3B Credit Health

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Waco, TX
3B Credit Health

Reputable company that specializes in helping you accomplish your credit goals. 3bcredithealth.com

01/12/2026

Thinking about settling a debt with a collector? Let me save you a lot of money right now. 👋 I’m Kevin Faulkner, founder of 3B Credit Health — We’ve helped tons of people fix their credit, buy homes, and move forward. Here’s what you need to know: ➡️ Debt collectors buy your debt for pennies on the dollar. The faster they settle, the more money they make. So don’t rush. 🧠 The older the debt, the more leverage you have. Negotiate smart — you could settle for way less. Hope this helps. ✅ Drop a like, follow for more credit tips — and I’ll see you soon!

01/11/2026

Staying focused on
what matters is one of the
greatest super powers on earth.

In a world that no longer
has focus ………

It’s the true separator.

01/10/2026

Do you want to control your life instead of your life
controlling you ???

If you are feeling overwhelmed
and trying to get ahead
this will help.

I saw a post from a friend
this morning and he was talking about how his bank basically
asked him why he was
withdrawing a large amount
of money.

My response in the comments
got me thinking big time.

Banks are an interesting sort.

When I’m doing my credit presentation for companies
I lean into this very hard.

Banks are always trying to protect their money.

They want it out there making interest.

But they want it as safe as possible.

That’s why utilization matters so much to a credit score.

It freaks out the algorithms
which set our credit score because they don’t know if we are going to pay those credit cards that are maxed out.

It’s the same with inquiries.

Inquiries can effect a credit
score up to 15 points each just because to the bank they
are wondering why we are looking for money.

Are we in trouble ???

Did we over extend ???

Is their money safe in our hands ???

If it isn’t ,
they want to move it to another resource.

Even if they don’t make as much interest on that money.

If it’s safer in their eyes then
they are winning.

Thats another reason that a lot of times if we get behind on credit cards they will close them as soon as we get caught back up.

They are taking their money
back to reallocate it
to a safer risk.

Back to what I was talking
about at the beginning of the post.

Make no mistake …..

Banks are here to make money.

Their job is to
acquire , keep , and use ,
our money.

If you walk into a bank with good credit and cash ???

They will follow you out the door with the same velocity as a used car salesman at the end of the month.

That’s why credit is
SO important.

It gives us the upper hand and control over the banks ,
who work FOR us,
when we have good credit.

Billions of dollars are made each year by people and companies
who leverage
good credit to borrow money from one bank and make money from another.

What my friend may not have realized is that
banks are a just a tool.

No different than using a hammer
to put a nail in the wall.

If you need help with credit
so that you can take control once and for all …….

reach out.

I’m here to help you.

PS - if you have a team and would like me to do this presentation for them so that they understand better how to use the money they are making with your company
reach out in the DM.

I’d love to pour into them.

Check out this testimonial
from a client.

01/09/2026

Getting Blown Up by Debt Collectors? 📞🚫

Hey, I’m Kevin Faulkner — owner of 3B Credit Health 💼 We’ve helped tons of people fix their credit & get into homes 🏡 I was talking to a client today who was getting called nonstop at work by collectors 😩 I’ve been there too — when I started this biz in 2020, my score was in the 500s and I was getting those same calls. 📢 Here’s what I told them: If they’re calling your job, tell them not to call you at work. If they ask for another number, you’re not required to give them one. They legally have to stop. You don’t have to live like that. There are ways to take control 💪 If this helped: 💬 Comment below 👍 Like it 👣 Follow for more real credit tips

01/08/2026

Testimonials are
worth more than money
ever will be.

If you are in business you understand.

Testimonials give birth to
money because they prove
that you are who
you say you are.

You can say whatever you want
about me or my company

But we know how to earn
a testimonial.

We get results

This is one of my favorite
types of clients.

A fellow entrepreneur.

This person signed up
awhile back and has stayed
with us while we cleaned up
their entire credit report.

They’ve done the work
on their end too.

I still remember the day
this client got an
American Express.

It’s been awhile but it was
a major milestone.

Good things happen when
we invest in ourselves.

Whether it’s our credit
or other aspects of life.

This particular investment
will save this
client hundreds of thousands
of dollars over the next few
years in interest alone.

I’d make the argument that
investing a small amount with
us to help get them headed
in the right direction was one
of the best financial moves
they will ever make.

Let me know if you are
currently where
this client was awhile back.

Life's too short to be
intimidated by a three
digit number.

Let’s set up a time to
see how we can help you.

We are the best in the
business at it.

I’ll put my website in
the first comment.

Check out our testimonials
while you are booking a time.

01/07/2026

How Many Credit Cards Should You Have? 💳 Quick tip: ✅ 3 credit cards is the sweet spot. That gives you up to 40 points toward your credit score 📈 ❌ More than 3? Could raise red flags for lenders 🚩 They might wonder why you need so much credit — and that can hurt you. Stick to 3 for the best results 👌If this helped, drop a like 👍Leave a comment 💬Give me a follow 👣

01/06/2026

They say sports aren’t important.

I still remember a play in
middle school football.

I believe this was our first year ,
so it would have been 7th grade.

This particular scrimmage
the quarterback got intercepted.

It looked like a pick six situation
and the kid who intercepted
the ball was off to the races.

Our offense quickly became
a defense.
The problem was everyone
had given up.
Nobody was chasing
him down.

Except me.

I was after him and making
good progress.

At the end of the play he was
almost to the end zone and
I knew I had to dive at him.

And I did.

But I didn’t do my best.

I’m not sure what happened
but fear took over.

I didn’t dive at him with
everything I had.

I had chased that kid probably eighty yards down the field
and right before I could have
made a huge play for my team
I gave up on the play out of unexplained fear.

I’ve regretted that for
the last forty years.

And that regret might be the best thing that’s ever happened to me.

Because at the age of 54 years
old I know that I’m not
quitting on any plays again.

Make sure there aren’t any
plays you are quitting on.

Failings not easy.

But giving up and having
to live with that is unbearable.

Keep Growing 👊

01/03/2026

Credit issues can
happen to anyone.

I had problems myself
with credit.
That’s how I ended up
in this business helping
others

A lot of it is mindset
and fear.

We are intimidated by
it because we weren’t taught
about credit when
we were young.

It got away from us
and snowballed.

Now we are s ared to even look
at it and we dont feel good
about that

I was there not too
long ago myself.

Now I’m well into the
700’s and headed
toward 800.
It’s not out of your
control either.

There’s no reason to give up
on your dreams because of
a few mistakes where
your credit score is concerned.
Let us help you.

We will create a customized
plan for you and give you
step by step directions.

A blue print to the life
and buying power that
you want.

We’ve got you.
And you will understand
credit once and for all.

As your options grow because
your credit score grows we
are right there to guide you.

Investing in credit repair is
absolutely one of the
most no brainer things
we can put money into.

Making our dreams of home ownership and giving our kids
a place to lay their head down
At night without having to worry about
“moving because
rent went up” is priceless.
If you are struggling
reach out.

Let’s get you back on track.

Here’s a testimonial a client
just sent who did just that
a few short months ago.

Oh btw -
I’ve got a GREAT presentation
that shows strategies and
makes credit make sense.
We tie it ALL together.

Reach out if you’d like us to
do this presentation for
your team , group , or organization.

We’d love to help.

I’ll put our website in the first comments.

01/02/2026

Self-awareness > Flexing 💯 It’s easy to flex and put on a show, but real strength comes from vulnerability and growth. When you work on your flaws instead of hiding them, that’s when the real transformation happens. Don’t be afraid to admit when something’s off—fix it, and watch yourself pass everyone up.

12/31/2025

“A hidden credit gem most people miss 👀💳” If you’ve got a positive account only reporting to ONE bureau— you’re leaving points on the table! Here’s what to do: 📸 Take a screenshot of that account 📝 Fill out a “Request Addition of Account Histories” form 🔗 Get it from Nolo.com 📤 Send it to the other bureaus

12/30/2025

Greatness doesn’t make excuses.

Let’s build.

12/29/2025

Don’t let inconsistencies on your credit report stop you from getting the loan you need. Clean it up and look as stable as possible. 🔑

Address

Waco, TX

Telephone

+19404654241

Website

https://go.3bcredithealth.com/calendar

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