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Owned by Charmella

Building Generational Wealth takes one Risk Taker that understands with Determination, Resilience and A Blueprint 📓 🕋 🗝️ 🔲 ⬛️ 🖤 🎓

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44 contributions to Credit Freedom Society
Revamp FaceBook
1️⃣ Define the one person you help (so strangers know in 3 seconds) Most Facebook profiles try to speak to everyone. So they end up saying nothing. Your profile is not your life story, it is a quick “what I do and who it is for” page. Here is a simple 3-part filter: Who do you help. What outcome do you help them get. What problem do you remove. Example: “I help busy mums build strength at home (without 2 hour gym sessions).” If someone reads your first lines and thinks “that is me,” they keep scrolling. If they think “not for me,” that is also good, it repels the wrong people. This makes every post you write work harder, because people already know what to expect from you. 👉 Do this now: Write one sentence using “I help (who) get (result) without (pain).” 2️⃣ Fix your first impression stack (photo, cover, name line) People decide if you are “worth listening to” fast. Your job is to remove friction. Start with your profile photo. Use a clear face shot, good light, simple background. No tiny group photos, no sunglasses, no logo (unless you are a brand account). Then the cover photo. Use it like a billboard. One promise, one proof point, one way to take the next step. Micro framework: Promise: what you help with. Proof: who you have helped, or what you have done. Path: where to go next. Example cover text: “Daily sales systems for service businesses 100+ audits, simple fixes Start here: Featured post below” This makes your profile feel “built,” not accidental. 👉 Do this now: Replace your cover photo with one line promise plus one next step (Featured post). 3️⃣ Rewrite your intro bio like a landing page (not a resume) Your bio should not list your job titles. It should answer the reader’s silent questions: What do you do. Is this for me. Can I trust you. What should I do next. Use this 4-line bio template: Line 1: who you help + outcome Line 2: how you do it (your method) Line 3: proof (specific, but not hype) Line 4: call to action (what to click)
0 likes • 5d
🚀🚀🚀
STORE FIX...Revamp
Let’s fix your link-in-bio funnel 👇 If your Beacons or Stan Store is just a list of random links…You’re missing out on passive sales, daily leads, and impulse buyers. Your store is more than a directory — it should be your digital sales funnel. Here’s how to turn it into a $27+ sales machine that works on autopilot: 🔥 STEP 1: Feature ONE Main Offer Your first visible link should sell ONE product with a clear, fast result. Best types of offers: - $27 digital planner - Mini course or workshop - Swipe file or toolkit - Checklist or Notion template Make it a “no-brainer” impulse buy. 🎁 STEP 2: Add a Free Lead Magnet Give people a reason to click. Options: - “Download my free AI prompt pack” - “Grab the 7-day digital product planner” - “Get my free content vault” Use this to build your list + upsell your main product via email. 💡 STEP 3: Stack Your Products Wisely Your digital store should follow a mini funnel structure: 1. FREEBIE (lead magnet) 2. ENTRY OFFER ($7–$27) 3. CORE OFFER ($37–$97) 4. BUNDLE or MEMBERSHIP ($97+) This increases both trust and total cart value over time. 🖼 STEP 4: Use Visuals That Convert Your covers and product previews matter. Use Canva to design: - Digital mockups - “What’s Inside” previews - Bold titles + consistent branding - Testimonial screenshots Clear visuals = more clicks. 🔗 STEP 5: Add Strong CTAs + Urgency Update your buttons and copy to guide action. Swap out “Learn More” for: - “Start Now for $27” - “Download the System” - “Get Instant Access + Bonus” - “Join the Vault” - “Grab This Week’s Drop” Drive urgency with limited bonuses or 48-hour offers. 💬 BONUS: Need help revamping your store the right way? ✅ I offer custom store builds (Beacons + Stan) with: - Sales page copy - Product strategy + stacking - Visual Canva upgrades - Funnel setup with lead magnet + upsell 🛒 Grab your store build here:👉 https://shop.beacons.ai/simplyroyalenterprise/5fc5e382-bdff-4440-be96-3e64dc521646
0 likes • 5d
Nothing but Gems 💎
Build Credit WITHOUT Credit Cards
No Credit Cards? No Problem. Here’s How to Build Credit in 2026 Without a Single Swipe 💳 Not everyone wants to use credit cards — and honestly, you don’t have to. Thanks to newer fintech tools, utility reporting programs, and credit-builder accounts, you can build your credit score from scratch without touching a single card. Here’s how 👇 💡 1. Use Rent Reporting Services Add 12–24 months of rent history to your credit report ✅ Works for tenants, roommates, and even folks renting from family ✅ Most report to TransUnion, Equifax, and/or Experian ✅ Boosts average age of accounts and payment history Top Tools: - Rental Kharma – https://rentalkharma.com - BoomPay – https://www.boompay.app - Self-Reporting Through Experian RentBureau 💡 2. Report Your Bills to the Bureaus Streaming, phone, utilities = now reportable! ✅ Report Netflix, Hulu, phone, water, gas, electric ✅ No credit check required ✅ Helps those with thin or no file Top Tools: - Experian Boost – https://www.experian.com/boost - Grow Credit – https://www.growcredit.com 💡 3. Installment Accounts That Don’t Require Credit Checks Build payment history with credit builder loans and savings programs ✅ No credit pull ✅ Reports monthly like a loan ✅ Increases credit mix & on-time payment history Top Tools: - Self Lender – https://www.self.inc - Kovo – https://www.kovo.com - CreditStrong – https://www.creditstrong.com 💡 4. Add Authorized User Tradelines Get added to someone’s card as an “authorized user” ✅ Their age & payment history help you ✅ You don’t need the actual card ✅ Choose only someone with perfect payment history & low utilization 🛑 Never piggyback on accounts with high balances or late payments. 💡 5. Use Alternative Credit Bureaus to Build a Foundation ✅ Freeze or pull reports from:
1 like • 9d
Good stuff !
How to Spot & Dispute Reaged Debt
Reaged Debt = Illegal. Here’s How to Spot and Dispute It (FCRA Strategy Inside) Some debt collectors reset the clock on an old debt to keep it on your credit longer.This is called re-aging — and it’s ILLEGAL under the FCRA. The Fair Credit Reporting Act (Section 605) prohibits reporting accounts beyond 7 years from the Date of First Delinquency (DOFD). If a charge-off or collection is reporting a new date to look fresh, you can dispute and demand removal. 🔥 ⚠️ What is Re-Aging? Re-aging is when a creditor or collector falsely updates the “Date Opened” or “Date of Last Activity” to make an old account look new — keeping it on your credit report longer than legally allowed. ✅ Legal Rule:Negative accounts must be removed 7 years from the original delinquency — not from when it was sold or transferred. 🔍 How to Spot Reaged Accounts: Check your credit report and look for: ❌ “Date Opened” AFTER the charge-off❌ “Last Activity” months or years after you defaulted❌ Accounts that should’ve fallen off still showing❌ Same account showing multiple times with different dates Use the DOFD (Date of First Delinquency) as your anchor. ✍️ What to Do Next: ✅ Step 1: Pull All 3 Reports Get a copy of your Experian, Equifax, and TransUnion reports:👉 https://www.annualcreditreport.com ✅ Step 2: Highlight Suspicious Dates Use a highlighter or tracker sheet to flag: - “Date Opened” - “Date of Last Payment” - “Date of First Delinquency” - “Estimated Removal Date” ✅ Step 3: Send a Re-Aged Debt Dispute Letter Demand deletion for FCRA violation if they updated the dates illegally. Include: - Your ID + proof of address - Copy of the report showing the issue - Dispute letter citing FCRA Section 605(c) 💥 FCRA Violation = Leverage If they don’t correct or remove it, you can: - Escalate to the CFPB - File a complaint with your state attorney general - Take action under 15 U.S.C. §1681n Reaged Debt Dispute Letter Template Send this to the credit bureaus AND optionally to the furnisher (original creditor or collector).
1 like • 9d
Fire 🔥 because debt collectors are shady !
Freebie Friday
Valentines Edition!!!! https://www.canva.com/design/DAG96kLphYg/2f1pI51Ajyo6w8BXj56smw/view?utm_content=DAG96kLphYg&utm_campaign=designshare&utm_medium=link&utm_source=publishsharelink&mode=preview https://www.canva.com/design/DAG9pbskcyI/JZlKZGIybl7WUgryH8I8Kg/view?utm_content=DAG9pbskcyI&utm_campaign=designshare&utm_medium=link&utm_source=publishsharelink&mode=preview https://www.canva.com/design/DAG9pbDPrRA/n_Rtlchm0k6IUSW6O07Yug/view?utm_content=DAG9pbDPrRA&utm_campaign=designshare&utm_medium=link&utm_source=publishsharelink&mode=preview https://www.canva.com/design/DAG9paDV51U/8gG3E2qypxVpGcWHJdAUYA/view?utm_content=DAG9paDV51U&utm_campaign=designshare&utm_medium=link&utm_source=publishsharelink&mode=preview
1 like • 9d
Thanks 😊
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Charmella Yvonne
3
11points to level up
@charmella-smith-5463
Healthcare Meets Real Estate helps healthcare pros and agents build wealth through real estate with strategy, systems, and community support.

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Joined Oct 31, 2025
Florida