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By Valorey Salter
Valorey is a Mortgage Loan Processor and Certified Financial Health Coach.
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002 - Stress and Money


002 - Stress and Money


003 - Why Would an Employer Need to Check My Credit?
Why Would a Potential Employer Need to Check My Credit? “I lost my job due to COVID-19, so I’ve been desperately seeking employment. I’ve put out several applications and finally got a call back to interview. During the interview, they told me that they perform a credit check on the person that they choose. Why would a potential employer need to check my credit?” Thank you to a loyal friend and client for this question. There are many reasons why a potential employer will want to check your credit before you are officially hired. We will go over those reasons in this blog post, as well as what they can see, your rights, and if the state of your financial health will cost you a great job. According to, in 2018 approximately 95% if employers used some type of background screening in their employment process. However, only 16% will ask to pull your credit. Background checks are needed for a multitude of reasons and resources such as: Criminal background Identity verification Credit report Education verification Driving records Drug & Alcohol testing Sex Offender Registry Professional License Verification International check Social Media But, why would they need to check my credit in the first place? This practice is most common where you are being considered for a leadership position, jobs that involve money, jobs where you would be responsible for confidential information, and many more. If it doesn’t make sense to you, be honest and ask why they perform credit checks and what they are looking for. This is a great way to set your mind at ease while you await to complete the employment process. For example, if you are being considered for a position in a bank, it would make sense that they wouldn’t want someone with a background of embezzlement. It can also give a good indication if you are truthful with the information on your application and what you told them during your interview. For more information, visit  Follow me on Instagram and TikTok - @itsvalorey 
June 29, 2020
002 - Stress and Money
Living paycheck to days before the next paycheck, having no savings, no emergency fund, your credit is shot. I’ve been there. I had dream boards with all of these out-of-reach desires staring me in the face everyday. I even wrote myself a check for $1 million dollars. The future date on that I put on that check expired 3 years ago. I’ve even switched banks since then. And yet, still not a millionaire. I was completely stressed out about money, finances, and my credit. My credit report once filled with negative remarks, delinquent accounts, closed accounts, mountains of student loan debt yet. My BSBA//Business Marketing was being put to work as a Content Manager at the age of 37 for a marketing agency at a lousy $13 per hour. As a single mother with two teenage boys and a darling little girl, this wasn’t going to cut it. College educated women who desire and deserve to work in the upper-management or executive leadership roles tend to approach their goal right around the time they want to start their families according to Tiffany Dufu, author of Drop the Ball. She goes on to report that women make up 53% of corporate entry-level positions, but only 14% in the executive levels. Nearly 95% of male executives are married with children. All of this math and statistics tell us that 7% of corporate executive women are married and less than 4% are married with children. This is a huge problem. Why are these women opting out, or not being allowed or limited to meet diversity laws (in some companies)? I have taught many other women to fix their credit and buy a home all while I was running marketing agency, and it gave me a great feeling inside. I was doing something out of love instead of just know-how. I know marketing inside and out, but I was losing passion for it. I was gaining weight, losing hair, my sleep sucked, I was working around the clock. It no longer served me in a way it had done before. I actually started to hate it. I chose to opt-out. I decided to create a whole new system and my health is thanking me for it. I wish the corporate world would recognize the there is a better way of doing things. For more insightful content, visit Connect with me on Instagram @valoreyisaboss
May 4, 2020
Episode 001 - What is a Financial Health Coach?
The most important role of the Financial Counselor is to motivate you to work towards your goal and break the negative money mindset that has been holding you back. Financial Counselors take an holistic approach to discovering financial problems. Most people have an emotional bond with money through some sort of trauma or past negative experience that led them on a journey of financial self-destruction. While some people spend their money as fast as they can, other people hoard their money and even go without basic needs in order to not go without money. Both behaviors are triggered out of fear. The journey of self-discovery and breaking bad money habits is very personal. Just like a cut – it’s painful, you nurture it, medicate it, and it heals. While the cut is healing, if you touch it or bump into something, it hurts, but over time the pain becomes more tolerable and then it goes away. You are healed and sometimes there is a scar, but that scar should always be seen as a victory mark. Why are some people “rich” and some people “poor” even though the “poor” person may be smarter or more talented than the “rich” person? Mindset. Learn more at Connect with me on Instagram @valoreyisaboss
April 27, 2020