Pop quiz: Where do most people check their credit score? If you said "Credit Karma" - you're not wrong, but you're not getting the full picture. **Here's what you need to know:** 📱 **Credit Karma, Credit Sesame, etc.** - Free and easy to check - Good for monitoring trends - ❌ NOT what lenders see when you apply for a mortgage 🏦 **What Lenders Actually Use:** - FICO Score (specifically FICO 2, 4, and 5 for mortgages) - Can be 20-80 points DIFFERENT from Credit Karma - This is what determines if you get approved **How to get your REAL credit reports:** 1️⃣ Creditscorego.com -$29 a month for the credit report -Includes Free AI assisted credit repair -Cancel anytime 2️⃣ *AnnualCreditReport.com** (Government site) - Free reports from all 3 bureaus once per year - Shows ALL your accounts and history - No score included (just the report) **Questions?** Drop them below! 👇

What topics do you need the most help with? I’m thinking about doing some zoom group sessions where we can work together and be accountable

I've reviewed HUNDREDS of credit reports, and I see these mistakes over and over. The good news? They're easy to fix once you know about them. **Stop doing these 7 things:** 1️⃣ **Closing old credit cards** ❌ "I paid it off, so I closed it!" ✅ Keep it open (even if you don't use it) to maintain your credit age and available credit 2️⃣ **Only paying minimums** ❌ $25/month on a $500 balance ✅ Pay as much as you can to lower utilization fast 3️⃣ **Ignoring errors on your report** ❌ "It'll fall off eventually" ✅ Dispute it NOW - it could be costing you 50+ points 4️⃣ **Applying for credit everywhere** ❌ Trying 5 different credit cards hoping one approves you ✅ Research first, apply strategically (I share which cards approve low scores in my courses) 5️⃣ **Not checking your reports regularly** ❌ "I'll check when I'm ready to buy" ✅ Check every 3-6 months - early detection = faster fixes 6️⃣ **Only using Credit Karma** ❌ "My Credit Karma says 700!" ✅ Credit Karma uses VantageScore. Lenders use FICO. They can be 50+ points different! 7️⃣ **Giving up when you see a low score** ❌ "My credit is too bad, I'll never own a home" ✅ Credit is FIXABLE. I've seen 580s become 720s in 6 months with the right strategy. **Be honest: which one(s) are you guilty of?** 😅 No judgment here - we've all made these mistakes. The key is stopping them once you learn it’s not good for your goal.