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5 contributions to ⚜️ CREDIT SKOOL ⚜️
🤯 WAIT… YOUR CREDIT SCORE CAN DROP EVEN IF YOU PAY ON TIME?
Fam, imagine you have a $5,000 credit limit and only owe $1,500. You’ve NEVER missed a payment. Then you pay your balance down to $200, but your score still doesn’t improve like you expected. 😳 WHAT COULD YOU BE MISSING? 🤔 A. Your credit score only updates every 6 months 📅 B. Your card issuer may have reported your previous balance before your payment was reflected 💳 C. Paying your balance down makes you look less active to lenders 📉 D. Your credit score can only improve when you open a new account 🆕 👇 Drop your answer in the comments! Let’s see who knows how credit REALLY works! 💯
🤯 WAIT… YOUR CREDIT SCORE CAN DROP EVEN IF YOU PAY ON TIME?
1 like • 13h
B
Hello!
I was blessed enough to be able to get the Aggressive program and it is AGGRESSIVE. I started on Friday 10/16 and this is my Transuion/SmartCredit score as of yesterday! Started in the mid 500’s and already seeing results. I’m gonna keep trusting the process and praying for more! Thank you everyone!
Hello!
0 likes • 15h
That’s awesome. This is an amazing community.
🔥 MONDAY HOMEWORK, CREDIT SKOOL!
This week’s mission is simple, but it matters! 💳 Your homework: Check your credit card utilization. 1. Log in to each of your credit card accounts. 2. Write down your current balance and credit limit. 3. Identify which card has the highest utilization. 4. If possible, make a payment toward that card to bring the balance down. 🎯 Goal: Keep your utilization below 30%, and aim for below 10% if manageable. Remember, while our team works on your disputes, your job is to keep building healthy credit habits! 👇 Drop a DONE when you finish. Who’s taking action this week?
🔥 MONDAY HOMEWORK, CREDIT SKOOL!
3 likes • 2d
Done
🚨 NEW MEMBERS — START HERE 🚨
Welcome to Credit Skool! 🎉We’re glad you’re here — let’s get you set up the right way. 👇 Drop your introduction in the comments BELOW 👇 This helps us: ✅ Match you with the right support ✅ Plug you into the community faster ✅ Get you results quicker 📌 Tell us: • Your name • Where you're from • Your current credit goal • What you're struggling with most ⚠️ This step is REQUIRED to unlock the full experience inside the community. Let’s get you plugged in and winning 💪 🚨 PLS MAKE SURE YOU COMPLETE THE ONBOARDING FORM. I sent you a DM with the next steps😁
🚨 NEW MEMBERS — START HERE 🚨
2 likes • 9d
Tashna Gilfillian Resides in Panama City Beach Florida I’m aiming for the highest credit score 850 Currently have some charge offs, collections, late payments. Moving with big faith in you guys. I trust the process
UPDATE
I got an increase I started with a 584 sep 7 2026 and I now have a 657 aiming for a 750 🎉😎🫰🏽
3 likes • 17d
This is awesome Sheblese. Get right and go get that money gurl🤗🔥
1-5 of 5
Tashna Gilfillian
2
11 points to level up
@tashna-gilfillian-2607
I am 34 years old. Mom of 2 teenagers. I am just crave a relationship with Jesus and with the help of Holy Spirit, I am getting to be more like Him.

Active 3h ago
Joined Oct 5, 2026
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