Now THIS is the kind of credit update we LOVE seeing 💪 Check out these results! 👇 Experian: +115 points! (568 → 683) Equifax: +111 points!(572 → 683) TransUnion: +101 points!(573 → 674) 5 total deletions, including a $1,642 Verizon collection and hard inquiries! And here's what's exciting: All three scores jumped over 100 points! 🚀 We're not done yet! There are still disputes in progress, and with credit utilization currently at 53%, there's another area we can focus on improving. This is why we look at the entire credit profile, not just the score. Every improvement counts! 🙌 💬 Which would you be more excited about: a 100+ point score jump or getting a collection removed?

Sofi Preapproval Experian Data points FICO 8: 775 Inquiries: 3 DTI: 18% Utilization: 9% Income: 105k Age: 6 years 8 months Newest account: 6 months ago

Our credit repair team has been putting in WORK, and these latest updates are worth celebrating! 💪 Check out what's been removed: 👇 ✅ Chapter 13 Bankruptcy DELETED from TransUnion ✅ 30-day late payment account DELETED from Equifax ✅ 4 hard inquiries DELETED from Equifax ✅ 2 additional accounts UPDATED on TransUnion 💥 That's 6 confirmed deletions and 2 account updates in these reports And here's why this matters: Bankruptcies and late payments can be some of the tougher negative items to address, so seeing these updates is a BIG step forward. 🙌 Every credit file is different, but this is exactly the kind of progress we love sharing. 👇 Which win would make the biggest difference for your credit profile: a bankruptcy deletion, a late payment removal, or fewer hard inquiries?

We have all heard of authorized user accounts. They have been used for rapid scoring improvement in the mortgage industry for decades. It adds additional credit history length, positive payment history, and low balance use from the main account can copy over to the new user's credit file. If you are looking for rapid credit score improvement, think about becoming an authorized user on a family member’s (or others) credit card. In essence, you are piggybacking off the primary account holder’s responsible use. The main benefit of becoming an authorized user on a credit card is the fact that you can benefit from another person’s good credit and good payment history to enhance your own credit. And you get this benefit without applying for a credit card of your own which would cause an inquiry and negatively adjust your total credit file age. Adding other people’s seasoned accounts adds positively to your credit file age and greatly lowers your credit utilization ratio. The authorized user is given a card in their name and can make purchases, but they are not liable for the debt incurred. The primary cardholder is ultimately responsible for making the payments. This can be a great way for the authorized user to build their own credit history. If the person granting another person to be an authorized user on their account has doubts or concerns, they can have the authorized user destroy the credit card issued or don’t have one issued to them at all. Have the secondary card sent to the primary account holder’s address. The point is to help another person benefit from the primary account holders great credit account. When you find someone willing to make you an authorized user on their account look for these four things. One, the higher the credit line the better. A $10,000+ credit line is preferred. Two, ensure the credit card account has been open a long-time. 5+ years is good but 10+ years is great. Don’t be added to an account that has been opened for less than three years.

Let's make this SIMPLE: 💳 Credit Limit: $10,000 💰 Current Balance: $3,000 ✅ Available Credit: $7,000 📊 Utilization: 30% Your credit limit is the maximum you're allowed to borrow. Your available credit is what's left after your balance and any other holds or pending transactions. THE LESSON: A high limit doesn't mean all of it is available to spend. 🔥 Quick check: Did you already know the difference? 💯 YES 🤯 LEARNED SOMETHING NEW 📞 Want to understand your credit profile better? Book your FREE Onboarding Call: https://skool.letsgetfunded.com/fskool-group-onboarding-book 🚀 Get more credit + funding education inside Inner Circle: skool.com/100k