Hey everyone! I'm Tamiya Robles, your teacher and guide here inside Next Level Credit Academy 👋 I’m a credit expert with over 7 years of experience and the owner of FixMyCreditNow850.com. For the last two years I've hosted my podcast, Coast to Coast Credit, run several social media platforms and currently serve as the NAREB High Desert Chapter President in Victorville, CA. Now that you're here, let’s get to know you! Drop a quick intro below and share: - Where you’re from 🌍 - Are you here for personal credit, business, or both? - One fun fact about you 🎉 - (Optional) Post a pic of your workspace or where you get things done! Let’s build a strong, supportive, and goal-driven community together 💪 I’m excited to help you learn, grow, and LEVEL UP!

✅ Step 1: Pull Your Full Credit Reports. You’ll need all 3 bureaus. Use one of these: SmartCredit – $1.99 trial (Beginner-friendly and easy to read) AnnualCreditReport – Free weekly IdentityIQ ✅ Step 2: Review Your Report Like a Professional and Check EVERYTHING: Name spelling Address + personal info Any signs of fraud or identity theft Negative accounts Inquiries Public Records (Which there should be NONE) ✅ Step 3: Pay Attention to Color Codes: 🟩 Green = Good ⬜ Blank = Not hurting you 🟨🟥⬛ Yellow/Orange/Red/Black = 🚨 Pay attention! Focus on negative items and look for inaccuracies—most reports have them. ✅ Step 4: Write Your Dispute Letters: ✍️Target the accounts with errors. Point out each inaccuracy clearly. ✅ Step 5: Mail Your Letters: Send to TransUnion, Experian, and Equifax via certified mail. But don’t stop there—there are 63 credit reporting agencies in total. Check the others too! They may be affecting your approvals. ✅ Step 6: Wait for Your Results The bureaus have 30 days to respond. Stay patient, stay ready. 💬 Comment “LEVEL UP” once you've read this so that I know that you're ready to take your credit education to the next level.