Resumes by Valerie is a very PROFESSIONAL service with excellent CUSTOMER SERVICE…I recommend her services every chance I get!

– Kimberly J.

Resumes By Valerie not only prepared me a professionally resume, but she also posted my resume to the employment websites and I started receiving calls and emails about employment…

– Amy

The service that I received from Resume’s By Valerie is exceptional…she assisted me with my job search….I am currently working at a wonderful company..

– Troy

Phenomenal testimony. It is all about what you are willing to SACRIFICE to get where you want to be!

Valerie Wells As you & both know, when I first came to you via an FB post from Chad D Mills, my credit was less than stellar. It wasn’t completely horrible because I had been attempting to work on it on my own, but I definitely needed your assistance.

My scores were in the very low 500s. I created a vision board and made one to put on my refrigerator at home & one to pin to my cubicle at work. I knew that I wanted to purchase a new home & new car within a 5 year timeframe. Plus, I had always dreamed of having an AMEX card also. I also wanted to eliminate some other debts too. So I reached out to you, got started on the program & worked diligently on everything that you told me to do. I also researched business and personal credit & how to increase my scores on my own during the program also. I wanted to make sure that I knew how to be fiscally responsible once my credit was where it needed to be. No sense in letting all of your & my hard work go down the drain!

Once my credit scores got to 640 about a year or so into the program, I applied for a $180k home loan, got it & had a home built. About a month after we had been in our home, I was forced to purchase a new vehicle because the other one gave up on me lol. I never fell behind on any of my payments on any of my lines of credit. I was meticulous about paying more than the minimum amounts due on everything. I always paid $50 or higher depending on what it was and I paid everything bi-weekly just like my paychecks come. I also make an extra payment on all of my lines of credit each year. From the mortgage on down.

I realize that not everyone is able to do this but God blessed me to have a nice job in oil & gas that gives us hefty bonuses each year, so I apply my bonus to doing this. Another strategy that I implemented is the snowball effect. I pay my smallest lines of credit off first & then I add the money that I was applying towards the small bill each month to the next largest bill that I want to pay off.

In short, you have to have goals and you have to do whatever it takes to attain them. You might have to forfeit going out w/ friends & family sometimes or eating out as often. You have to find ways to reduce spending so that you can save more money to apply towards your debt. I was never really a club girl because I was a single mother & opted to stay home to care for my daughter as much as possible. I’m more of a homebody so that was cool w/ me. I cooked more & didn’t have the “good cable” lol. I didn’t go crazy shopping, and my sister did my hair for me. I only went to the nail shop for special occasions and did my pedicures & manicures mostly myself. Even though I make a nice living now & have some good investments that generate nice income, I still keep most of these practices to this day.

I love you bunches, Val and can’t thank you enough for helping me on my path to financial freedom!