I'm Tonia, from Atlanta. I'm rebuilding after having amazing credit and running into and trusting the wrong person. 🤦🏽‍♀️ I'm not sure how I got introduced to this group or how I decided to sign up but, I've been sitting on it for a bit and finally decided to peek in an see what's going on in here. Apparently, I've been missing out! My goal is to restore my personal credit and build business credit to get funding for my new businesses. My main problem is focus. I'm doing 50-11 things at once IRL. Now I'm ready to focus here and get moving. That's my story so.. Hey, everyone. Hey! 👋🏽

Just dropped a full walkthrough of everything I added and updated inside the free course. Here's what's new or improved: My favorite cards list — not a generic roundup. These are the ones I actually recommend based on what I've seen work. 800 Credit Score Guide — restructured for post-repair, builders starting from scratch, and thin-file holders. Covers what kills your score, how to optimize, and even the bureau freeze strategy for targeting clean profiles. Inquiry Removal Cheat Code — two letters plus a backup method. Inquiries aren't hard to deal with. I just wanted to give you everything I know. Credit Repair Starter Kit — quick cleanup methods to get funding ready. Path to Funding Freedom — intro to how funding actually works. Bank rules, card strategies, business auto loans. Just enough to see if this is even for you. Travel Hacking section — airline alliances, point transfers, hotel and airline breakdowns. Still in there, still 🔥. And the AI-powered Business Credit tool is still locked and loaded. ⚠️ You need to reach Level 2 to unlock the core content and Level 3 for the bonuses. That means you have to engage. Post, comment, and interact. And here's exactly why I set it up that way: Funding doesn't work if you don't take action. I can explain this stuff all day. But if you never actually move on it, nothing changes. The engagement requirement exists to build that habit early. Science backs it too! You learn faster when you're working alongside people going through the same thing. It's a small commitment. But it filters for the people who are actually serious. Everything in the free tier is your foundation. Once you run through it, you'll either know this is for you. Not for you. Or you'll have enough to do the whole thing yourself. Watch the video. Go through the material. Drop your questions below 👇

This method has roughly a 70% success rate and works in 24–72 hours. I've seen collections vanish same day. Here's the play: Open Credit Karma on your phone. Go to Accounts, find the collection or negative item, and hit Dispute Item. When it asks for the reason, select "This account is involved in litigation." Do NOT select ownership. In the comment section, paste this exactly: "I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens (Mo) 281 SW 715 719. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists." Submit it. Check back in 24–72 hours. In a lot of cases the account shows deleted immediately. This is one method. There are more where this came from. 🔓 Unlock the full breakdown at Level 2 — which means you actually have to participate and take action. That's the point. The people who move are the people who win.