The transunion hack came thru. .. I’m up +72 points!!! Happy Holidays everyone #NEXT

Air BNB plug. Dallas , Texas

Recently traded in my car and the account from my old car is listed as a repossession. Is there anything I should add or take away in this letter ? Personal info here of course* TransUnion LLC
P.O. Box 2000
Chester, PA 19016 Re: Dispute of Vehicle Repossession / Voluntary Surrender – Account Number: 9012379** Dear Sir/Madam, I am writing to formally dispute the repossession of my vehicle listed on my credit report, Account Number: 9012379**. I dispute this entry under the Fair Credit Reporting Act (15 U.S.C. § 1681c-2), which states that information regarding a fully paid or settled repossession may not appear on a consumer report without the consumer’s explicit consent after being informed of their right to refuse. I did not provide such consent, nor was I informed of my right to refuse. I request that TransUnion investigate this matter immediately. If the repossession cannot be verified as accurate and compliant with the FCRA, I demand that it be permanently removed from my credit report. Please provide written confirmation of the results of your investigation within the 30-day period required by law. Thank you for your prompt attention to this matter. Sincerely,

Serious question, when you started your credit repair journey, did you realize you weren’t just fixing number? you were confronting old decisions, survival habits, and versions of yourself you had to outgrow? What part of the process hit you emotionally the hardest? I’ll go first. Honestly, the hardest part wasn’t disputing or learning the rules. It was sitting with my own history without flinching. Seeing bad decisions I made while I was just trying to survive, not thrive, laid out in black and white. Credit repair forced me to outgrow versions of myself that were reactive, short-term, and operating from pressure instead of strategy. The emotional hit came when I realized my credit wasn’t broken… my structure was. My journey to fixing the numbers meant fixing how I thought, planned, and moved. That part was uncomfortable, but necessary. Just like when Twinwillwin has that white board yelling (at me I feel lmao) you know the answer just say it!!!! Iykyk🤣

My name is Empress, and just like you, I’m determined to beat adversity and build my credit the right way. I know what it feels like to start fresh, to face challenges, and to want better for myself and my family. That’s why I’m here—not only to improve my own financial future but also to stand beside each of you as an accountability partner. We’re more than just individuals fixing numbers on a report—we’re a community striving toward financial freedom, stability, and opportunity. The road to the 800 Club by 2026 won’t always be easy, but we’re not doing it alone. Every small step forward counts: paying on time, building positive credit history, disputing what’s unfair, and staying disciplined. So let’s keep pushing, keep learning, and keep encouraging each other. When one of us wins, we all win. Together, we’re rewriting our stories. Together, we’ll reach that 800 goal—and beyond. Stay focused, stay consistent, and remember: adversity might test us, but it can’t stop us. —Empress 💪🏾✨ started (423) 10days ago (565) It 10/2/25 🏆🏆🏆 90 days to go to Reach my Goals