Strategica: Empowering your financial future
Twin Flames Strategica offers complimentary financial services and credit advisement, designed to empower you to improve your credit scores. Let us help you navigate the path to financial well-being.
Our services
We offer a range of complimentary specialized services tailored to meet your individual needs. Our approach is focused on understanding and responding to what you require, providing effective and practical solutions.
Strategica
With Strategica, we offer complimentary financial services and credit advisement, designed to empower you to improve your credit scores. Let us help you navigate the path to financial well-being.Learn about goodwill adjustment letters, a powerful tool for potentially improving your credit score by requesting the removal of accurate, negative information from your credit report. It is a legally sound and potentially effective strategy for improving one's credit report.
Pulse
Welcome to Twin Flames Pulse, the dynamic marketing division of Twin Flames. Igniting your brand with fiery ingenuity, we transform potential into profit through unparalleled creativity and strategic execution. Led by Amanda, a marketing genius who blends creativity with business applications. Let's connect and amplify your brand's voice. Twin Flames Pulse offers a comprehensive suite of services designed to elevate your presence and dominate your market. From digital dominance to brand creation and engagement, we offer 5-star customer service and a results-driven atmosphere.
Core
Where your fitness journey transcends the ordinary! With over 20 years of apex personal training experience, from the raw energy of open-air gyms to the elite studios of San Francisco, Ron & Amanda bring a unique, results-driven philosophy to your fitness journey. We believe in a holistic approach that builds a foundation of strength, resilience, and vitality. This isn't generic programming. This is bespoke coaching, mirroring your drive with our unparalleled expertise. We offer an intense, perfect union of disciplined strategy and dynamic energy to guarantee you exceptional results.Discover the five core elements of fitness that will transform your life with 5 Star Customer Service: Cardiovascular, Strength, Flexibility, Stabilization, and Nutrition.
Evolve
Welcome to Twin Flames Evolve, where we delve into the art of storytelling forged in the crucible of real-life experience. As a Sergeant in the United States Army Infantry with a 4-Year Film School Degree from San Francisco State University and in the blistering crucible of Operation Iraqi Freedom III, Ron forged a writer's soul from the visceral realities of combat, earning a Combat Infantryman Badge and a ARCOM with “V” Device. Ron’s authenticity, far from the sterile classrooms of his San Francisco State University education, fuels the heart of Twin Flames Evolve, a screenwriting powerhouse where life's rawest edges are carved into breathtaking narratives. Twin Flames Evolve offers a range of specialized advice and services to meet your individual Screenwriting needs.
Understanding your credit score
Your credit score is a vital component of your financial health. We'll help you understand the factors that influence it and how to improve it.
Experian Boost & Experian Simulator
Experian Boost and Experian Simulator services provide a robust, risk-mitigated blueprint for optimizing a FICO® Score.
Twin Flames Strategica offers Complimentary Credit Advisement .
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, even if only the minimum amount through auto-pay. Late payments, collections, and bankruptcies negatively impact this score, as payment history has a 7 year memory.
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 balance low is crucial for a good score. A low revolving utilization ratio is particularly important, as, in most FICO models, Credit Utilization is a snapshot which only has a 1 month memory.
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 below, providing transparent and flexible financial insights.
Experian Boost & 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 better, more improved, payment 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 credit score boost 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 percentage 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 within the proper days needed for your balance to lower to the amount you need (<30% = Good, <10% = Exceptional) just before your statement closing date to intentionally, strategically, and SIGNIFICANTLY BOOST your credit scores through RAPID CREDIT UTILIZATION REDUCTION the appropriate days needed before your statements closing date to reflect your drastically lowered credit balance, thus potentially boosting your credit scores when your statement is reported to the 3 major credit bureaus that month, 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 "auto-pilot" (e.g., payment history through auto-pay, 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 boosting your credit score at the precise month it is needed for a loan application.
Payment History - 35% of the majority of FICO Scores used for Auto and Vehicle Loans:
Payment History as a "7 year memory" (hence, the importance of auto-pay, even for the minimum amount paid for the month in need to prevent any missed payments).
Credit Utilization - 30% of the majority of FICO Scores used for Auto and Vehicle Loans):
Credit Utilization only has a "1 month memory" as it is only a snap shot of that month's statement date.
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.
Goodwill adjustment letters: a helping hand
Learn about goodwill adjustment letters, a powerful tool for potentially improving your credit score by requesting the removal of accurate, negative information from your credit report. It is a legally sound and potentially effective strategy for improving one's credit report.
The benefits of goodwill letters
You can find free and legal goodwill adjustment letter templates online from various personal finance and consumer advocacy websites, such as Bankrate, NerdWallet, and the CFPB. These letters are templates you can customize with your specific information to request that a creditor remove a negative mark, like a late payment, from your credit report. The key is to be polite, take responsibility, explain the situation, highlight your positive payment history, and clearly state your request for a goodwill adjustment.
How to write a goodwill letter.
Include your information: At the top, include your name, address, phone number, and email, along with the date and the creditor's contact information.
State the purpose: Begin by clearly stating the reason for your letter, such as a late payment on a specific account.
Explain the circumstance: Briefly and honestly explain the reason for the late payment. Avoid making excuses, but provide context if appropriate, like a job loss or medical emergency.
Take responsibility: Acknowledge that you made a mistake and take full responsibility for the late payment.
Show a history of good behavior: Mention your positive payment history before and after the incident to show this was an isolated event.
Provide supporting documents:
If you have any documents to support your explanation, include copies with your letter.
Make a specific request:
Clearly state what you are asking for, such as the removal of the late payment mark from your credit report.
End politely:
Thank the reader for their time and consideration.
Send it correctly:
Send the letter via mail to the creditor's main address to ensure it receives proper attention.
Disclaimer: The information provided above, including the description of how to write a goodwill letter and references to potential sources for templates (such as Bankrate, NerdWallet, and the CFPB), is intended for general informational and educational purposes only. It is not a substitute for professional legal, financial, or credit counseling advice.