October 2025 my credit was 635. December it was 700. Today I’m at 785 and finally starting to get approvals. My biggest problem was the accepting that this is a process that requires patience to get it done right. David has taught me just that. At first I was trying to wing it on my own until I connected with David back in October. Now I’m so glad that I can call David a business partner. Today I finally feel confident that big approvals are around the corner. Looking forward to sharing more wins with this awesome community. Thank you brother David!

Asking for direction here… I have accomplished the follow as of today: Experian 779, no recent hard inquiries, clean. 4% utilization. Equifax 783, one recent hard inquiry that I’m still battling. 4% utilization Transunion 787, two recent hard inquiries I’m still battling. 4% utilization. SHALL I GO AHEAD AND DO A ROUND OF APPLICATIONS USING EXPERIAN ONLY?

Whats the IDEAL utilization percentage for best approvals?

Thanks for the intro David 🤝 Here's the reality — if you're stacking cards and managing everything in your head or a spreadsheet, something is slipping. A missed due date. Utilization creeping past 30% without realizing it. A 0% APR expiring while you're not paying attention. Every one of those costs you real money. Or worse — tanks the score you've been building. I got tired of it so I built StackEasy.ai — a free dashboard that tracks your entire stack in one place: ⚡ Every card's utilization, balance, and due date — updated automatically ⚡ A StackEasy Score (1-10) that tells you exactly how optimized your stack is ⚡ Smart alerts before something expensive happens ⚡ AI recommendations on which card to actually use and when Read-only access. Bank-level encryption. Takes 2 minutes to set up. 🎯 Free to try, no credit card needed: https://stackeasy.ai Drop any questions below — happy to help with stacking strategy too 👇

I just got this postcard from TransUnion. I previously sent them a demand letter to remove an inquiry—the same letter I sent to Experian, which complied. What’s my next step?