We evolve by gaining insight.

The decisions we make in our financial journeys can yield significant consequences, either positive or negative. Enhancing our financial literacy holds the potential to bring about positive transformations for individuals, families, organizations, and entire communities.

Upon contemplating my own journey towards financial well-being, I've pinpointed some specific steps that guided me on the correct path to achieving financial wellness. They are understanding credit, emergency funds, debt management, and personal care. Though this page, I hope to share the knowledge and strategies that have been instrumental in my financial wellness journey, so you too can embark on a personal path to financial wellness, stability and growth. Explore the tools and insights provided here, to assist with the support and reinforcement needed in making informed financial decisions - today.

Click link below for:

 

iGrad created a video, over 10 years ago asking college students financial wellness questions vs pop cultural questions. 

The video is transformative and dives deep into the heart of financial wellness, with an entertaining twist. Crafted by iGrad, an expert in financial planning and wealth management, this video is an insightful way to bring attention to the lack of financial literacy among young adults/college students.
Whether you're just starting out on your financial journey or looking to refine your strategies for wealth building, the time to start is always now, if not yesterday. Financial wellness is a key component of overall well-being, and enjoy providing you with the tools and resources you need to achieve it.
Growing Greatness LLC is dedicated to helping you understand from budgeting basics and debt management to future planning, we cover a wide range of topics with clarity and expertise.  Financial wellness is a journey, not a destination. We're here to support you every step of the way.  Enjoy the video!!!!!!

Understanding Credit Score Recovery Time:

Credit Issue Average Recovery Time
Missed or defaulted payment 18 months
High credit utilization 3 months
Hard credit inquiry 3 months
Late mortgage payment (30 – 90 days) 9 months

Understanding Credit Score Models

Credit Score Model Overview Score Range Key Factors
FICO Score The most widely used credit score model. 300 - 850 Payment History: 35%
Amounts Owed: 30%
Length of Credit History: 15%
New Credit: 10%
Credit Mix: 10%
VantageScore Created by credit bureaus: Equifax, Experian, and TransUnion. 300 - 850 Payment History: Extremely Influential
Credit Age and Type: Highly Influential
Percentage of Credit Limit Used: Highly Influential
Total Balances and Debt: Moderately Influential
Recent Credit Behavior: Less Influential
Available Credit: Less Influential
Equifax Credit Score Proprietary scoring model used primarily by Equifax. 280 - 850 Similar to FICO but with proprietary adjustments.
Experian Plus Score Proprietary scoring model used by Experian. 330 - 830 Payment history, debt levels, credit age, account types, and recent credit activity.
TransUnion New Account Score Tailored for new credit applicants, used by TransUnion. Varies Emphasizes recent credit activity and new accounts.

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