1. Credit Strong – Reports to all 3 credit bureaus. 2. Kovo – Reports to all 3 credit bureaus 3. Meet Ava – Reports to all 3 credit bureaus 4. Loqbox – Reports to all 3 credit bureaus 5. Kikoff – Reports to Equifax & Experian 💳 How It Works: Each of these accounts will report a $2,500 line of credit to your credit profile for about $20 per month. If you get all five, that’s $100/month for a total of $10,000 in primary trade lines reporting every month — a major boost to your credit score! 👍🏿😎🚀 Bonus Strategy: The CarMax Hack 🚨 Buy a car from CarMax, keep it for up to 10 days, then return it for a full refund. Why? Once it’s paid off, it will appear on your credit report as a paid auto loan, which can help improve your credit mix. CarMax Return Policy: - You have up to 10 days (or 1,500 miles) to decide if the car is right for you. - Return it in the same condition you bought it, and CarMax will process your full refund. 💥 Result: You get a reported, paid-off auto loan without long-term debt!

Christian, can we talk about "Bluff pay your credit cards ‼️😎"

You’ll hear a lot of people say, “Always keep a $0 balance on your credit cards to boost your credit score.” While that advice is solid, there’s actually a smarter play: maintaining a small revolving balance—around 9% of your credit limit. Here’s why. Every time you get a new line of credit, you're resetting your credit age. FOR EXAMPLE: let's say your credit age is 12 years old and you accept a new card (0 years old). The average of your credit age will now show 6 years. INSTEAD, ask for a credit increase on existing cards, AND you can avoid an inquiry this way too Keeping a low utilization like 9% shows lenders you can responsibly manage credit without maxing out your cards, which makes it easier to request credit limit increases, instead of applying for new credit cards. You can simply raise your limit on existing credit lines. Every time you apply for a new card, your credit age takes a hit, but a credit limit increase keeps your credit age intact while still boosting your total available credit. Not to mention, you won't get an inquiry. But here’s the catch: this strategy only works if you know how to manage your budget. If you’re not disciplined with spending, you’re better off paying your balance down to zero every week to avoid debt creeping up. Pro Tip: If you’re hitting your card limit too quickly, call your card issuer and request a credit limit increase. Let them know you’ve been paying on time and managing your card responsibly. Often, that’s all it takes to get approved for a higher limit without applying for new credit. ⸻

How to remove inquiries. Use this :)

Not a Member Yet? Here’s How to Get In (No Access Code Needed): Call Navy Federal directly — this must be done over the phone. When you speak to a representative, let them know: “My grandfather served in the Navy for years, but he has since passed. I don’t have all his service details, but I’d like to honor his legacy by joining Navy Federal.” This approach has helped hundreds of people gain access to Navy Federal Credit Union. Ready? Let’s make it happen. Everyone should have a Navy Federal account in their financial toolbox. Here’s how to maximize your access: Already a Member? - If you’ve had a Navy Federal account for 6+ months and your credit score is 650+, it’s time to apply for the Green Personal Credit Card — don’t wait. - If you already have one Navy Federal credit card and it’s been 93 days, you’re now eligible to apply for your second card. Move on it! Once you’re approved, drop your success in the comments — LET’S RUN IT UP! ✅