The Budgetnista: Tiffany Aliche shares how she went from a 547 credit score to over 800 | xoNECOLE
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The Budgetnista: Tiffany Aliche shares how she went from a 547 credit score to over 800

Comments (39)
  1. Jia says:

    This is a great article. I wouldn’t be surprised, however, if it didn’t receive a lot of comments or retweets (I am here from Twitter). The truth is, a lot of people are scared to talk about money and retweeting it would (for some) would lead folks to ASSume that they’ve got credit issues instead of simply spreading a good word.

    I think that it would be pretty dope if high schools came up with some sort of program that teaches teens about credit before they walk across that stage. I’ve made a TON of financial mistakes in my life…(almost) any type of debt you can think of. When I graduated, my deddy told me (as they were driving me TO college) “Do NOT get a credit card. I will put money in your account as you need it, but you do not need a credit card.” While he’s in one ear advising me of how to make sure I don’t end up in some crazy spot with credit, my mama pretty much lived in the opposite way. This isn’t to say she wasn’t responsible with her money but she was way more likely to accept a credit card offer (and really use the shit out of it) than my deddy would.

    Helping folks understand credit is important. A lot of people don’t realize how big of a deal it is until they can’t get approved for that mortgage or car loan.

    Great article, Brittani! Money matters!

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  2. shes is a blessing, i love all her information..make sure to get her book and take the 2016 live richer challenge

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    1. it can be overwhelming to face your bad money habits, but with faith nothing is impossible, good luck

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    2. It’s an awesome challenge. I did it last year!

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    3. I’m interested in the challenge, but what happens if for some reason you can’t do it anymore? Are you able to just stop or what?

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    4. yes…you will get the emails, but if you decide not to do the suggested task, you can just go back to the email and start over

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  3. shishi says:

    Thanks for the tips! The one about charging an $8 bill to your credit card and then paying it off every month is a great idea and is alot more beneficial than just paying your card off and hiding it to prevent ending up in debt again

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  4. Ovo Chaka says:

    Cheers to Progression , entrepreneurship , and WEALTH in this upcoming year ! I WILL be taking tips from this Queen ! Another useful article ! Love y’all , Xo ! <3

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  5. HoneyButter says:

    I just signed up! Hopefully it works out for me. Valuable info..could use more 💰 and a better flow of it!

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  6. roseinweeds says:

    awesome!! im gonna jump in this challenge and really try to take my savings to thr next level. since undergrad, ive taken a proactive position to making money work for u and managing it well. n its paid off greatly including a home purchase before 25, investments (401k etc) and savings. i currently only manage two separate accounts bt Capital One u can “open” multiple online accounts w no fees and i split my savings in diff buckets based on goals. you can do it ladies!! i love forward to trying out this challenge!!

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  7. Well praise Jehovah…

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  8. She is a blessing thank you Lord for allowing her to be an example #DebtFree

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  9. Ms. Smith says:

    Man, I wish I had this 4yrs ago when I started college! Thanks for the info!!

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  10. Oenz says:

    Great advice!

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  11. Great read. Gonna try this.

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  12. Great information!!!

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  13. Great article but unfortunately for me I messed ard and applied for a private loan my early college yrs and now it has come back to hunt me. So everyone please don’t ever apply for a private loan.

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    1. Sean Krista says:

      Im certan there are steps out there to getting back in great standing. I hope u find the answer.

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    2. What other options would you suggest? Especially for a second degree

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    3. Alicia Renee says:

      I’m paying on a private student loan now. I plan on going back to school so I’m trying to do everything I can to be in good standing. Loans suck doesn’t matter if it’s private or federal. What options are you doing to help yourself with this loan?

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  14. Good read. Thank you for posting this!!

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  15. I’m on the right path so let’s see what 2016 brings.

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  16. TiaraB says:

    Awesome read! I am working on my financial literacy, I have a general idea when it comes to investing and I am always open to new ways to budget and save. Buying both books for me and my sisters!

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  17. Chalanda says:

    I have signed up and will be following these steps to a T! Thanks for the tips!!

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  18. Im_on_a_budget says:

    Great article! I’ll definitely be sharing with my friends!

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  19. Dee says:

    Great advice! I’ve signed up for the 2016 challenge. I’m excited!

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  20. Nicole says:

    This is an awesome article! I will be sharing on the blog and social media on January 4th!!!

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  21. J. Davis says:

    Loved the article overall but in regards to the section on private loans, the information provided is kind of misleading. Depending on who your private loan is serviced by, the stage of default does not occur instantly once you miss one payment. I represent a company where default is likely when you are about 7 to 8 payments behind. But luckily we do offer repayment options to help get customers back on track.

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  22. Wendi says:

    Great article. I will pass along to friends.

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  23. Theresa says:

    Definitely agree with the online banking account for savings. I’ve always been a saver but also a giver. Once I opened the online account my savings grew very fast. I don’t agree with some of her recommendations when it comes to credit. However, I have some cc debt but excellent credit. My FICO score is 792(Experian) and 802(Equifax). I have not used my credit cards in over a year. My goal is to pay it off, down to one with a balance. I have paid off $13K since Oct 2014. Not sure what I can get out of her program but always looking for more info about saving and investing.

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  24. Keyka Kabuki says:

    I loved reading this article, especially with the real real ads popping up on the left tempting me to finance used louboutin’s at 35.00 a month…lolol the irony.

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  25. MasterMoney says:

    Loved the article but the GIF’s were very distracting. I had to take a break in between paragraphs because my eyes started to burn.

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  26. Alexa says:

    Seriously wish I had this information when I started college. Thanks for the information!

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  27. Kay says:

    I wish a breakup didn’t ruin my credit, but I accept responsibility for being young and stupid. He was handling everything until we broke up. Making on $32,000 with children…I couldn’t keep up and had to file chapter 7. Its sucks, but I have been living a much simpler life since and things are coming back together. Since I paid my bills up until two months before my court date, my credit store isn’t as horrible as I feared it would be. My credit was almost 800 and friends piggy backed off of me (as authorized users) to build their credit in order to by homes.

    I do want to add that sometimes loans can make your credit spike. Like a car loan will make my credit spike 30-40 points. I’m just like nope… ✋✋✋. I’m good. I can finally qualify for a mortgage again and that’s what is most important.

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  28. Lunden G says:

    Wow! This was the best I have read. Most articles are redundant and the moves areen’t simple to make.

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