M4LL

Good debt vs Bad debt

How Kenya's Wealthy Are Building Generational Wealth 💰
Key Points:
• Diversify investments
• Start investing early
• Let compound growth work
• Build wealth for future generations
Disclaimer: This content is for educational purposes only and is not financial advice. Always seek professional advice before investing.

4 Financial Ghost you must Fix.

4 FINANCIAL GHOSTS you must fix for a healthy credit.

If you notice an unfamiliar entry while reviewing your credit report, or find an error before making a major credit application, don't panic.

Most credit report errors can be corrected through the proper dispute process.
You can raise a formal Dispute for free directly with the agency hosting the error.

By law, agencies must investigate and fix confirmed errors within 28 days.

Escalation:
If the issue isn't resolved by the lender or credit reference agency, you can escalate your complaint to the Financial Ombudsman Service for an independent review.

If your complaint involves inaccurate personal data that hasn't been corrected, you can also take the matter to the Information Commissioner's Office (ICO).

PART 2: CREDIT SCORE.
Have you ever wondered why one person gets approved for a loan, while another gets turned down or pays a higher interest rate?

The answer often comes down to one thing.
Your credit score.

A credit score is a number that helps lenders understand how risky it may be to lend you money.

Think of it as your financial report card.
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Essie W. Martins
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Part 1.
Today we're unlocking the mystery of credit scores, one of the most powerful numbers shaping your financial future.
A strong credit score can open doors to better loans, lower interest rates, higher credit limits, and greater financial opportunities.

A poor score can silently cost you thousands by limiting those same opportunities.

Join me in this series as we break down everything you need to know about credit scores, how they work, what affects them, and the practical steps you can take to improve yours.

West Kiambu-UK Association.
Financial Wellbeing talk.

Essie W. Martins