Using more than 30% of your credit limit can hurt your score. Lenders see high utilization as a sign of risk, even if you are making your payments on time. Your balance compared to your limit plays a major role in how your credit is evaluated. The higher it is, the more it can work against you. Here’s what to keep in mind 👇 ✅ Keep utilization below 30% for a healthier profile ✅ Lower balances can improve your score quickly ✅ Timing your payments helps control reported balances ➡️ Learn how to manage your utilization and keep your score working in your favor. 🔗 https://skool.letsgetfunded.com/fskool-group-onboarding-book ➡️ Ready to level up? 🔗 LGF Pro – skool.com/lgf 🔗 Inner Circle – skool.com/100k

Adding yourself as an authorized user can boost your credit, but the wrong account can do the opposite. Not all AU accounts are created equal, and choosing poorly can bring down your profile instead of helping it. It all comes down to the quality of the account you are being added to. Payment history, utilization, and age all play a role in whether it helps or hurts you. Here’s what to look out for 👇 ✅ Strong payment history with no late payments ✅ Low utilization to keep your score optimized ✅ Aged accounts that add positive history ➡️ Learn how to use authorized users the right way and protect your credit profile. 🔗 https://skool.letsgetfunded.com/fskool-group-onboarding-book ➡️ Ready to level up? 🔗 LGF Pro – skool.com/lgf 🔗 Inner Circle – skool.com/100k

Sharing some client feedback and messages from this week. These results highlight the progress being made and the impact of taking the right steps at the right time. Every update, every improvement, and every win reflects movement in the right direction. Small changes add up, and momentum is what creates real transformation over time. Here’s what stands out 👇 ✅ Progress happening week by week ✅ Positive changes building momentum ✅ Real results clients are experiencing ➡️ Check out the wins and see the progress for yourself. 🔗 https://skool.letsgetfunded.com/fskool-group-onboarding-book ➡️ Ready to level up? 🔗 LGF Pro – skool.com/lgf 🔗 Inner Circle – skool.com/100k

Freeze and lock are two different tools with two different purposes. Knowing when to use each can help you protect your credit without slowing down your progress. A credit freeze is stronger and blocks new accounts from being opened. A credit lock is more flexible and can be turned on or off quickly depending on your needs. Here’s what you need to know 👇 ✅ When to use a freeze for maximum protection ✅ When a lock makes more sense for flexibility ✅ How to use both without affecting your progress ➡️ Learn when to use each and protect your profile the right way. 🔗 https://skool.letsgetfunded.com/fskool-group-onboarding-book ➡️ Ready to level up? 🔗 LGF Pro – skool.com/lgf 🔗 Inner Circle – skool.com/100k

Lenders don’t just want to see that you have credit. They want to see the right mix of accounts that show you can manage different types responsibly. A strong credit profile includes a balance of revolving and installment accounts. This tells lenders you can handle various financial responsibilities, which can improve your approval odds. Here’s what matters 👇 ✅ Having a mix of revolving and installment accounts ✅ Showing responsible usage across different credit types ✅ Building a balanced and well-rounded profile ➡️ Learn how to build the right credit mix and strengthen your profile. 🔗 https://skool.letsgetfunded.com/fskool-group-onboarding-book ➡️ Ready to level up? 🔗 LGF Pro – skool.com/lgf 🔗 Inner Circle – skool.com/100k