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Karaunda Frederick | Houston Realtor(@consultwithkaraunda)'s profile avatar HD Profile

Karaunda Frederick | Houston Realtor

@consultwithkaraunda

32.4K
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5890
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💳 I help families build financial freedom
🏠 5+ years guiding homeowners to their dream homes
📊 100+ success stories
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Tell em send it, baby I got your back. Click the link in my bio if you have anything derogatory on your credit profile! Let me help you get it removed and your profile cleaned!!! Click the link in my bio to get started. Make sure to use code COLLECT (We can’t send out anymore links at the moment) by @consultwithkaraunda
4k
3 months ago
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Capital One is being sued for illegal and deceptive practices allegedly cheating customers out of $2 BILLION in interest payments If you’ve ever had inaccurate or unfair negative items from them on your credit report, this is your golden opportunity. Under the Fair Credit Reporting Act, you can dispute those items and when companies are under investigation for shady practices, they’re more likely to settle fast. Not only can you get those negative marks deleted, but in some cases, you could also be entitled to compensation for the damage they caused to your credit and finances. Click the link in my bio (use code WOW) if you need help getting inaccurate items deleted, fixing your credit, and positioning yourself to get paid!! 1st round of dispute letters are $37 dollars for the entire month of August by @consultwithkaraunda
0
3 months ago
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🚨 It’s OFFICIAL! The DIY Credit Repair Bundle has finally dropped! 🚨 For under $60, you’ll get: ✅ Everything you need to start repairing your credit ✅ Step-by-step instructions to build and maintain amazing credit ✅ A system you can follow at your own pace, on your own time, from the comfort of your home 💳 No $300 enrollment fees. 💳 No $150 monthly payments. Just real tools, real guidance, and real results. Our VIPs got first access and bundles are already moving FAST… now the doors are open to the public but supplies are limited. 📩 Comment BUNDLE below and I’ll send the direct link to your DMs so you can grab yours today! Don’t wait — you’ll regret missing this! #DIYCreditRepair #CreditToClosing #CreditBundleLaunch #NoExcuses by @consultwithkaraunda
62
a year ago
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WAIT… So you got a credit card just to LOOK at it?! Some of y’all are so scared of messing up your credit that you’re afraid to even USE the credit cards you have! 🤦🏽‍♀️ But listen… Having a credit card and knowing how to USE it responsibly are two different things! 👏🏽 Your credit cards can help you build a stronger credit profile when managed correctly! 💳 Use your card for small, planned purchases. 💳 Pay your statement balance IN FULL by the due date. 💳 Keep your reported utilization LOW. 💳 Make EVERY payment on time. 💳 Stop thinking you have to carry a balance or pay interest to build credit! And PLEASE understand… Spending MORE money does NOT mean you’re building MORE credit! 🚨 You don’t need to be afraid of credit cards. You need to understand how they work! Because the goal isn’t just to HAVE credit… it’s to know how to USE credit to your advantage! 🔑 👇🏽 COMMENT “CARD” if you have credit cards but aren’t sure how to use them to build a stronger credit profile! #CreditEducation #CreditBuilding #CreditCards #CreditTips #CreditUtilization CreditRepair FinancialLiteracy BuildYourCredit CreditCoach ClosingWithKeys by @consultwithkaraunda
2
a day ago
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Just in case yall didn’t get the memo that it’s National Boss’s Day! Well that’s the day I fired my employer six years ago! I got tired of working for someone else, commuting two hours a day, making $47,000 a year with a Master’s degree. And I’m forever grateful because not knowing then, having bad credit literally changed my life! To know my story, I give GOD all the Glory! by @consultwithkaraunda
0
2 days ago
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🚨 JUST BECAUSE YOU GOT APPROVED FOR CREDIT DOESN’T MEAN YOU NEED MORE CREDIT! 💳 When you start repairing and building your credit, don’t be surprised when those credit card offers start showing up in your mailbox! But LISTEN! 👏🏽 Just because a credit card company sends you an offer DOES NOT mean you should apply! 💳 Every application can result in a hard inquiry that may temporarily lower your credit score. 💳 More credit cards mean more responsibility, and if you can’t manage the ones you already have, adding another won’t fix the problem. 💳 Carrying high balances can increase your credit utilization and hurt your score. 💳 Interest charges can turn unnecessary purchases into expensive debt! And here’s my rule: If you can’t afford to pay the balance IN FULL every month, you need to think twice before applying! 🗑️ Remember, you don’t have to carry a balance or pay interest to build good credit! The goal isn’t to collect credit cards. The goal is to build a STRONG credit profile that opens doors to homeownership, business funding, lower interest rates, and financial opportunities! GOOD CREDIT REQUIRES DISCIPLINE, NOT JUST APPROVALS! 🔑 📲 Comment “CREDIT” if you’re ready to repair, rebuild, and strengthen your credit profile! by @consultwithkaraunda
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2 days ago
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🏡 YOU DON’T NEED TO BE RICH TO BECOME A HOMEOWNER! YOU NEED TO UNDERSTAND THE PROCESS! 🔑 One of the biggest misconceptions about homeownership is that you need perfect credit, a six-figure income, or $20,000 sitting in your savings account. THAT’S NOT ALWAYS TRUE! 👏🏽 Here’s what you actually need to understand: 🏡 1. YOUR CREDIT MATTERS! You don’t necessarily need a 750 credit score to purchase a home. Different loan programs have different credit requirements. 💰 2. YOUR INCOME MATTERS! It’s not just about how much money you make. Lenders also evaluate your income stability, existing debts, and ability to afford your mortgage. 📉 3. YOUR DEBT-TO-INCOME RATIO MATTERS! Even with good credit, too much monthly debt can affect how much home you qualify for. 🔑 4. YOU MAY NOT NEED 20% DOWN! Some loan programs allow down payments as low as 3%–3.5%, and eligible buyers may qualify for zero-down options or down payment assistance. 📋 5. PREPARATION IS EVERYTHING! Understanding your credit profile, getting preapproved, knowing your budget, and having the right professionals guiding you can make the process much smoother. The problem isn’t always that you can’t afford to become a homeowner. Sometimes, YOU JUST DON’T KNOW WHERE TO START! And that’s exactly why I’m here! I help people improve their credit, understand the homebuying process, and get in position to become homeowners. 🏡 📲 Comment “HOME” if you’re ready to stop guessing and start preparing for homeownership! Your name could be on the next set of closing documents! 🔑✨ by @consultwithkaraunda
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3 days ago
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You don’t have to come from a family of investors to become one. You can be the person who starts asking questions, learns the numbers, and puts a plan into action. One property can be the beginning of a new family story. What’s your goal: your first home, your first rental, or buying land? Tell me below. Ready to explore your next move? DM me “INVEST.” by @consultwithkaraunda
0
4 days ago
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🏡 STOP assuming you need $20,000 saved before you can even THINK about buying a house! 😩 That misconception alone is keeping so many people RENTING when they could be preparing for HOMEOWNERSHIP! Let me educate you real quick! 👇🏽 🏡 1. You don’t always need 20% down! Some conventional loan programs allow as little as 3% down, while FHA loans can require as little as 3.5% for qualified buyers. 💰 2. Down payment assistance EXISTS! Depending on your income, location, and eligibility, you may qualify for programs that help cover your down payment or closing costs. 🔑 3. Some buyers qualify for ZERO down payment! VA and USDA loans offer 0% down options for eligible borrowers and properties. 📊 4. Your credit matters, but PERFECT credit isn’t always required! Different loan programs have different credit requirements. 💵 5. Your down payment isn’t your only expense. You’ll also want to plan for closing costs, inspections, and other homebuying expenses. The biggest mistake you can make is assuming you’re NOT READY without ever speaking to a professional! You might be closer to holding those KEYS than you think! 🔑🏡 📲 Comment “HOME” if you’re ready to stop guessing and start preparing for homeownership! #FirstTimeHomebuyer #Homeownership #DownPaymentAssistance #RealEstateTips #GenerationalWealth by @consultwithkaraunda
6
4 days ago
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Makiya got a NEW WHIP!!! 🚗🔥😍 2026 KIA K5!!! 🎉🎉 ✅ GREAT CREDIT ✅ $0 DOWN ✅ LOW INTEREST RATE ✅ SIGN & DRIVE!!! THIS is what happens when you teach your daughter the POWER OF CREDIT at a young age!!! 👏🏽👏🏽 When people hear GENERATIONAL WEALTH, they automatically think MONEY! But generational wealth is so much bigger than what you leave your children financially. It’s the KNOWLEDGE you pour into them. It’s the financial literacy you teach them. It’s the CREDIT you teach them to build and protect. It’s the opportunities you prepare them to qualify for! Because what’s the point of building wealth if we’re not teaching the next generation how to create, maintain, and multiply it?! 💯 My one and only daughter isn’t just driving off in a brand-new car. She’s driving off with the benefits of the financial foundation she was taught to build! And THAT is a different kind of generational wealth! 🥹❤️ Congratulations, Makiya!!! 🎉🚗 Now, if you’re tired of letting BAD CREDIT hold you back from the things you want, comment “CREDIT” and let’s get you on the road to better credit and bigger opportunities! 🔑 by @consultwithkaraunda
10
5 days ago
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Imagine walking through a house today and getting the keys to YOUR new home in the next 30–60 days! 🏡🔑 Sounds exciting, right? Well, it starts with taking that FIRST STEP! Whether you’re ready to start house shopping or still need to work on your credit, I can help you create a plan to get closer to homeownership! Stop watching everybody else get their keys while you keep putting your dreams on hold! 👏🏽 Your next address could be closer than you think! 🏡 Comment “HOME” if you’re ready to go from DREAMING about homeownership to actually DOING something about it! Closing timelines vary based on financing, contract terms, and other factors. by @consultwithkaraunda
0
5 days ago
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Listen, y’all! Some of you are so focused on getting to a 700 that you’re completely ignoring what’s actually ON your credit report! 👀 💳 Your FICO score is generally influenced by 5 major categories: ✅ 35% — Payment History ✅ 30% — Amounts Owed ✅ 15% — Length of Credit History ✅ 10% — New Credit ✅ 10% — Credit Mix But here’s what people DON’T understand! 👇🏽 You can have a 680 or even a 700 and STILL have issues with your credit profile that affect your ability to qualify for financing! Lenders aren’t just looking at your SCORE. They’re reviewing your: 🚩 Late payments 🚩 Collections and charge-offs 🚩 Credit card balances and limits 🚩 Age of your accounts 🚩 Recent inquiries and new accounts 🚩 Overall debt obligations A GOOD SCORE DOESN’T AUTOMATICALLY MEAN YOU HAVE A STRONG CREDIT PROFILE! 💯 And when it comes to buying a home, your income, debt-to-income ratio, and overall financial picture matter too! 🎯 STOP CHASING A NUMBER AND START BUILDING A PROFILE THAT LENDERS WANT TO SEE! That’s the difference between just having a score and actually being financially prepared. 👇🏽 COMMENT “PROFILE” if you’re ready to understand what lenders are REALLY looking at! 🔑 Closing with Keys — Getting you from bad credit to great credit, to the closing table! #ClosingWithKeys #CreditEducation #CreditProfile #CreditTips #CreditRestoration HomebuyerTips FirstTimeHomebuyer HoustonRealtor CreditToClosing FinancialLiteracy by @consultwithkaraunda
0
7 days ago
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