik💸

@_rikball

2.1K

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1733

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Follower of Christ
🏦 Helped over 100 people get funded at 0%
🛠️Fix your credit and get funding below👇
@fcstudiosdmv

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My life was never supposed to be simple, my purpose is more, and I’m realizin’ that🚶🏾‍♂️ by @_rikball

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23 days ago

Gettin work done I could be chillin I rather plan to win #27🎈 #ripjohnjr #ripjohnsr by @_rikball

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3 months ago

740+ wasn’t luck — it was a handful of boring habits done on repeat. 📈

No magic trick, no secret hack. Just the fundamentals, actually followed instead of just known.

Comment “START” and I’ll walk you through exactly what moved the needle for me. 👇
#TyrikBall #UTS #UpTheScore #CreditScore #CreditRepair Credit Tips Financial Freedom Money Tips Personal Finance Build Credit by @_rikball

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11 minutes ago

Not the generic stuff you’ve already heard. 🚫

Become an authorized user on a clean account, pay every bill on time, keep utilization under 30%, stop stacking applications, and keep old accounts open instead of closing them. Small moves, real difference.

Still doing the “safe” stuff and your score still hasn’t moved? Comment “START” and I’ll personally walk you through what’s actually helping and what’s quietly holding you back. 👇
#TyrikBall #UTS #UpTheScore #CreditScore #CreditRepair Credit Tips Financial Freedom Money Tips Personal Finance Build Credit by @_rikball

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20 hours ago

The worst time to apply for funding is the day you actually need it. 📉

Slow month, payroll’s coming, equipment breaks — most owners apply desperate, and desperate shows up in the paperwork. Lenders aren’t grading how bad you need it, they’re grading how stable you look. A business bank account, consistent deposits, a clean paper trail under your business name — that takes time to build.

The owner who set it up six months early has options. The one who waited has one shot and a lot of pressure.

Comment “63” and I’ll show you how to start building that stability now, before you actually need it. 👇
#TyrikBall #UTS #UpTheScore #CreditScore #CreditRepair Credit Tips Financial Freedom Money Tips Personal Finance Build Credit by @_rikball

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a day ago

This isn’t fear-mongering. This is the Bureau of Labor Statistics’ own data. 📉

Cashiers (353,000 jobs — the single largest job loss of any occupation in America), bank tellers, telemarketers, data entry clerks, parking attendants, travel agents. Six jobs, all going the same direction, backed by government numbers, not a hunch.

Comment “DISPUTE” and I’ll personally show you how to build income AI can’t replace. 👇
#TyrikBall #UTS #UpTheScore #CreditScore #CreditRepair Credit Tips Financial Freedom Money Tips Personal Finance Build Credit by @_rikball

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4 days ago

Wrong info on your report? There’s a specific law backing every category. ⚖️

Collections, bankruptcy, repossessions, student loans, hard inquiries, foreclosures, evictions, medical collections, charge-offs — each one tied to its own U.S. Code section. If they can’t verify it, they can’t keep reporting it.

Comment “63” and I’ll show you how to use these the right way. 👇

#TyrikBall #UTS #UpTheScore #CreditScore #CreditRepair Credit Tips Financial Freedom Money Tips Personal Finance Build Credit by @_rikball

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4 days ago

No gimmicks, just what actually works. 📈

Pause all new credit applications for 90 days straight — not even “just browsing” ones. Set autopay on every bill today; memory isn’t a credit strategy. Pull your actual report from all three bureaus and dispute errors wherever you find them, not just wherever’s easiest.

Still hoping your score fixes itself while you do nothing different for 90 days? Comment “DISPUTE” and I’ll personally walk you through your report and show you what’s actually moving the needle. 👇 by @_rikball

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5 days ago

Be honest — what’s your business phone number? Probably your personal cell. Business email? Still that Gmail from high school. Business address? Probably your mom’s. 😳

Now look at that the way a lender does. Nothing about it says real company. None of it’s hard to fix — a business phone number, an email on your own domain, a real address, a simple one-page site that says who you are and what you do. That’s a weekend of work, but it’s the difference between looking like a business and looking like somebody with an idea.

Look like a business before you go ask for business money.

Comment “START” and I’ll set it up for you. 👇 by @_rikball

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5 days ago

A credit card isn’t free money — it’s a tool, and most people never learn how it actually works. 💳

Use it like you’d use a debit card, pay it off in full every month, and let the rewards work for you instead of the other way around.

Comment “START” and I’ll break down exactly how to make yours work for you. 👇 by @_rikball

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6 days ago

Your credit card can build you up or wreck you — depends how you use it. 💳 Pay on time, know your rewards, stick to a card that fits your spending, and never chase a limit you don’t need. Small habits, big score difference.

#TyrikBall #UTS #UpTheScore #CreditCardTips #CreditRepair CreditScore CreditEducation FinancialFreedom MoneyTips BuildCredit PersonalFinance SmartMoney by @_rikball

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6 days ago

Not internet “loophole” tricks. Three real, legal moves. 😳 Demand debt validation within 30 days of first contact — written proof of who owns it, the amount, and your right to dispute. Check your state’s statute of limitations against the last payment date. Talk to a consumer-rights attorney (many offer free consults). Ignore the lawsuit and even a weak claim becomes a default judgment — wage garnishment on a debt you could have beaten. Comment “SCORE” and I’ll walk you through what to do first. 👇

#DebtLawsuit #KnowYourRights #DebtValidation #CreditRepair #UpTheScore ConsumerRights FDCPA CreditScore TyrikBall UTS UpTheScore by @_rikball

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7 days ago