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May 2 •
WELCOME : START HERE!
You're here because you want to get approved for something. House? Car? Business loan? ANYTHING, you're in the right place. This community was strategically put together so that you can follow a step by step by plan to get that approved notification. STEP 1 - Go to the classroom tab and pick which roadmap you would like to follow STEP 2 - Follow the instructions and ask for help along the way STEP 3 - Document the process so that we can turn your success into a story Lots of exciting things will be added into the community here within the next couple of weeks 😎 Looking forward to helping and working with you all!
2h •
DAY 5 – What Makes a Credit Report Inaccurate
You can dispute way more than you think. Anything that’s incomplete, unverifiable, misreported, duplicated, or outdated qualifies as inaccurate. Even small errors can force a deletion. The law protects accuracy, not emotions — attack the data, not the company.
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1d •
DAY 4 – How Furnishers Actually Verify Items
You’d be shocked how “verification” really works. Most companies don’t manually investigate your dispute. They respond through automated systems like e-OSCAR. If the data in their system isn’t perfect, that’s your leverage. Verification is usually automated — meaning errors slip through constantly.
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2d •
DAY 3 – Why Disputes Fail
Most disputes fail for one simple reason. People focus on arguments instead of inaccuracies. Creditors don’t remove items because you’re upset — they remove items because the data they’re reporting is incomplete, inaccurate, or outdated. Win by pointing out what they can’t legally verify, not by debating with them.
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3d •
DAY 2 – Hard vs. Soft Inquiries
A hard inquiry doesn’t hurt as much as people think. Soft pulls don’t affect your score at all. Hard pulls do, but only 2–5 points (per inquiry) and only for 12 months (sometimes 24). What really matters is why and when you’re getting pulled. Multiple inquiries for the same loan type within a short window are treated as one. It’s not the inquiry that kills you tbh It’s you looking desperate to the lender. Nobody gives money to people who need it!
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