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Christina Babbs

@christinatheceo

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Christina | Credit Educator, Atlanta
I read credit reports line by line so you stop guessing
Daily credit truths. Personal + business
Free intake 👇
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Most people never leave Section 8… Not because they can’t— Because they don’t KNOW. 💡 There’s a homeownership program that allows you to: ✔️ Use your voucher toward a mortgage ✔️ Build equity ✔️ Transition out of renting 📌 This is how you level up 💬 Comment “LEVEL UP” for steps by @christinatheceo
55
7 months ago
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I stopped asking, “Why is it taking so long?” and started thanking God for who I’m becoming in the process. ✨ Some rooms aren’t just meant for you to walk into they’re meant to remind you how far you’ve come. Every setback taught me something. Every closed door redirected me. Every season where I felt overlooked was preparing me to walk confidently into spaces I once prayed to enter. I’m learning that elevation isn’t always loud. Sometimes it looks like discipline. Sometimes it looks like walking away. Sometimes it looks like starting over. And sometimes it simply looks like becoming the woman you said you wanted to be. 🤎 So here’s your reminder: don’t rush the season that’s preparing you for the life you prayed for. Keep building. Keep showing up. Keep believing. Your name belongs in rooms you haven’t even entered yet. 🥂✨ What’s one thing you’re believing will happen for you before this year is over? Drop it below speak it into existence. 👇🏾 #ChristinaTheCEO #WomenInBusiness #CEO mindset #BossWomen #WomenWhoLead EntrepreneurLife FaithAndBusiness BlackWomenInBusiness MotivationDaily PurposeDriven NetworkingEvent LevelUp LuxuryLifestyle BecomingHer by @christinatheceo
13
2 months ago
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Most people apply for a new credit card when they should be asking for a credit limit increase. Understanding the difference can help improve your credit profile and position you for better funding opportunities. Save this video, share it with someone building credit, and follow for more credit education. by @christinatheceo
4
4 months ago
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101 disputed items deleted in a single round on this client file. What this real client credit profile shows on the September 18th re import: Equifax 512 to 598 (+86) Experian 494 to 569 (+75) TransUnion 488 to 530 (+42) 101 disputed items deleted this round Results vary by file and no result is guaranteed. Accurate information can remain on a report. Save this for later and share it with a friend who is working on their credit. Book your consultation at https://consult.christinatheceo.com/start #creditscoreincrease #creditrepair #creditrepairresults #creditscore #creditrestoration #fixmycredit #creditjourney #creditcoach #moneygoals #financialliteracy #creditisthenewluxury #christinatheceo #ctcsolutions #equifax #experian #transunion by @christinatheceo
0
2 hours ago
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not sure what to fix first on your credit report? That confusion is exactly what this call is for. We sort the noise into a short list of priorities so you stop spinning. The Personal Credit Strategy Call is $77 right now, regularly $197. Book through the link in my bio: checkout is on the product page, then you pick your time. Save this and send it to someone stuck at step one. #personalcredit #creditrepairatlanta #atlantacredit #creditgoals #financialliteracy #christinatheceo by @christinatheceo
0
4 hours ago
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why was I denied business funding is the search, and most of the time the answer is not the score. Before anyone opens a report, lenders commonly check whether they can find and verify your business: name, address and phone matching across your state filing, EIN letter and bank, good standing with the state, account age versus formation date, your industry code, your bank statements, and a live listed phone and website. Most declines happen at verification. Approval outcomes vary by lender and by business profile. Save this and send it to whoever needs it. #businesscredit #businessfunding #smallbusinessloans #businessowner #entrepreneur #fundingtips #businesscreditbuilding #christinatheceo #ctcsolutions #creditisthenewluxury by @christinatheceo
0
6 hours ago
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how does credit repair work when you hire someone? It starts with your actual report, not a guess. Monitoring gives us your live three bureau report so we can see every account, every late payment and every collection the bureaus are reporting. Scan the QR code on the flyer to activate. It starts at $1 and you can cancel any time. On your phone? Screenshot it and scan from another screen, or call 470 437 4573 for help. Save this for your first week and share it with a friend who keeps asking how this works. #creditmonitoring #creditrepair #creditreport #creditscore #fixmycredit #christinatheceo by @christinatheceo
0
8 hours ago
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credit freeze before applying is the search people make after a denial they cannot explain. If your file is frozen at the bureau a lender pulls, the application can come back denied before anyone reads it, and you still used up that application. Before you apply for funding or a new card, check your freeze status at Experian, Equifax and TransUnion, ask the lender which bureau they pull, lift the freeze for that window, then put it back once the decision comes in. Education only. Approvals vary by lender and by file. Save this and send it to whoever needs it. #creditfreeze #creditreport #businessfunding #credittips #creditrepair #creditscore #fundingtips #christinatheceo #ctcsolutions #creditisthenewluxury by @christinatheceo
0
9 hours ago
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Barclays $21,800 authorized user tradeline: real client result. $21,800 limit, opened 2021, reporting on all three bureaus with a clean payment history. On this report it showed open as an authorized user on TransUnion, Experian and Equifax, with a $20 balance and every month in the grid marked OK. A high limit with a low balance is what keeps overall utilization down, and that is one of the biggest reasons people add tradelines to a credit report. Reporting is guaranteed for one full cycle. Many lines continue reporting beyond that, commonly two to three months, though that part is not guaranteed and varies by issuer and by file. Results vary by consumer. Want to see which line fits your file? Book a review at the link in bio. Save this and send it to whoever needs it. #authorizeduser #tradelines #authorizedusertradeline #tradelinesforsale #agedtradelines #creditlimit #creditscore #creditrepair #buildcredit #creditbuilding #boostcreditscore #creditjourney #financialliteracy #christinatheceo #creditisthenewluxury by @christinatheceo
0
20 hours ago
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naics code for business funding is the box most owners fill in without a second thought, and it can quietly shape how a lender reads your whole file. Most people believe the industry code is just paperwork. It is not. Here is how it works. Your NAICS code tells lenders, banks and business bureaus what industry you are in. Some industries carry more risk in an underwriter's eyes, so the code you list can affect which products you see and how closely your file gets reviewed. The code also has to match what your business actually does, because a mismatch between your code, your website and your bank records reads as a red flag. The order I teach: 1. Write one plain sentence describing how your business earns money 2. Look up the NAICS code that matches that sentence on the official Census lookup 3. Check that your state filing, EIN records, bank account and website all describe the same business 4. Make sure your DUNS profile lists the same industry 5. Update any record that tells a different story before you apply 6. Never pick a code just to look safer. It has to reflect your real activity Education, not legal, tax or financial advice. Every lender reviews industries differently, and nothing here promises an approval or any funding amount. SAVE this so the checklist is open before your next business application. Save this and send it to whoever needs it, especially the owner who filed their LLC in a hurry. Credit is the new luxury. #naicscode #naicscodes #businessfunding #sbaloan #sbafunding #businesscredit #buildbusinesscredit #businesscredittips #fundingreadiness #fundability #businessloan #smallbusinessfunding #llcowner #newllc #einnumber #dunsnumber #dunandbradstreet #businessbankaccount #smallbusinessowner #smallbusinesstips #entrepreneurtips #startabusiness #blackentrepreneurs #womeninbusiness #financialliteracy #creditisthenewluxury #christinatheceo #ctcsolutions by @christinatheceo
0
a day ago
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Credit repair results: TransUnion up 135 points on one real client re import. What this real client credit profile shows on the September 6th summary: Equifax 618 to 698 (+80) Experian 617 to 747 (+130) TransUnion 611 to 746 (+135) 28 disputed items deleted this round Results vary by file and no result is guaranteed. Accurate information can remain on a report. Save this post so you can come back to it, and share it with someone who has been putting off looking at their credit. Book your consultation at https://consult.christinatheceo.com/start #creditrepair #creditrepairresults #creditscoreincrease #creditscore #fixmycredit #creditrestoration #creditcoach #creditgoals #buildcredit #financialfreedom #creditisthenewluxury #christinatheceo #ctcsolutions #equifax #experian #transunion by @christinatheceo
0
a day ago
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credit strategy call: what actually happens on it. One focused session with me. We look at your credit direction, what may be holding your profile back, and the next steps in the right order. The Personal Credit Strategy Call is $77 right now, regularly $197. Book through the link in my bio: checkout is on the product page, then you pick your time. Save this and share it with the friend who keeps guessing. #creditstrategy #creditrepair #creditscore #creditconsultation #creditcoach #christinatheceo by @christinatheceo
0
a day ago
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