I put everything in one place so you have zero excuses. 😄 If you're serious about fixing your credit and getting mortgage-ready, these are the exact tools I recommend — and use myself. Bookmark this post. Share it. Come back to it whenever you need it. 📊 1. CHECK YOUR CREDIT REPORT FIRST Before you do anything else, you need to know where you're starting. IdentityIQ gives you access to all 3 bureaus so you can see everything — accounts, collections, inquiries, all of it. 👉 Get Your Credit Report Here 💳 2. KIKOFF SECURED CARD — Build Credit with a Real Card No hard inquiry. No big deposit. Just a simple secured card that reports to the bureaus and helps you build positive payment history. This is one of the easiest first steps. 👉 Get the Kikoff Secured Card 🏦 3. KIKOFF CREDIT BUILDER — We Both Win on This One Sign up through my link and we BOTH get $30 credit. It's a credit builder membership that helps you establish a positive payment history without debt. Low cost, big impact on your score. 👉 Join Kikoff Credit Builder (We Both Get $30) 💰 4. SELF — Save Money AND Build Credit at the Same Time Self is a credit builder account that lets you make small monthly payments that get reported to all 3 bureaus. When you're done, you get your money back (minus fees). It's like a forced savings account that fixes your credit while you sleep. 👉 Start Building with Self 📌 PRO TIP: You don't have to do all of these at once. Start with your credit report so you know where you stand. Then pick ONE credit builder — Kikoff or Self — and stay consistent for 6 months. That's it. Small moves add up fast. Drop a ❤️ below if this was helpful — and invite someone in here who needs to see this. Questions? I'm right here. That's what this community is for. 💜 — Shadirah | RAP Financial Services

Welcome to the Property Over Purses Homebuyer Readiness Program! 🏡💖 I'm so excited you're here. My name is Shadirah Byrdsell, Founder of Property Over Purses and RAP Financial Services. This community was created for one purpose: To help everyday people become confident, educated homeowners. Whether you're working on your credit, saving for your down payment, learning the homebuying process, or simply trying to figure out where to start—you are in the right place. Over the next 6 weeks, you'll gain the knowledge, tools, and confidence to move from renting to owning. What You Can Expect 🏡 Weekly live lessons and replays 📚 Step-by-step homebuyer education 💳 Credit-building strategies 💰 Budgeting and savings tips 🏦 Mortgage and financing education 🔑 Real estate guidance from start to closing 🤝 A supportive community that wants to see you win Community Rules ✅ Be respectful and encouraging. ✅ Ask questions—there are no silly questions here. ✅ Celebrate each other's wins. ✅ Stay engaged by attending live sessions and completing assignments. ✅ Keep discussions focused on homeownership, credit, and financial empowerment. Introduce Yourself! Drop a comment below and tell us: - Your name - Where you're from - What Does Homeownership mean to you - One thing you hope to learn during this program - What is your purchase timeframe Remember... Homeownership isn't just about buying a house—it's about building wealth, creating stability, and leaving a legacy. Let's learn, grow, and get you one step closer to the keys to your future. 🏡 Welcome to the POP Family!

Our mission is to educate, encourage, and empower future homeowners. To keep this community valuable for everyone, please follow these guidelines. ✅ Respect Everyone ✅ Treat every member with kindness and professionalism. ✅ No Judgment ✅ Everyone starts somewhere. Encourage others and celebrate progress. ✅ Keep Information Private ✅ Do not share another member's personal information or financial details outside of this community. ✅ Stay On Topic ✅ Please keep discussions focused on: - Credit - Homeownership - Budgeting - Saving - Mortgages - Financial literacy - No Spam or Self-Promotion Please do not advertise products, services, businesses, or events without approval. ✅ Ask Questions If you're unsure about something, ask! That's why we're here. ✅ Complete Your Weekly Assignments The more you participate, the more you'll gain from this program. ✅ Celebrate Wins Whether your credit score increased, you paid off debt, or got pre-approved—we want to celebrate with you! Thank you for helping us build a positive, supportive community dedicated to creating more homeowners.