NAVIV Capital

04/11/2026

Stay Humble!

01/11/2026

Start 2026 off right💳

‼️‼️‼️Here is the gameplan for a strong credit profile with an “EXCELLENT” (usually 750+) credit rating so you get the best rates and approvals:🔑🔑🔑

To have an Excellent Credit Rating (750+ score):

You want to have 2 things:
1. 0 BAD accounts (derogatory, delinquent, collection, etc. ) (35% of score) and …
2. 5+ GOOD active credit accounts structured as follows…

-at least one active credit card and one active loan (10% of score)
-below 7% utilization on your credit cards by the statement/closing date (30% of score)
-average age 5 years or more (15% of score)
-no more than 3 inquiries (10% of score)

1️⃣Make sure you have nothing negative on your profile like late payments missed, payments medical bills, chargeoffs, etc. You can dispute yourself or use my credit repair process to dispute all of your items to have them removed. Either way make sure you have ZERO negatives.

2️⃣Make sure you have at least 5 active credit accounts reporting on your profile. At least one of them needs to be a credit card and at least one of them needs to be a loan. There are different credit builder programs you can use to get each without having to get a car loan or anything major.

3️⃣ Make sure that credit card balance is 1-7% or less of your total limit on your statement date.

4️⃣ You want the average age of those accounts to be at least five years old so make sure you keep those credit cards paid and open. Your greatest age will come from your credit cards usually.

5️⃣Make sure you don’t have any more than two or three inquiries within a short period of time.

So you want to have zero negatives, five active accounts, credit cards and loans with at least one of each, average age 5 years, 9% or less utilization on that credit card, and no more than two or three inquiries in a short amount of time. For a mortgage profile you need to have zero negative and only need three active accounts, credit cards and loans with at least one of each, and the age only needs to be at least a year old with most lenders.
🏡💳🚗🔑

11/22/2025

https://www.protectionthatpays.com/RThervil1

If money stress has been holding you back, it’s time to change that story.
Our protection program gives you the tools to rebuild your credit, reopen bank accounts, and confidently prepare for future funding opportunities.

It’s not about perfection .. it’s about preparation.

You don’t need to be wealthy to take control.
You just need the right steps… and the right guidance.

Let’s talk … in the real world, about real solutions that work.
Click the link. I’ll see you inside .

https://www.protectionthatpays.com/RThervil1

11/19/2025

Going to bed feeling unstoppable tonight.
Today, I found myself in rooms I never imagined I’d be invited into — and it humbled me and lit a fire inside me at the same time.

I’m grateful… and I’m ready.
Ready to grow. Ready to lead. Ready to make an impact with incredible people beside me.

Bigger rooms. Bigger blessings. Bigger purpose. 🙌 who is ready to win?

11/18/2025

Helping 5 Parents Enhance Their Credit So They Can Buy A Home 🏡.
Who wants a 🏡 in 2026?

11/09/2025

Netflix (NFLX) announced a 10-for-1 stock split, turning each $1,089 share into 10 shares around $108.90 when trading starts November 17.

Officially, it’s to help employees with stock options — but let’s be real, when your stock tops $1,000, you’re in elite company (only nine other S&P 500 firms can say the same).

NFLX is up 42% over the past year, and shares jumped 2% on the news.

A split doesn’t change Netflix’s value — it just divides the same pie into more slices — but it does make the stock easier for retail investors to buy.

This will be Netflix’s third stock split, after 2004 and 2015.

🥡 Takeaway: Stock splits don’t alter fundamentals, but they often boost buzz and trading activity. Keep an eye on the price as it trades split-adjusted on November 17.

10/01/2025

Palm beach County and surrounding areas.. you can’t miss this!
Dm me to RSVP asap.

09/10/2025

CREDIT TIP!!! CREDIT TIP!!!
Credit card utilization is important and imperative when you're trying to maximize your credit score. Utilize these tips and you're winning the game!!

09/03/2025

08/04/2025

You can be a good person with a kind heart and still say NO.