4 Steps to Creating Good Credit

Establishing good credit habits and therefore a good credit rating will improve your credit worthiness.  This will be reflected in potential lenders offering you substantially lower interest rates and better deals on credit offers.

As a consumer you’ve learned the importance of establishing a good credit rating with your lenders.  Whether you are shopping for a new home or auto, or searching for the best deals on insurance, your credit worthiness will be judged by your credit rating or credit score.

A bad credit history or bad credit habits will place black marks on your credit profile.  These include things such as late payments, having an account assigned to a collection agency, and of course bankruptcy.

Here are 4 tips to help you create a shining credit profile:

1) Pay Your Bills On Time

Lenders only have your past payment history on which to decide the type of credit risk you present to them.  How you pay off your debts now indicates to them how you will pay off future debts.

2) Don’t Use Too Many or Too Few Credit Cards

How much is too much ? How little is too little ? Many credit experts and financial planners suggest two to four credit cards is just the right mix.    

3) Pay At Least The Minimum Due

Always pay at least the minimum due payment, but never less.  And remember, just paying the minimum payment means it will take you years and years to pay off that credit card. 

Example: Paying off a $2,000 credit payment at 18% APR with a minimum monthly payment of 2% ($40 dollars or less) will take you 30 years to pay off the amount plus interest.

4) Review Your Credit Report Regularly

Monitor your credit report from all three major credit bureaus – Experian, TransUnion, and Equifax – on a regular basis.  Check your credit profile at least annually.   Review it carefully and make sure that any past mistakes or disputes have been corrected.

Also, if you notice an account listed that you know that you have not personally opened, contact that creditor and the credit bureaus immediately.  This could be a sign that you’ve had your identity stolen.  Request to have a fraud alert placed on your profile and account to protect yourself and your credit.  Identity theft is the fastest growing consumer crime in America, with an estimated 1 million people victimized each year.

Establish good credit habits early in life and reap the benefits that your good credit rating will provide you for the rest of your financial future.

Need Help With Your Credit & Finance? Enroll into Our Credit Builder Program.

Urban Grace Presents The Brunch & Trap + Bottomless Brunch+ Day Party + Hookah Philadelphia This October

Urban Grace Presents:

Enjoy Nothing But Brunch and Trap Vibes!

Exclusive Saturday Party Brunch on October 27th, 2018!

We bring you a unique vibe in the heart of Philadelphia, PA. Come enjoy great cuisine and jam to the vivacious sounds of music from PHILLY’S TOP DJs.



Amazing Drink Specials















*Addtional $25 For Henessy/Moet/Patron*




*Addtional $50 For Henessy/Moet/Patron*




*Addtional $100 For Henessy/Moet/Patron*

First 50 Ladies and First 50 Gent’s were free but those tickets are sold out get tickets here.

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How to do Half up/down w/INVISIBLE Ponytail

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Hello Dolls! Another invisible weave slay. How cute are up/down ponytails the good thing is the hair can be sew-in in so it serves as a partial protective hairstyle.

You should purchase good quality virgin hair. Make sure your hair is washed and deep conditioned with a good heat protector because this style does use heat.

You can wear it straight, curly, natural , and with braids.

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Check it out Here:


and another one



How to do Feeding Ghana Braids aka Slim Thick Braids


Ghana Braids are very flattering for most face types it’s halo affect make’s your face appear rounder and fuller.Now, For every braiding routine you want to start your hair blown out and washed for your hair stylist. The feeding braid is named that because of the “mini” cornrows that lay in between the bigger braids. The hairstyle normally takes 30 minutes to an hour depending on the size of the braid. To add more femininity to the hairstyle adding jewelry will give it that extra look. The feeding Ghana braid hairstyle has been around for a long time as women would do small Ghana hairstyles into ponytails in the 90’s. This summer millennials(younger audience) are bringing it back with the two strand Ghana braids on tumblr and side swept with a part (one of my favorites). I recommend you use a toothbrush to gel down a little bit of your baby hair or edges and tie it with a scarf at night to get a very cute look. You want to also wear a scarf to maintain it and keep them from frizzing. It’s a great protective style for all hair types. Don’t forget to like, comment, share, and subscribe.

Check out the tutorial:


Today in Hip Hop News

“One Dance” Remix

Justin Bieber released a remix to Drake’s “One Dance.” At an exclusive party,  the DJ played the remix for the crowd. Attendees recorded the song in two videos of the song. Actress Gabriel Union snapchatted “Justin on Drake remix … 1st time heard anywhere.”

New Year Resolution in May

In a tweet, Soulja Boy announced that he has dropped all artist from his label, SODMG, and is starting anew for 2016. This is following his claim to have signed a $400 million deal that was later debunked. The rapper is actually paid in stock and the deal is capped at $400 million, based on pure optimism because the company, World Poker Fund, is valued at $52 million.

Drake is Winning

For the fourth consecutive week, Drake’s  VIEWS is at No. 1 on the albums chart, according to Billboard.

Here Comes Baby

A bit of old news is that Angela Simmons announced her pregnancy on Instagram. After implicitly denying the rumors, Simmons writes that she is “we are overjoyed and super excited to receive a blessing this big! Starting a family was something that I could have only dreamed of.” Congratulations to her and her mystery fiance.


A Cheap Guide to Your Summer Body

Two Women Exercising With Weights

The official first day of Spring is still fresh is our minds. That means we will soon be replacing coats and thermals with bikinis and crop tops. Getting fit is requires determination and consistency but it definitely does not require a large budget and here’s why.

Skip the Monthly Gym Memberships

The gym membership is nice because it houses everything you need at one location at convenient hours, especially 24 hour gyms. However, social anxiety, inconvenient hours, cost or simply just not wanting to go can be huge deterrents. With an internet connection, a soft floor and optional cans of peas or what have you, you can transform your living room into a gym. YouTube fitness instructors offer sublime advice and instructions with full-length videos that are guaranteed to get your heart racing and blood pumping. My personal favorites are FitnessBlender and BeFit. They offer a consistent stream of professional, full-length videos with a wide range of exercises and instruction. A jog around the neighborhood is also a free option for working out and requires 30 minutes of your time.

Free or Donation-based Yoga Classes

Yoga can honestly be done anywhere. And that point has been repeatedly made with many yoga classes taken place at parks and beaches. You too can take part in these classes with little to no cost. Community yoga classes can take place at local parks, with the recreation department, or even your local church. YogaToday.com is the Netflix of yoga that provides free weekly videos that range from beginner to expert. Furthermore, MeetUp presents many opportunities to engage with like-minded individuals so why not connect with other  yogis or exercisers.

Eating Healthier by Starting Small

Eating healthy is another barrier. With numerous quick fix solutions being peddled on Instagram and healthier food options being more expensive than its counterparts, changing one’s diet can be expensive and difficult. Rather than haul out your kitchen, small changes can do the trick. Portion control, decrease in snacking or switching out one option such as chips for nuts or apple, can offer valuable benefits.




Who is Kehlani?


Kehlani Parrish is a tattooed, Grammy-nominated singer. Her mixtape, You Should Be Here, was critically-acclaimed and nominated for Best Urban Contemporary Album at the 2016 Grammy Awards. However, Kehlani may now be known as a “SoundCloud artist” that was accused of cheating on Kyrie Irving, Cleveland Cavaliers point guard, with PartyNextDoor, singer. She was then prosecuted by the internet, trending on Twitter, and eventually hospitalized after a failed suicide attempt.

Since January 2016, Kehlani and Irving have been together based on photos shared on social media. At the end of March, PartyNextDoor posts a picture of Kehlani and him in bed together with her confirmable “WOKE” tattoo on her hand. The caption read: “After all her shenanigans, still got the r&b singer back in my bed” Why? It’s anyone’s guess.


That one picture led to the allegation that Kehlani was cheating on Irving with PartyNextDoor. The internet picked sides and attacked the supposed infidelity. Chris Brown was noteworthy critic who bashed the Kehlani for both the cheating and “faking” her suicide attempt. Other celebrities, such as Nick Cannon, JoJo, and Questlove, offered support.

Kyrie Irving went on to say, in a series of tweets, that:

“It’s been hard to see what’s been going on and not address the truth. I do not justify the picture or what dude did to try and spark all of this non sense that could have been avoided, but me and Kehlani were not dating when the picture came out. It’s unfortunate that it’s received so much attention but its become bigger because of a post that was misunderstood. Nothing but love and compassion over this way for her and her family. My only focus the Game I love to play every night.”

After a lengthy denial and attributing PartyNextDoor with saving her life, Kehlani deleted Instagram and Twitter. It was reasonable as she was transformed into a meme. She has since returned to Instagram, @kehlani.

Essentially, Kehlani was a promising singer whose career and reputation has been tainted after being prosecuted by the internet for allegations and misunderstandings.