I got denied for a card last week Thursday inside the branch location. Called the same bank at the parking lot, got approved for $12,000. Same bank, same application process, just a different person. There’s something in the credit game that most gurus don’t mention: “The Reconsideration Line”. You apply blindly for credit cards & get denied, you walk away defeated and take the inquiry hit. WRONG Every bank has a reconsideration line. A phone number you can call & talk to a human about why you should get approved for the card you’ve been denied for. They may denied you for too many inquiries from years ago, high utilization , or maybe a thin credit file. A real human can review over your application & ask you a few question onto why you should be approved for the card you’ve been denied for. I did this for myself & got approved right after I walked out the bank. Use this play before you get denied and give up, & let me know how it went

Whats up yall happy sunday. Most of yall go and apply for more than 1 credit card getting hella inquiries on ya credit report, but this play i'm finna give yall gon show you how to get 3 cards w/ 1 inquiry. These banks & lenders have certain bureaus that they report to when that time comes. Every single bank institution doesn't report to all 3 bureaus. For instance: Capital One pulls from ALL 3 bureaus, AMEX pulls from experian and transunion, while TRUIST pulls only from equifax. But your location can vary while applying. I know it sounds complicated but once you learn this you can leverage that for your own benefit when it comes to this credit shi. It's important to learn which bank pulls from which so you can apply strategically and only get 1 inquiry per bureau. I have a secret lenders list in my classroom section that shows you which bank pulls from which. I had got an AMEX card in january 2023 then got my navy fed card the same day because I know which bureau they both pull from. I also got an inquiry removal method to where after you get approved for the cards you can get the inquires removed and still have the card get shipped to your house as if you never attempted to do so let me know if yall want me to drop that play. Also stacking inquiries on your credit profile shows the banks that your high risk and that's gon keep you away from those $10k, $20k cards you've been wanting. I'm running this play for all clients who want to start building their credit the right way, if you want to start building your credit let me know we can get started ASAP

Wassup yall. Welcome to the newest members of the community just wanted to drop this little play I drew up for yall. Once yall go through me to start rebuilding ya credit you gon get approved for a secured card. Lil baby credit limit but don't let that discourage you this the play right here. Let's say you get a $250 limit card, don't spend over 20% on that card for the first 91 days. Always keep your utilization below that amount before and after the statement date this gon show the banks that you can manage what you have. They'll increase your limit around that 91st day fasho. No late payments, no high usage for the time you have that baby credit limit. So in other words stay down so you can start getting these high limits on ya secured. I ran this play and it worked for me

What’s going on yall, got a play for yall today 💎 most of yall get denied for a credit card and close the tab instantly. Nah, there’s a way around turning that denial into an approval without a extra hard inquiry, this how you run the play⬇️ First step: You can run this play within 30 days of you getting denied. DO NOT REAPPLY!! You already took that L getting denied, now it’s time to flip the switch on them. Second step: Call the bank and get connected with the reconsideration representative. These are the people who get on the phone with you and help you get approved for the card you were once denied for. All banks don’t have recon reps, so make sure you applying strategically on this one. Lmk if yall want me to drop the list of banks that do so you won’t be applying blindly. Third step: They’re going to ask you a few questions in regards of why you should get approved. Play it cool. Have your response ready for the rep. They’ll also ask how much do you make a year non taxed & taxed, certain banks don’t ask for income verification so you can tell them how much you make without showing paystubs. U can also merge your families income with yours to make it higher if needed. After this you’ll get put on hold so they can go over your credit report, DTI, and reasoning on why you should get approved. Depending on your responses this could get you in the door or denied. I literally ran this play earlier today and got approved for a chase credit card. So this works 100% ✅💎 First rep says no? Call the bank again and you’ll get connected to another rep and go over the same process. Switch up the reasoning and ask why the first rep didn’t approve you while your otp with the 1st rep. This’ll give you the answers you need to proceed with the next rep. Keep doing this until you get accepted you got 30 days to do so. Run this play and screenshot ya new limits under this post ✅

You saved up $1,500, paid off that collection and your score STILL went down. You did the responsible thing by paying off your debt but you still dealt the consequences. Here’s what they don’t tell you. As soon as you pay that collection off it remains on your credit report for 7 years reporting it as a “Paid Collection”. To lenders, they treat it as an unpaid collection when it comes to you applying for funding. Paying changed the balance, but the collection still remains. The play is sending over a pay for deletion letter to the creditor that’s holding a collection on you. NEVER pay first. Get an agreement from the creditor first, then pay a percentage fee to remove the debt and collection. The Email Script: I am willing to settle this account for [30% of the outstanding balance], provided your company agrees to remove this account from all consumer credit reporting agencies upon receipt and clearance of payment. Before I submit any payment, I require written confirmation of this agreement on your company’s official letterhead. The written agreement should clearly state that the account will be deleted from my credit reports with all three major credit bureaus in exchange for the agreed settlement amount. Debt collectors legally cant pay your debt and resell it to you for profit. There’s a whole consumer law that states that and you can also use this to remove collections. Run the play 💎