Ranglin Coaching & Consulting

Hey! Financial institutions make money through interest and fees. Your goal should be to strengthen your credit, borrow strategically, and keep more money in your pocket.

A credit score of 740 or higher may help you qualify for more competitive rates—but your score is only one part of your overall financial health.

Are you paying too much interest, struggling with debt, or unsure how to improve your credit? You don’t have to navigate it alone.

Connect with Coach Lisa for confidential, personalized credit and financial coaching.

🌐 www.ranglinassociates.com
📧 [email protected]
📩 Or send me a direct message.

You get the power in your hands. Stop letting a low credit score cost you money that could be invested in building wealth for you and your family.

Improving your credit may help you qualify for lower interest rates on car loans, mortgages, credit cards, and other financial products. Your current situation is temporary—but only if you take action.

Take control of your credit. Keep more of your money. Build a stronger financial future.

📩 DM Coach Lisa today or email [email protected] to get started.

Hey there,

This is a credit education post, and I hope it helps someone begin getting their credit back on track.

If you have a low FICO® Score or are facing credit challenges, please know there is hope. With the right information, consistent action, and accountability, you can work toward stronger credit.

Your FICO® Score is influenced by:

Payment history — 35%
Amounts owed — 30%
Length of credit history — 15%
New credit — 10%
Credit mix — 10%

Pay your bills on time, keep credit card balances low—ideally below 30% of each limit—and avoid opening too many accounts at once. A healthy combination of revolving and installment accounts may also help when managed responsibly.

Ready to start rebuilding your credit? Start now! DM Coach Lisa, your guide and accountability partner, for personalized support and practical next steps.

📧 [email protected]

Credit improvement takes time, and results will vary based on your individual credit profile.

Hey - are you ready to go from broke to Budget Savvy?

Did you know that basic money management skills can transform your financial life from overwhelming chaos to confident control? Don't do it alone....connect with us at https://www.ranglinassociates.com/ to book your confidential chat or DM us! Let's work together at your own pace!

Hello Community! Did you know your credit score is made up of several key factors — and understanding them can help you improve your financial future?

Experts recommend reviewing your credit report at least once a year at FreeCreditReport.com to monitor your progress, catch errors, and protect your financial health.

Here’s how your credit score is typically calculated:

** Payment History — 35% to 40%
Your history of paying bills on time

** Amounts Owed / Credit Utilization — 20% to 30%
How much debt do you carry compared to your available credit limits

** Length of Credit History — 15% to 21%
The age of your oldest and newest accounts, plus the average age of all accounts

** Credit Mix — 10%
The variety of credit accounts you manage, such as credit cards, car loans, mortgages, and installment loans

** New Credit / Hard Inquiries — 10% to 11%
How often you apply for new credit and the number of recent credit checks on your report

Small, consistent steps like paying your bills on time, reducing balances, and monitoring your credit can create long-term financial opportunities. Remember, knowledge is power. Understanding your credit and taking control of your financial future can lead to stronger money habits, greater financial stability, and more opportunities over time.

Too often, people feel pressured to dim their light to make others feel comfortable. At Ranglin Coaching & Consulting, we believe your purpose is not to shrink — it is to grow, lead, and inspire.

Your talents, voice, leadership, and unique gifts are meant to be fully embraced. Own your accomplishments. Walk confidently in your expertise. Use your success to create opportunities, elevate others, and contribute to building stronger communities.

Growth begins when you stop comparing yourself to others and focus on becoming better than you were yesterday. That is where confidence, resilience, and true leadership are built.

I am intentional about continuing to grow, evolve, and create pathways for others to rise alongside me. There is room for all of us to succeed.

If you are ready to elevate your leadership, strengthen your confidence, advance your career, or grow your business, let’s connect. Ready to elevate your leadership, career, or business?
Schedule your FREE 20-minute consultation today.
📧 Contact us at [email protected]

✨ Your next level starts when you stop dimming your light.

Hey there — are you applying for jobs you know you could do in your sleep, yet still receiving no callbacks or even acknowledgements?

The job market has changed, and now may be the right time to connect with an executive coach who understands today’s hiring landscape and knows how to help you position your current skills to solve today’s business challenges.

Let’s connect and work together to reignite your passion, build your confidence, and create a strategy for your next chapter. Stop feeling discouraged and stop comparing yourself to other job seekers. The focus should be on positioning YOU for success.

Sometimes success is not about starting over — it’s about gaining clarity, pivoting strategically, and learning how to leverage the skills and experience you already have in a way that meets current market demand.

The time is now to design your own success story. You do not have to navigate the journey alone. Connect now at RanglinAssociates.com

Did you know the Black homeownership rate in the U.S. is only about 44%, which is nearly 30 percentage points lower than the white homeownership rate?

Many families still face barriers such as low credit scores, limited savings, affordability challenges, and difficulties accessing mortgage financing. But despite these challenges, homeownership remains one of the most powerful ways to build generational wealth and long-term stability.

As a real estate professional, I’m passionate about helping individuals and families navigate the path to homeownership, whether you have excellent credit, low credit, no credit, or simply don’t know where to start.

If you’re thinking about buying a home in Rhode Island or Massachusetts, I’d love to help guide you through the process and connect you with resources that can help close the gap
DM be now or email me at [email protected]

Your dream of homeownership is possible. Ready? Let go!
REMAX Revolution

Have you ever been passed over for a promotion?

It’s a moment that can be difficult—but also defining.

I’ve been there. And while it’s easy to focus on what didn’t happen, I’ve learned that these moments often reveal where we need to take greater ownership of our growth and visibility.

One of the most powerful shifts for me was becoming more intentional about my one-on-one conversations with my manager.
Not just showing up—but showing up prepared, aligned, and clear on expectations, goals, and impact.

Your one-on-one is not just a check-in—it’s a strategic opportunity to:
✔️ Advocate for your growth
✔️ Align on performance and expectations
✔️ Gain real-time feedback
✔️ Ensure your contributions are visible and understood

The question becomes: Are you leading that conversation, or simply participating in it?

Growth doesn’t always come from the outcome we expected—but from how we respond to it.

I’m curious—have you ever been passed over for a promotion? What did it teach you?

After 20+ years in corporate leadership and now coaching professionals across industries, Lisa has seen one thing clearly:

Hard work alone doesn’t guarantee advancement.

What does?
✔️ Clarity on your strengths
✔️ Strategic positioning
✔️ The confidence to advocate for yourself

Through my work, I’ve helped 250+ professionals advance their careers—many securing promotions, new roles, and increased compensation.

If you’re feeling stuck, it may not be your ability—it may be your approach. It might be time to shift from working harder…to working smarter.

📅 Book your FREE 20-minute consultation:
https://www.ranglinassociates.com/