In the 800+ Credit Freedom Blueprint (Chapter 4), it says to request a CLI by: 1. Use the card close to the max (90–95% utilization) 2. Allow that usage to post 3. Then pay it down to under 10% 4. Then request the credit limit increase My question is: when it says "allow that usage to post," does that mean let the statement close with the high balance, or just let the transactions move from pending to posted before paying it off? I'm asking because if it's the former, wouldn't that get reported to the credit bureaus and temporarily increase my reported utilization, thereby lowering my credit score?

Hi, I'm Marguerite from Illinois. I'm trying to optimize my credit to become fundable for business credit. I'm looking forward to learning and connecting!

I could've made everything completely free and unlocked from day one. The problem is that I've watched what happens when communities do that. Most people join, save a bunch of resources, tell themselves they'll come back later, and then never actually use any of it. That's why the free group is based on engagement instead of simply handing you everything immediately. When I say engagement, I don't mean spamming likes. Liking everyone's posts doesn't count because it doesn't really contribute anything. What does count is asking questions, posting your progress, sharing your experiences, helping other members, or joining discussions. In other words, actually participating in the community. At Level 2, you'll unlock the Inquiry Removal guide, the Travel Hacking guide, and the Funding Options Playbook. The reason I built it this way is simple. The biggest thing holding people back usually isn't information. It's action. Every time you ask a question, share a win, or help someone else, you're building the habit of participating instead of just consuming. By the time you've unlocked everything, you've already developed the momentum that gives you a much better chance of actually using what you've unlocked. For the people who'd rather skip the leveling system, there's also a Premium membership for $97 per year. That's there for people who want immediate access and are comfortable making a financial commitment. Some people respond better when they've invested in themselves, while others are perfectly happy earning their way through the free path. Either option works. My goal isn't to make things harder. It's to build a community where people actually execute instead of collecting another folder full of resources they'll never open.

Here’s what to do next: 1. Watch the video below 2. Start the free business funding course here 3. Learn how to build a funding-ready profile with AI 4. Ready to fund yourself? Click here Have fun! /Killa Whale Ramirez 🫍 (@David Ramirez NMLS # 2507482) PS: Want my personal help in the DM's to get started? Comment "ORCA" below QUESTION: Are you pumped to be here?

👋 Hi, I'm Esther 📍 Location: Chicago suburbs, Illinois 💳 Current Credit Situation: 800ish but very thin credit profile (only 1 cc with a 2,450 limit) 🎯 Main Goal: Build my credit personal depth so I can qualify for business credit and become fundable 🚀 What I'm Working On: Choosing my next personal credit card that will give me the highest limit possible (despite low income) 💬 Looking forward to connecting!