💚 GOOD MORNING & HAPPY THURSDAY, APPROVED FAMILY! Y’all, I want to address a few things this morning, and I want everybody to understand that everything I say comes from a place of LOVE. 💚 FIRST, LET’S TALK ABOUT CREDIT UPDATES! One thing I’ve been noticing is that whenever I announce that updates are going out, everybody starts reaching out asking for theirs. 😂 Guys, remember that everybody started this process at a different time, which means everybody’s updates will NOT go out at the same time. When I announce updates, I’m usually referring to new members receiving their initial credit analysis or existing members who are actually due for an update. Credit repair is NOT an overnight process. You have to allow the credit bureaus time to investigate and respond to disputes, which is generally around 30 days and sometimes up to 45 days. That means you’re not going to receive a new dispute update every day or every week. If you haven’t heard from me, it doesn’t automatically mean nothing is being done. Your next update may simply not be due yet. One thing about me, I’m HANDS-ON! I care about your progress, and I’m going to make sure you’re informed throughout this process. That’s what you’re here for, and I take that seriously. SECOND, LET’S TALK ABOUT COMMITMENT! Some of you joined this community at grandfathered rates of $34, $39, or $49 per month. Please understand that if you cancel your membership, you will lose that rate, and if you decide to return, you’ll be subject to whatever pricing and enrollment options are available at that time. And y’all, I’m going to say this with love. $49 a month breaks down to approximately $1.63 a day. Sometimes reaching our goals requires us to look at our spending habits, make adjustments where we can, and prioritize what matters to us. Now, I understand everybody’s financial situation is different, and I’m not here to judge anybody. But what I DO want is a community full of people who are committed to their own growth. I can’t want better for you more than you want it for yourself.

I want to address something important. If you have been dropping in and out of the program and are unable to keep your account active please understand that going forward you will not be able to rejoin once you leave. Credit repair is a process that requires consistency. When members continuously come in and out it slows down the process for everyone and puts unnecessary strain on our team. We pour a lot of time, energy, and resources into each and every client and we need that same commitment in return. If you know you are not in a position to stay active and keep your account current please do not rejoin at this time. Get to a place where you are ready to commit to the full process and then come back. We want to see everyone win, but we can only help those who are ready to stay in it! 💚

I am so glad you are here! This community was built for people who are done accepting “denied” as their answer. Whether your goal is to fix your credit, build it from scratch, buy a home, get a car, secure an apartment, or position yourself for business funding — you are in the right place. I am Shania Beale, CEO of Joyful Capital Advisory, and I am personally in your corner. I know what it feels like to be denied. I started with a 400 credit score, did the work, learned the system, and eventually closed on a half-million-dollar home. I built this Academy so you do not have to figure it out alone. 💚 YOUR FIRST 3 STEPS 1. Activate your MyFreeScoreNow credit monitoring Use this link:https://app.myfreescorenow.com/enroll/B03C6628 2. Complete your onboarding form 3. Upload your required documents NEED HELP GETTING STARTED? Please private message Ms. Evalyn Lara, our Group Manager, right here inside the community. She will help you with: ✅ Activating MyFreeScoreNow ✅ Completing your onboarding ✅ Uploading documents ✅ Making sure your file is complete Once you complete all three steps, Evalyn will notify me, and I will personally review your credit profile and send your credit analysis with your next steps. To keep your file moving and keep everything organized, please send all onboarding questions to Evalyn. I will step in for your credit analysis, personal updates, dispute strategy, and the work being done on your file. Inside this community, you will receive daily credit gems, real strategies, accountability, resources, and live calls twice a month. Stay active, check your private messages, and make sure you are showing up for yourself. Are you ready to go from Denied to Approved? 🙌 Drop a 🏡 in the comments and introduce yourself. I cannot wait to celebrate your wins! — Shania Beale CEO, Joyful Capital Advisory From Denied to Approved Academy