You can dispute for months and see no movement… …but paying down one high card below 30%, or even 10%, can spike your score in DAYS. Utilization is the quickest win in the credit game: ✔ Immediate score impact ✔ No letters required ✔ No waiting on bureaus

If an account says: ⚠ “120 days late” but you were never 120 days late ⚠ “charged-off” but you settled or paid ⚠ “open” when it’s closed Those labels change your score — BIG time. Fixing status errors can improve your credit without deleting anything.

Happy Friday Millionaires, hope you guys are having a productive and profitable week! Wanted to drop this gem on you that I find is a GREAT way to get more real time updates on your clients' profiles, WITHOUT having to constantly waste your monthly report, IF you are using MFS: ✅Always have clients use your affiliate link, you get paid for it and get their login details in the process ✅Start by pulling the 3-B report and use THAT to build your disputes ✅ Submit your disputes via the mail with tracking information (especially first round) ✅Come BACK to MFN and use their Smart Credit Report (Unlimited FREE daily updates) ✅Check accounts that are still listed as negative and submit CFPB complaints for THOSE accounts ✅Keep applying pressure and keep getting results This is the method I have my team utilize EVERY SINGLE DAY, so clients CONSTANLY feel like we are fighting on their behalf.

Before applying, check which lenders offer soft pull prequalifications: 💥 Discover 💥 Capital One 💥 Navy Federal (sometimes internal) 💥 American Express This lets you peek at potential approvals without hurting your score.

Another win on the board. One of our people went from low 400s to high 500s and got a full Chapter 7 bankruptcy wiped off their profile. This is what happens when you stop guessing and start following real plays that work. If you want results like this or even better, stop sitting on the sidelines. Get in the room and let us show you the path. ➡️ Community Onboarding at 1PM ET. Tap in. 🔗 https://skool.letsgetfunded.com/fskool-group-onboarding-book ➡️ Level up faster through our other communities! 🔗 LGF Pro - skool.com/lgf 🔗 Inner Circle - skool.com/100k