The banks aren't going to call you and ask if you want funding. The collections aren't going to delete themselves. The only difference between a 500 score and a 750 score is action. What is ONE thing you are doing today to fix your situation? - Sending a letter? - Paying down a balance? - Checking your report? Let’s get to work. 🚀 Stuck and don't know where to start? Book a free consultation and we’ll map out the smartest next moves for your profile: https://calendly.com/zachsodano/credit-consultation-call

Be honest. Who is sitting on the couch right now dreading tomorrow morning? I used to feel that knot in my stomach every Sunday night at 6 PM. It’s your body telling you that you aren't in control of your week. If you hate Mondays, don't change the day—change the strategy. The Challenge: Do ONE thing tonight that moves the needle for you, not your boss. - Draft that dispute letter. - Scan that medical bill. - List 5 items to sell on FB Marketplace. Take 20 minutes tonight to build your exit plan so next Sunday feels different. Comment below: What is ONE move you are making this week to fix your credit or income? 👇 Book a free consultation and we’ll map out the smartest next moves for your profile. 👉 https://calendly.com/zachsodano/credit-consultation-call

I see a lot of new members in here scared to use credit. You’ve been brainwashed by people like Dave Ramsey who tell you debt is evil. Let’s get one thing clear: Consumer Debt (shoes, dinners, vacations) = Evil. Business Debt (inventory, ads, leverage) = The Secret Weapon. I used credit cards to fund $4M in Amazon sales. If I tried to save up cash to buy that inventory, I’d still be working a 9-5. Stop being scared of the bank's money. Start learning how to deploy it. Discussion: What is the ONE thing you would buy right now if you had a $50k credit line at 0% interest? Drop it below. 👇 Book a free consultation and we’ll map out the smartest next moves for your profile. 👉 https://calendly.com/zachsodano/credit-consultation-call

Most people hear “credit mix matters” and assume: “More accounts = better score.” Not exactly. 👉 It’s about balance, not volume. If your profile is: - only credit cards - no installment history - or one old loan and a bunch of new cards …banks see an incomplete picture, even if your score looks solid. What lenders actually like: - revolving credit (cards) and - at least one installment account (loan, auto, etc.) - both with clean, on-time behavior This shows you can manage different types of obligations, not just swipe and pay. ⭐ Today’s Action Step Comment below:“Cards only” or “Cards + loan.” I’ll tell you: - if your mix is holding you back - what kind of installment account (if any) makes sense - and when to add one without hurting your profile 📞 Want a full breakdown of your credit setup? Book a free consultation and we’ll map out the smartest next moves for your profile. 👉 https://calendly.com/zachsodano/credit-consultation-call

Secured cards get a bad rep, but here’s the truth: 👉 A secured card done right can level up your profile FAST. A secured card done wrong just traps you at low limits. What people mess up: - opening too many secured cards - leaving them at $200–$300 limits forever - never graduating them - treating them like “training wheels” instead of leverage What actually works: - 1–2 secured cards max - higher deposits when possible ($1K–$3K if it makes sense) - consistent usage - low balances - graduating to unsecured as soon as you qualify Secured cards aren’t about being “new.” They’re about proving behavior quickly. ⭐ Today’s Action Step Comment: “Secured” if you currently have one or “None” if you don’t. I’ll tell you: - if a secured card still makes sense for you - when to graduate - and how to avoid getting stuck in secured-card limbo 📞 Want help choosing or graduating the right secured card? Book a free consultation and we’ll build the cleanest path forward for your credit. 👉 https://calendly.com/zachsodano/credit-consultation-call