About us
Discover the dynamic partnership behind Twin Flames a powerhouse where creativity meets strategic business acumen. Learn about Ron & Lon, the driving forces committed to innovation in marketing, screenwriting, and financial solutions. Explore how their complementary skills and shared passion create a unique and impactful venture.
Ron & Lon: The twin flames
Meet Ron & Lon, the highly intelligent, charismatic, and capable duo at the heart of Twin Flames. Ron, with his background as a former Highly Decorated Army Infantry Combat Sergeant and now a Top Project Director, brings a blend of creative screenwriting talent, elite physical fitness acumen, high financial savvy, and corporate leadership. Lon is a marketing and real estate genius, poet, and entrepreneur. Together, their shared intelligence and passion make them a power couple dedicated to pushing boundaries and achieving personal and professional excellence.
"The synergy between "25 Ron" & "52 Lon" is truly remarkable. Their birthdays even mirror each other on 2/5 & 5/2. That is unique. You don't see that every day. Their combined expertise has not only elevated our marketing efforts but also provided invaluable insights into Operational & Marketing strategies. Twin Flames is a total game-changer!"
The Williams Family
What makes us different
Twin Flames stands out by integrating Ron's operational "Enterprises" with Lon's strategic "Marketing", creating a diversified business structure. From captivating screenwriting projects like "American Hero" and "Generals" to innovative marketing strategies to a fitness journey through an apex personal trainer and a Complimentary Financial Service, our unique blend of creativity and business savvy ensures we deliver exceptional results.
Twin Flames Strategica
Twin Flames Strategica offers Complimentary Financial Services and Credit Advisement designed to empower users to improve their credit scores.
Payment history (35% of FICO score)
This is the most significant factor in your credit score. It is based on your history of paying bills on time. Late payments, collections, and bankruptcies negatively impact this score.
Amounts owed (Credit Utilization) (30% of FICO score)
This refers to your credit utilization ratio, which is the amount of credit you are using compared to your total available credit. Keeping your balances low is crucial for a good score. A low revolving utilization ratio is particularly important.
Credit history (15% of FICO score)
This factor considers the age of your oldest account, your newest account, and the average age of all your accounts. More years of credit history is generally better.
New credit (10% of FICO score)
This looks at how often you open new accounts and how many hard inquiries you have. Applying for a lot of new credit in a short period can signal a higher risk and lower your score.
Credit mix (10% of FICO score)
This refers to the different types of credit accounts you have, such as revolving credit (credit cards) and installment credit (mortgages, car loans). Having a mix of accounts can be beneficial, but this is a less influential factor.
Twin Flames also features Good Will Adjustment advisement, providing transparent and flexible financial insights.
Experian Boost and Experian Simulator
Experian Boost and Experian Simulator services provide a robust, risk-mitigated blueprint for optimizing a FICO® Score.
Experian Boost: Exclusive Positive Payment History Integration
Experian Boost is a free, innovative tool that empowers consumers to directly add eligible, on-time utility, telecommunications, insurance, and streaming service payments to their Experian credit file.
The salient benefit, from a legal and consumer-service perspective, is the unilateral application of positive payment history only:
Selective Reporting: The platform is meticulously designed to only consider on-time payments.
Zero Negative Impact: Late or missed payments for the connected accounts are expressly ignored by the Experian Boost service and cannot, by design of the tool, lower a client's FICO® Score. The relevant account providers may report delinquencies separately, but the Experian Boost mechanism itself provides a protected environment for demonstrating payment integrity.
Data Control: Clients retain full control and may elect which accounts to connect and verify, and can remove the added data at any time, which would result in losing the associated point increase.
Instant Potential Benefit: Upon verification, an updated FICO® Score reflecting the positive history may be delivered instantly, potentially moving a client into a better score category. This provides immediate feedback and potential for improved credit access.
Synergy with Experian Simulator: A Comprehensive Optimization Blueprint
The true 'beauty' of these tools lies in their complementary function, forming a comprehensive blueprint for credit optimization:
Experian Boost as an Accelerator: Experian Boost serves as the foundational action component, allowing clients to instantly leverage existing, positive financial behaviors (timely bill payment) that traditionally have not factored into credit scores. This offers an immediate, tangible uplift, particularly for those with thin files or lower scores.
Experian Simulator as a Strategic Planner: The Experian Simulator acts as the foresight component. It allows clients to model various financial scenarios (e.g., paying down debt, opening a new account, etc.) to understand their potential impact on their FICO® Score before taking action.
Together, this synergy provides clients with a powerful, two-pronged approach:
Empowerment and Strategy: Clients are empowered with the Experian Boost tool to immediately improve their credit profile using data they control.
Informed Decision-Making: The Simulator allows for strategic planning, providing a data-driven path to achieve specific financial goals with confidence and minimal risk.
This integrated framework offers a transparent, controlled, and empowering journey toward enhanced financial health, ensuring clients can proactively manage and bolster their credit profiles effectively and responsibly.
Disclaimer: Twin Flames Strategica is not affiliated with Experian and does not receive any compensation for this link below. We provide this hyperlink as a courtesy to our clients and the public who may benefit from the free Experian Boost service. Clicking this link will take you to the official Experian website, and any interaction after that point is solely between the user and Experian.
Credit Utilization 101
Understanding the Dynamic Nature of Credit Utilization: A Key Component of Your Financial Profile
Twin Flames provides the following detailed explanation regarding the dynamics of credit utilization, designed with the utmost professionalism and legal clarity for informational purposes.
This information is provided by Twin Flames for educational and informational purposes only. It is not intended as financial, legal, or credit advice.
Credit scoring models, in their conventional application, evaluate various factors to determine a consumer's creditworthiness. While elements such as payment history, the months or years of your credit history, and the mix of credit types generally have a continued impact and build over time, the metric known as credit utilization operates on a distinctly dynamic basis.
The "Beauty of Utilization" Explained: A Monthly Snapshot
Credit utilization refers to the ratio of your current credit card balances to your total available credit limits. For most widely used credit scoring models (such as many versions of FICO and VantageScore), this ratio is assessed as a monthly snapshot, meaning it typically has no memory of past utilization rates.
No Long-Term "Memory": A high utilization ratio one month, if addressed, does not permanently impair your score in subsequent months. Once a lower balance is reported to the credit bureaus, your credit score can boost quickly from the temporary impact.
Monthly Fluctuation: This characteristic means you possess significant control over this specific scoring factor in the short term. You can intentionally manage your balances just before your statement date to optimize your reported utilization ratio, should you be planning a major credit application (e.g., a mortgage or auto loan).
Strategic Optimization: The strategic value lies in this mutability. Other credit factors may be on "autopilot" (e.g., age of accounts), but utilization can be managed actively and immediately. By paying down your balances in full each month before the statement closing date, you ensure a low utilization ratio is reported, thus optimizes your score at the precise time it is needed for an application.
Important Caveats: FICO 10T and Trended Data
It is a fiduciary responsibility to inform you that newer credit scoring models, such as FICO 10T and VantageScore 4.0, incorporate trended data, which does look at utilization over a period of several months (often 24 months). These models are not yet universally adopted by all lenders.
For the majority of current lending decisions, however, the "snapshot" principle for utilization remains applicable.
Twin Flames emphasizes prudent credit management, which includes using your credit responsibly and paying statement balances in full to avoid interest charges and maintain a healthy financial profile.
Major banks offer their own free credit monitoring services similar to Capital One's CreditWise. These services generally provide free access to a credit score and report data from one or more of the major credit bureaus (Equifax, Experian, and TransUnion).
Key major bank equivalents to Capital One's CreditWise include:
Chase Bank: Chase Credit Journey - Provides a free Experian credit score and report data. It includes alerts for new updates to your credit usage, account status, and hard inquiries. A Chase account is not required to use the service.
Bank of America: Erica/Mobile Banking App - Offers a free credit score (often from TransUnion via SavvyMoney integration) and monitoring within their mobile banking app for customers.
Citibank: Citi Mobile/Online Access - Provides Citi cardholders with complimentary access to their FICO Score information, typically sourced from Equifax.
Discover: Discover Mobile App - Offers free TransUnion credit score information to its cardholders.
Wells Fargo: Credit Close-Up - A complimentary service for Wells Fargo Online customers that provides access to their Experian FICO Score 8.
Experian, Equifax, and TransUnion (direct access): The credit bureaus themselves offer free monitoring services.
Experian provides a free FICO Score 8 and daily report monitoring through its own app/website.
TransUnion offers free daily VantageScore 3.0 and credit report updates via their Credit Essentials service.
Equifax offers a free monthly Equifax credit score and report through Equifax Core Credit™.
These services all use "soft inquiries," meaning checking your score through these platforms will not harm your credit score.
Disclaimer: This list of free credit monitoring and score services is provided as a courtesy to our clients and the public who may benefit from them. Twin Flames Strategica is not affiliated with any of these banks or credit bureaus and does not receive any compensation for these listings or links. We provide these hyperlinks as a convenient way to access these complimentary services. Clicking any of these links will take you to the official website of the service provider, and any interaction after that point is solely between the user and the respective provider.
Twin Flames Strategica is not a credit counseling agency or a law firm. The information provided is general in nature and is not a substitute for professional financial or legal counsel. We recommend consulting with a qualified financial advisor or credit expert regarding your specific circumstances.
Contact
Opening Hours
Mon - Fri: 9am - 5pm
Saturday: 10am - 3pm
Sunday: Closed
info@twin-flames-llc.com
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