🎯 LESSON 1: HOW TO READ YOUR CREDIT REPORT LIKE A SNIPER (The foundation of everything you’ll learn in Score Snipers Academy) Most people look at their credit report and feel overwhelmed.A sniper?A sniper looks at it and sees targets. Today, I’m going to teach you how to read your report the SAME way I do — with precision, calm, and control. This lesson alone will put you ahead of 90% of people trying to fix their credit. Let’s get into it.🎯📄 🧠 STEP 1 — Understand the 3 BIG SECTIONS of Your Report Your report is broken into 3 main areas: 1️⃣ Personal Information - Names - Addresses - Employers - Phone numbers Sniper Tip:Multiple or incorrect addresses can cause verification problems. One wrong address can connect you to accounts that ain’t even yours. 2️⃣ Negative Accounts (the targets) This includes: - Collections - Charge-offs - Late payments - Repossessions - Closed accounts with balance This is the section we hunt in. 3️⃣ Inquiries Soft (safe)Hard (score dropping) Sniper rule:Too many hard pulls = you look desperate to lenders = denied. 🔥 STEP 2 — Learn What Makes an Account Inaccurate To be legally reported on your credit, ANY account must be: ✔ 100% accurate ✔ 100% complete ✔ 100% verifiable If ANYTHING is wrong? It’s a target. Your job is NOT to prove you don’t owe it —their job is to prove the information is accurate. 🎯 STEP 3 — The 6 Sniper Checks (Use These on Every Negative Item) When you look at a negative account, check for these: 🔍 1. Date of First Delinquency This controls when the item should fall off. If it’s wrong?Target. 🗂 2. Ownership Does the collector actually OWN the debt?Most don’t. If ownership is missing?Target. 💰 3. Balance Accuracy Wrong balanceDifferent numbers on each bureauFees added illegally If the money doesn’t match?Target. 📅 4. Account Dates Check: - Date opened - Last update - Last payment - Status date One mismatch =Target. 🧾 5. Metro 2 Formatting Does the data follow the formatting rules bureaus require?