Good question 👀 Yeah, a lot of my profile strength is coming from that authorized user account — it’s actually my sister’s card. It’s her oldest account, that has the highest limit, and low utilization. My primary account is still newer, so I know my file is thin and I’m still building my own foundation independently. Right now I’ve been trying to open my own credit cards to strengthen my profile, but I’ve been getting denied. I got denied from Capital One and also from Discover even through the pre-approval. That’s really what I’m working on — building my own profile so I’m not relying on the AU account long term. Appreciate you pointing that out 💯 — would you say I should add another primary tradeline next, or what would be the smartest move from here?

🔵 What’s your credit score? My transUnion is 750 my Experian is 733 and my Equifax is 738 🔵 How many negative accounts? 0 🔵 How many positive accounts? I believe 3 or 4 🔵 How many inquiries? 2 Positive Account Questions: 3 or 4 🔵 How many credit cards? 2 but one is authorize user 🔵 Highest credit card limit? 3,400 🔵 Oldest open credit card? JPMCB CARD 🔵 What is your average credit card utilization? 19% 🔵 Highest loan (Mortgage, Car, Personal Loan, Etc) amount? 0 Business Questions: 🔵 Do you have a business? No 🔵 How would the info help in this community help you grow your business or improve your life? By helping use my Credit the right way to start a business and more

I’m not just posting scores… I’m building a REAL foundation to leverage credit the right way 💯 Looking for solid advice from people who actually know funding & business credit 👇 💳 MY CREDIT PROFILE (REAL NUMBERS): 🔵 Scores (vary by bureau): Experian: 686 Equifax: 725 TransUnion: 734–750 range ⚠️ Yeah I know they’re different — that’s why I’m here. 🟢 Negative Accounts: 0 (clean file) 🟢 Positive Accounts: 3–4 🟡 Inquiries: 2 💳 CREDIT CARD DETAILS: 🔵 Total Cards: 2 (1 authorized user) 🔵 Highest Limit: $3,400 🔵 Oldest Account: JPMCB Card 🔵 Utilization: 19% 🏦 BANKING RELATIONSHIP (BUILDING THIS UP): 🔵 Opened accounts with a credit union (VyStar) 🔵 Active checking + savings (money in both) 🔵 Setting up direct deposit into savings 🔵 Focused on building a strong relationship for future funding 🏦 LOANS: ❌ None yet 🏢 BUSINESS STATUS: 🔵 Do I have a business? ❌ Not yet 🔵 What I’m trying to do: Turn this into: ➡️ Business credit ➡️ Funding approvals ➡️ Real income streams 🔥 BE REAL WITH ME (THIS IS WHERE I NEED GAME): If YOU had this exact setup… what’s the smartest next move? 💭 Fix the score gap first? 💭 Add more primary tradelines? 💭 Start business credit NOW? 💭 Go for funding with a credit union relationship? I’m not guessing — I’m trying to move strategic. 👇 Drop real advice / game below 👇

🔹 What’s your name? Christopher Delemar 🔹 Where are you from? Ocala, Florida 🔹 What’s your biggest strength/weakness on your credit file? My strength is that I don’t have a ton of debt holding me back. My weakness is a lack of open credit lines and a few missed payments from rough times I’m bouncing back from. 🔹 What are you most looking forward to in this course? Learning exactly what steps to take to clean up my credit, build strong tradelines, and finally move into business credit and funding — I’m here to fix my foundation and grow from it. 🔹 What do you do? I’m a builder. Right now I’m working on launching my Airbnb and digital income businesses — flipping hustle knowledge into something real. 🔹 What’s your goal inside this community? To rebuild my credit the right way, build connections with others doing the same, and position myself to finally get funding and scale. 🔹 What triggered you to sign up? I’m tired of letting bad credit be the reason I stay stuck. I’ve got the drive and ideas, now I need the blueprint and community to match it. 🔹 Who would be useful for you to meet? Anyone with real experience in funding, credit repair, and turning personal credit into business leverage. I’m also open to connecting with accountability partners.

What’s your name? - Christopher Jason Delemar Where are you from? - Ocala Florida What’s your biggest strength/weakness on your credit file? - Well my my Experian is 686 and my Equifax is 693 and my Trans Union is 699 I have very thin credit and I don’t have no revolving utilization I have screenshots of everything I don’t mind putting it up I really need help I Ben working on my credit myself What are you most looking forward to in this course? I’m praying that I can get help to build my credit to where I can start getting funding for any business I want to start and also better my credit so I can get me a vehicle so I can be mobile to make more money What do you do? - I work at a restaurant as a dishwasher. I make $17 an hour. It’s OK but it’s not getting me to where I want to be really. What’s your goal inside this community? - to build up my credit and make a better life for me and my family and help others as well along down the road. What triggered you to sign up? - What triggered me to sign up was hearing that I can get help with build my credit for free but I know things are not free in like for real. Everything has a cost, but I’m willing to pay that cost if it gets me forward in life and better Who would be useful for you to meet? The main person that runs all of this that would be useful to me to pick that person‘s brain and gain the knowledge that they have and learn and understand what Credit is really about and how to use it to be in my life situation I want real estate anymore and I want to learn from the right person that could show me step-by-step on how to make things work.