Welcome back, Snipers. Now that you know how to read your report (Lesson 1) and how to identify your targets (Lesson 2) it’s time to understand why those targets matter. Most people don’t realize their score is NOT the issue — the reporting is. Let’s break it down with precision. 🔥 SECTION 1 — CREDIT SCORES ARE DATA-DRIVEN, NOT EMOTION-DRIVEN Your credit score doesn’t care about: - how hard life got - why you were late - what happened to your job - what bills you were juggling It only reads the data. And if the data is wrong… your score will be wrong too. That’s why Snipers focus on accuracy, not excuses. 🔥 SECTION 2 — HOW ERRORS DIRECTLY CHANGE YOUR SCORE Here’s how reporting mistakes hit your score: 1️⃣ Wrong Late Payments A falsely reported 30-day late can drop your score 60–110 points. 2️⃣ Duplicated Collections If one debt is reporting two or three times? Your score is getting hit multiple times for ONE problem. 3️⃣ Incorrect Balances If an account shows a higher balance than reality, your utilization skyrockets — and your score tanks. 4️⃣ Wrong DOFD (Date of First Delinquency) If this date is reported incorrectly, an account might stay on your report years longer than the law allows. 5️⃣ Mixed Information Old names, old addresses, and wrong personal data often connect you to accounts that aren’t even yours. 🔥 SECTION 3 — WHAT THE BUREAUS MUST DO (BY LAW) Under the Fair Credit Reporting Act (FCRA): Credit bureaus must ensure data is: ✔ Accurate ✔ Complete ✔ Verifiable ✔ Up-to-date If any of those four fail, the bureaus must correct or delete the data. This is why accuracy is everything. You’re not arguing the debt — you’re challenging the quality of the reporting. That’s what separates a civilian from a Sniper. 🔥 SECTION 4 — THE “CHAIN OF Error” Most People Never Notice Errors usually follow this pattern: 1️⃣ Original creditor makes a mistake 2️⃣ Collector copies the mistake 3️⃣ Bureaus display the mistake 4️⃣ Your score gets punished for it

Welcome back, Snipers. Now that you’ve learned how to read your credit report in Lesson 1, it’s time to learn how to identify the real targets holding your score down. Most people panic at the score. Snipers focus on the details. Let’s lock in. 🔥 SECTION 1 — THE 6 MAIN NEGATIVE “TARGETS” ON YOUR REPORT Every negative item falls into one of these: 1️⃣ Collections Third-party companies claiming you owe them. Most vulnerable target — errors everywhere. 2️⃣ Charge-Offs Original creditor wrote the debt off. Looks scary, but often full of inconsistencies. 3️⃣ Late Payments Reported as 30/60/90/120 days late. High impact. Often inaccurate. 4️⃣ Inquiries Every time your credit gets pulled. Low impact. Easy target if unauthorized. 5️⃣ Bankruptcies Public record data. Harder, but full of reporting mistakes. 6️⃣ Utilization Issues Not a derogatory item, but a score killer. 🔥 SECTION 2 — WHICH TARGETS ARE EASIEST TO DELETE? Ranked easy → hard: 🎯 1. Inquiries🎯 2. Collections🎯 3. Late Payments🎯 4. Charge-Offs🎯 5. Bankruptcies🎯 6. High Utilization (must be paid down, not deleted) 🔥 SECTION 3 — WHAT MAKES A TARGET “WEAK”? These red flags make an account vulnerable: ✔ Wrong dates✔ Wrong balances✔ Wrong status✔ Duplicate reporting✔ Missing payment history✔ Mismatched info across bureaus✔ Incorrect personal info attached You’re not disputing — you’re identifying inaccuracies. 🔥 SECTION 4 — RED FLAGS TO CHECK FIRST Always verify: 1️⃣ Date of First Delinquency (DOFD) If it’s wrong → easy deletion. 2️⃣ Ownership Collectors often misreport who owns the debt. 3️⃣ Balance Consistency If each bureau shows a different number → violation. 4️⃣ Reporting Beyond Legal Timelines Old debts love to hang around. 5️⃣ Activity on Closed Accounts Not allowed in many situations. 🔥 SECTION 5 — WHEN TO CALL A PROFESSIONAL SNIPER (YOU) If someone finds: – multiple errors– mixed reporting– old names/addresses linked to accounts– charge-offs updating monthly– collectors unable to verify– accounts verified but still wrong