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Terance Morse | Credit Repair & Financial Power

@terancejames

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” The real voyage of discovery consists not in seeking new landscapes, but in having new eyes.” ~ Marcel Proust taken in Peace on Earth by @terancejames

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4 years ago

🌊 😫🤦🏾‍♂️ @dubcito @missaudra2u @jeff @captainmorganusa #manoverboard #iwastrynabecool taken in Ocho Rios, Jamaica by @terancejames

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8 years ago

#dallas2atlanta #dallascowboys we dem boys by @terancejames

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9 years ago

Somewhere between psychotic and iconic, somewhere between I want it and I got. But I stay down
Girl, I always stay down
Get down, never lay down
Promise to break everybody off before I break down
Everyone, just wait now 💙🤞🏿 taken in AT&T Stadium by @terancejames

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a month ago

1 day. One pound at a time. Wings by the Pound 2707 Main St. Deep Ellum 6.18.26 @wingsbythep the first of many pull up ❤️🤞🏿 taken in Deep Ellum by @terancejames

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4 months ago

@colombia @fifa @fifaworldcup #meddellín #cartagena tonight we feast 🇨🇴🇨🇴🇨🇴 taken in Medellín, Colombia by @terancejames

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4 months ago

🔥 LIKE & SAVE this post to boost your credit score! 🔥
👉 Share it with a friend who needs this 😉

High credit utilization (using too much of your credit limit) might be quietly tanking your credit score 😱. FYI, utilization is ~30% of your score — so it’s kind of a big deal. But guess what? You can beat the system with these insider hacks 💪💳:

🗓 Pay BEFORE the statement date – Make a payment before your billing cycle ends. That way, your statement (and the credit bureaus) only sees a smaller balance. Sneaky, but effective 😏.

💳 Spread out your spending – Don’t max out one card; use multiple cards and spread the charges around. Each card stays well under its limit, so no single card looks overused. (You’re basically hiding the heavy usage in plain sight 🥷.)

⬆️ Ask for a credit limit increase – A higher limit instantly lowers your utilization ratio. You’d be surprised: often you can just ask and get a bump! (Pro tip: request a credit line increase every 6-12 months if you’ve been responsible 😉.)

🔒 Keep old cards open – That unused card sitting in your drawer? Don’t close it. More available credit (even if you’re not using it) = lower overall utilization %. It’s like having extra buffer that makes you look more responsible. 🙌

✨ Consider a new card – Counterintuitive but true: opening a new credit card can increase your total available credit and drop your utilization. Only do this if you can trust yourself not to overspend! New card, same budget = credit score win 😎.

For legal reasons, yes, these hacks are 100% legit 😜. Master these moves and watch your credit score climb 📈.

Which tip do you wish you knew sooner? Let me know below! 👇💬 by @terancejames

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2 years ago

Comment “credit” below and I’ll DM you the exact cheat code to boost your score 50–150+ points using these 3 tradelines!

Let me break down the step-by-step blueprint:

1. Meet Ava – This powerful revolving tradeline reports as a $2,500 credit limit and shows up like a major credit card on your file. Low utilization, no hard pull, and it builds payment history and credit age. It’s a must-have.

2. Kikoff – Think of this like training wheels for your credit. It’s a $750 line that reports monthly, builds trust with the bureaus, and costs next to nothing. Perfect for building or rebuilding your score without racking up real debt.

3. RentReporters (with my secret sauce) – This is where we break the algorithm. With my method, your rent history can be backdated not just 2 years… but 5, 7, even 10+ YEARS, depending on your lease history. That’s a DECADE of payment history added to your file in a matter of weeks.
And yes—it reports to major bureaus.

When you combine all three?
You hit 3 major credit factors:
• Payment history
• Credit age
• Credit mix/utilization

This is how my clients see jumps of 80, 100, even 150+ points—fast.

Comment “credit” and I’ll personally DM you the links, setup tips, and my full playbook.
Let’s stop playing small with credit and start moving like bosses. by @terancejames

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2 years ago

The Sea Snake” Velaryon: The last slide i almost broke character #morsecodecomingsoon 👻🎃💀 #houseofdragon #gameofthrones #halloween by @terancejames

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2 years ago

I remember a young lady years ago commented on my pic on one of those promotion pages and said “ he fine and all but why don’t he work out his legs” 😂😂😂 And i took that personal 245,284 legs workouts later here we are still a bit to go but progress has been made taken in Atlanta, Georgia by @terancejames

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3 years ago

Rate my line dancing 🕺🏾 i give myself a good 8.9 @royalsteppaz205 by @terancejames

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3 years ago

COMMENT LINK for the 7 day trial credit report with all three bureaus

If they give you push back state “ this is a non mailable address”

Remove this from your credit report TODAY
*one name *one address taken in Atlanta, Georgia by @terancejames

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3 years ago