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

01/19/2026

Me & my day-one best friend at a Round Rock Express game
Minor league baseball hits different — the vibes, the energy, the conversations. From 2nd grade to solving life’s problems over home runs in the lights. THIS is why we grind. For the moments. For the people. For the life we’re building

01/17/2026

I’m committed to this.

Leadership is something
I think is all of our responsibility.

I’m of the mindset that the
greatest thing we can do is
lead by example in this world.

We’ve got 8 billion people ?

Maybe more.

Everyone has a voice
and it’s total chaos.

We never know context.

We never fully understand
the situation.

It’s just everyone talking at
once to push whatever
agenda they are representing
that particular day.

Honestly it’s confusing
and makes my head hurt.

I do my best to stay
away from it all.

But that doesn’t mean
I’m not invested.

I’m extremely invested in
helping our youth and the people that are coming up behind me.

I’m committed to leading
by example.

Not with just
words but with action
and by being the right example.

By staying in my lane and
being the best husband.

The best business owner.

The best believer in God.

The most understanding
and compassionate.

The best in my field of business
as a steward.

In short by becoming
a great leader.

Efficiency is a word that gets
lost in the shuffle this
day and age.

But the fastest way from
A to B is and always has
been a straight line.

My straight line is to show
the world the right way to conduct myself and live to the best
of my ability.

I’m human and get
things wrong.

When you are doing a lot
that’s going to happen.

But I’m striving to learn and get better every single day
at showing the world the right way with not just
my words but my actions.

I think that’s the best place to start when it comes to making changes for the better in this world.

Have a wonderful Thursday.

❤️

01/16/2026

Not every win is polished. Some are raw, real, and straight from the heart ❤️‍🔥

From single moms to 9-figure earners — we’ve helped people from all walks of life. Credit struggles don’t discriminate.

But NEITHER DOES OUR SUPPORT. 💪🏾

Let’s get you to the other side 🎯

01/15/2026

Success is simply doing
what works over
and over and over.

01/14/2026

STOP waiting for a credit emergency to take action! This client pulled up early and walked away with their buying power restored

We’re not just fixing credit — we’re changing LIVES 💯

You next? 👀 LET’S GO! 🚀💼

01/13/2026

Have you ever experienced something like this ???

So awhile back a
client had an issue.

She had a tire that needed to be replaced.

I’ll call her Beth but that’s not really her name ,
I want to protect her privacy.

When she goes to the tire place
they tell her that all four of
her tires need to be replaced.

Her husband and her are hardworking people but they
just didn’t have the cash on
hand at this moment to
get those tires fixed.

Because we had raised their
credit in recent months over
sixty points she was able to
apply for credit ,
replace all four tires ,

and now Susan and her husband can rest easy knowing she’s not going to be stranded on the side of the road with her kids in tow.

Credit is so much more
than people realize.

It gives us options.

It gives us personal pride.

It gives us the ability to own
our own home.

And in this case
good credit
gave my clients security ,
safety , and peace of mind.

SO MUCH comes from
having good credit.

I’ve had poor credit and
I’ve had good credit.

Good credit is a different life.

If you’ve got any questions
about credit hit me
in the DM.

Happy to help.

I’ll put our website in
the first comment.

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 👣

Address

Waco, TX

Telephone

+19404654241

Website

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

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