📈 Credit Score Improvements Equifax (EQ): 600(+75 points) TransUnion (TU): 604 (+77 points) Experian (EX): 550 (+31 points) ✨ Round 2 Results: TOTAL ITEMS DELETED: 53 TOTAL CHARGE-OFF AMOUNT REMOVED: $42,178.00 ✔️ Charge-Off Accounts Deleted: 11 ✔️ Hard Inquiries Removed: 32 ✔️ Personal Information Items Deleted: 10 💡 Important FCRA Insight Under the Fair Credit Reporting Act (FCRA), consumers have the right to dispute inaccurate, incomplete, outdated, or unverifiable information on their credit reports. To address charge-off accounts, unauthorized hard inquiries, or incorrect personal information, start by carefully reviewing your reports from all three major bureaus and identifying any errors. Gather supporting documentation such as proof of payment, account statements, creditor correspondence, or official records verifying correct personal details. Prepare and submit formal dispute letters to each relevant bureau, clearly explaining the issue, referencing prior disputes, and including all evidence. Credit bureaus are required to investigate within 30 days and provide results, including updated reports if corrections are made. If disputes are not resolved, follow up directly with creditors or escalate to the Consumer Financial Protection Bureau (CFPB) as needed.

📈 Credit Score Improvements Equifax (EQ): 687 (+113 points) TransUnion (TU): 637 (+37 points) Experian (EX): 590 (+3 points) ✨ Round 2 Results: TOTAL ITEMS DELETED: 12 TOTAL CHARGE-OFF AMOUNT REMOVED: $9,938.00 ✔️ Charge-Off Accounts Deleted: 3 ✔️ Hard Inquiries Removed: 5 ✔️ Personal Information Items Deleted: 4 💡 Important FCRA Insight Under the Fair Credit Reporting Act (FCRA), every consumer has the legal right to dispute any credit information that is inaccurate, incomplete, outdated, or unverifiable. Once questionable charge-off accounts or other negative items are identified: Formal dispute letters must be submitted to all relevant credit bureaus. Each letter should reference prior disputes and clearly explain why the information remains contested. Supporting documentation—such as proof of payment, account statements, creditor correspondence, or evidence of reporting errors—should be included to strengthen the dispute and ensure compliance with FCRA standards.

TRIBE, Just came across a VALUABLE tool from caldwell bank for those thinking about moving check this out. What is the Move Meter? The Move Meter is an online comparison engine that allows you to compare two locations side-by-side—your current city (or ZIP) and your target city (or ZIP). You can instantly see how each location stacks up across a number of key metrics that matter for lifestyle, wealth-building, and long-term freedom. Coldwell Banker+2CBAM Homes+2 What it Shows Here are some of the areas it covers: - Housing and affordability: average home prices, monthly costs, how far your budget will stretch. Coldwell Banker Homes+1 - Cost of living: day-to-day expenses such as utilities, taxes, groceries, transportation—giving you a realistic picture of how your dollars work in one city vs another. Women’s Choice Award+1 - Quality of life & lifestyle fit: because it’s not just about the numbers—it’s about climate, community, culture, and whether your surroundings match your life priorities. CBAM Homes - Job market / economic indicators: If you’re relocating for business growth or income potential, this tool gives you the vantage to compare opportunity. Women’s Choice Award - “Move Score” or comparative index: The tool gives you a synthesized score or index to help you see, at a glance, which location might be stronger for your goals. CBAM Homes

Hello Tribe, Good to see some of you on tonights jam packed Financial Playbook review. Many golden nuggets were dropped I highly recommend you watch the recording here #11/17/25 Financial Playbook Key Funding Resources !! Let me know your thoughts in the comments when done and how this will make an impact on your growth!

As we beef up @William Derrick III personal lines of credit to setup for biz funding, we just got knews @Shaunt Anserlian funded him his first $5400 personal chase credit card! Let's clap it up for him!