A lot of people think a low score means no funding. Not always. Many times the score is low simply because credit cards are maxed out. Example: You might have a 650 score because you’re carrying $25K–$30K on credit cards. That doesn’t mean your profile is bad — it means your utilization is high. 🔧 The Strategy In situations like this, we can often apply for a consolidation loan through lenders like: • SoFi • Upstart • LightStream When approved, the loan is an installment account, not revolving credit. This means we can use the loan to pay off the credit cards, which usually: ✔️ Drops utilization dramatically ✔️ Raises the credit score ✔️ Improves approval odds It’s not uncommon to see someone go from 650 → 720–740 after consolidation. 🚀 What This Solves 1️⃣ High-interest credit card debt that’s hard to pay down 2️⃣ Low score caused by utilization 3️⃣ Positioning your profile to qualify for $100K–$200K in 0% funding 📈 The Long-Term Goal Once funding is secured, the goal is simple: Stop relying on personal credit cards. Use business credit instead. Business cards allow you to use capital without hurting your personal utilization, which keeps your score high while still leveraging funding. 🎯 Need Help Consolidating to Get Funding? If your score is low mainly because of high credit card balances, we may be able to fix that quickly. Comment “FUND” and we can take a look. PS, you still need good credit with no lates within 2 years and no collections.

🚀 Welcome to the fastest growing funding community on Skool. I built this community to help people unlock funding, build freedom, and create new income streams whether through their own business or by helping others access capital. I’ve personally built close to $1M in credit myself and hit an 850 score, and our team has funded 2,000+ clients with 410+ verified reviews and a 4.8 rating. 🔑 How To Use This Community (Very Important) People who win here do three things consistently: 1️⃣ Start with the pinned posts Everything you need to understand the structure of the community is pinned. Don’t skip them. 2️⃣ Show up to live calls and replays That’s where the real context, data points, and nuance are shared. 3️⃣ Ask questions + take action This is not a lurk-and-hope group. The people who move fastest are the ones who engage. 🙋‍♂️ Introduce Yourself Before you go, drop a quick intro below! Let us know what you do, where you’re from, and what your goals are so the community can connect and help you win faster. After you do that, check out this next post and then you're done reading for now. 😂 👉https://www.skool.com/credit-free/dont-miss-these-2-steps-read-this-if-you-want-to-win-here?p=a928c0c8

This is where the money starts. If you don’t set up your affiliate link, you can’t get paid. Period. Everything is tracked automatically — but only if you’re registered. 👉 Step 1: Register here (takes 2 minutes):https://affiliates.advisorhub.io/create-account?ref=JohnDuda Once you’re in, grab your Funding Services Link at the top of your portal. That’s the main referral link you’ll use. With it, you can promote every product — business funding, credit repair, SBA loans, equipment financing, and more. Your portal also shows your sales, commissions, and even has a calculator so you can see your payouts. If you skip this, you’re leaving money on the table. LITERALLY.

Are you wondering if your LLC is high risk? Things like: • Your LLC name • Your NAICS code • Your business address …can quietly kill approvals. I put together a FREE LLC guide that walks you through exactly what banks look at — plus a custom LLC GPT you can ask questions to anytime. Examples we cover: ❌ Real estate businesses labeled wrong ⚠️ 541611 NAICS is getting overplayed ✅ 541613 (Marketing) is often a better option right now If you want access to the guide + the GPT 👇 💬 Comment “LLC” below and I’ll send it over. And please don't comment LLC if you aren't going to check your DMs.

If you don’t post your 90-day goal here, you’re already failing yourself. And heads up—if you don’t post, you’re not eligible to join the competitions (TVs, vacations, and more). 👉 How much do you want to make in the next 90 days? - $2K/month - $5K/month - $10K/month or more? - 👉 And just as important—what’s that money for? - Covering the holidays without stress? - Taking that dream vacation? - Retiring your W2 once and for all? - Comment below with your exact number + purpose. This is step one in building accountability and momentum—without it, you’re just guessing. Lock it in 🔒 Winners set goals. Losers sit out.