Whenever you apply for a credit card, do it at 12 AM - 3 AM. That's when the underwriters are not reviewing your application, and if you put the right information on the application, you should be approved automatically.

I will be in Miami tomorrow, so if anyone wants to meet and greet, and talk credit, I'm available.

Peace and Strength Team! ​Welcome to the inner circle. You aren’t just here to “fix your credit”—you’re here to master the system and unlock the lifestyle you deserve. Whether you’re at a 400 or a 650, the goal is the same: Tier-1 Credit and Financial Freedom. ​Most people fail because they use outdated templates and "free" apps that actually hurt their scores. In this community, we do things differently. We use Metro 2 compliance—the same "federal code" the banks use—to force the bureaus to play by the rules. ​Where to start right now: ​Watch the Masterclass: I’ve uploaded a step-by-step presentation (find it in the Classroom tab) that breaks down exactly how to audit your report. ​Download the Checklist: Get your 400 to 700 Roadmap (attached below). Print it out. This is your battle plan for the next 45 days. ​Claim Your Gems: Check the "Weekly Letters" section for this week’s free dispute templates. ​Introduce Yourself: Post a quick "Hello" in the feed! Tell us: ​What is your goal score? ​What is the first thing you’re going to do once you hit 700+? (New home? Better car? Business funding?) ​ The Bonus Perks: Don’t forget, as a member, you get access to our 1-on-1 Book Calls and our Weekly Credit Consultations. If you get stuck, the community and I are here to pull you through. ​The bureaus are betting that you’ll get bored and quit. We’re betting that you’ll stay consistent and win. ​Let’s get to work. ​See you in the feed, Samiel Quijano

The bank’s computer (the algorithm) is looking for specific "Green Flags." Here is how you answer the tricky questions like a 10-year-old playing a video game on "Easy Mode": 1. Total Annual Income (The "House" Rule) - Don't Forget: You don't just put your hourly wage. You can legally include: - Why: Higher income = Higher credit limit. 2. Housing Payment - The Hack: If you live with parents or a roommate and pay $0 in rent, put $0. - Why: The bank subtracts your rent from your income. If your rent is $0, you have more "Disposable Income," which makes you look like a safer bet to the bank. 3. Employment Status - Pro Tip: If you have a side hustle, don't just put "Unemployed" if you quit your 9-to-5. Put "Self-Employed." * Business Name: Use your LLC name if you have one. If not, your "Business Name" is just your Legal Name.

The Vibe: Your credit history is like a forest. The taller the trees, the better. If you chop down your oldest tree (your first credit card), your forest looks small and weak. The Step-By-Step: 1. Find the Dusty Card: Find the very first credit card you ever opened. Even if you don't use it, do not close it. 1. The Life Support: Put a small $10 monthly bill on it (like Netflix). 1. The Shield: Turn on "Auto-Pay." This keeps the account "active" so the bank doesn't close it on you. 1. The Reward: You keep those years of history, which makes up 15% of your total score!