Taxes by Chrysanthemum

Taxes by Chrysanthemum I am the owner of Taxes by Chrysanthemum and I look forward to helping you maximize your taxes!

05/22/2026

Nobody really talks about the pressure of being the “strong one.”

The one everybody calls. The one everybody depends on.
The one expected to keep going no matter what they’re carrying internally.

Sometimes the strongest people are the most emotionally exhausted.

05/20/2026

The older I get, the more I realize closure is a luxury.
Sometimes people won’t apologize.
Sometimes you’ll never get the explanation.
Sometimes healing is accepting that and moving forward anyway.

05/19/2026

One thing about life… people will overlook you when you’re building, then question you when you finally glow different.

Nobody claps for the sleepless nights, the sacrifices, the crying, or the rebuilding season. But they’ll definitely notice the results.

05/17/2026

Sometimes the reason people think you changed is because you stopped being available for things that were draining you.

Not everybody deserves unlimited access to your time, energy, and peace.
Growth will have you saying “no” without writing a 3-page explanation.

05/16/2026

One of the hardest pills to swallow is realizing some people only liked the version of you that required less from them.

The quiet you.
The struggling you.
The always available you.

But the healed, confident, boundary-setting version of you?
That version makes some people uncomfortable.

05/15/2026

Sometimes people aren’t “switching up” on you…
they’re just finally matching the energy you gave them all along.

That’s why self-awareness is so important.
A lot of relationships don’t end from hate — they end from feeling unnoticed, unappreciated, or emotionally exhausted.

05/12/2026

Paying a collection doesn’t always help your score
If the account is still on your report, it can still hurt you.

If your negative accounts are $1000 or less, you may benefit from a PAY TO DELETE. Offer them 50-70% of the actual debt.

If they agree to your terms, make sure you get it in writing!

❌ DON'T PAY A DIME UNTIL YOU HAVE THAT PAY FOR DELETE AGREEMENT IN WRITING!
✅Once agreed payment is complete, the negative account should come off within 30 days.

05/11/2026

Let me tell you a little about why I do this work.

I'm a tax pro — and over the years, I started seeing a pattern
with my clients.

They would come to me for taxes and just like clockwork, "Do you do credit too?" Ran across so many people getting beat over the head with high interest rates because their credit is trash.

A lot of the time? The problems on their credit reports weren't even fully their fault. Errors. Outdated items. Things that should have been gone years ago.

I started learning everything I could about the credit dispute process, consumer rights under the FCRA, and how to actually help people move forward.

Now I combine both — tax expertise and credit restoration — to give my clients a more complete picture of their financial health.

I'm not a big company. I'm one professional who actually cares about your outcome.

If that's what you're looking for — I'm here. 📩

05/09/2026

This one thing makes up 35% of your credit score. ☝️

Payment history.

Not your income. Not how much you have in the bank.
Just: Do you pay them bills on time? 👀👀

Here's where it gets real:
One 30-day late payment can drop your score 50 - 100 points.
And it can stay on your report for up to 7 years.

The fix?
→ Set up autopay for at least the minimum on every account
→ Set calendar reminders as a backup
→ If you've already missed payments — there are still steps you can take

Late payments don't have to define your credit forever. There are legitimate ways to address them, especially if they're old or inaccurate.

Want to know your options? Send me a message — that's exactly what I help with. 👇

05/07/2026

This one thing could be quietly dragging your credit score down right now. 👇

It's called your credit utilization ratio — and most people have never heard of it.

Here's what it means: if your credit card has a $1,000 limit and you're carrying a
$700 balance, your utilization is 70%. That's too high.

The rule of thumb? Stay UNDER 30%. Ideally under 10% if you want the best scores.

So even if you pay every single bill on time — if your balances are high relative to your limits, your score is being penalized for it.

The good news: this is one of the fastest things you can improve.
Pay down balances. Ask for a credit limit increase. Both help.

Small changes here can move your score meaningfully — sometimes within 30 days.

Questions about your specific situation? Drop them below or shoot me a DM. 📩

05/05/2026

Nobody taught us this in school — and that's the problem.

A lot of people think their credit score is just a number that shows how "good with money" they are. But that's not really how it works.

Your score is actually made up of 5 things:
✅ Payment history (35%) — do you pay on time?
✅ Amounts owed (30%) — how much of your available credit are you using?
✅ Length of credit history (15%) — how long have your accounts been open?
✅ New credit (10%) — how often are you applying for new credit?
✅ Credit mix (10%) — do you have different types of accounts?

Here's the thing — if your score isn't where you want it, it's probably being dragged down by ONE of these factors. Not all five.

That means it's fixable. And it's more manageable than most people think.

If you've been curious about where to even start — drop a comment or send me a message. I help people figure this out every day. 👇

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