As the CEO of your business, two things are always under your control: your attitude and your activity level. No excuses. No waiting. No outsourcing responsibility. Your growth, your funding, and your outcomes are a direct reflection of the standards you set and the actions you take daily. If something isn’t moving, ask yourself first: Am I showing up the way a CEO should? Take ownership. Take action. Be intentional today.

I am out in Clearwater Florida at a MyFreeScoresNow Conference networking & learning new things to bring back more value to our community. We will resume again next week. But feel free to drop any questions below in the meantime!

Most people cash out their points for gift cards or statement credit. It’s quick… but it’s also the lowest value you can get. When you know how to work transfer partners, those same points can cover flights and hotels worth 2–3X more… sometimes enough to take you from economy to business class without paying extra cash! On today’s Points to Paradise call in the Inner Circle, Kyle is breaking down: 💡 Where to find the highest-value redemptions 💡 Which partners give you the most bang for your points 💡 Real examples you can copy for your next trip 👉 Don’t let your points sit there when they could already be paying for your next trip

A credit score is a risk tool lenders use to predict how likely you are to repay a loan. It affects approvals, limits, and interest rates but only if you’re tracking the right score. Many people monitor a score without knowing which model it comes from. Ask yourself: Are you seeing a FICO® score, a VantageScore, or a third-party consumer score lenders don’t use? Why this matters: 🔹 FICO® Scores are used by about 90% of lenders 🔹 VantageScore is widely shown for free but used by less than 10% of lenders If you’re optimizing the wrong score, your fundability won’t improve. No matter the model, always: ✅ Know which score you’re viewing ✅ Monitor your full credit file, not just the number ✅ Focus on heavily weighted factors especially on-time payments Fundability improves fastest when you work on the levers lenders actually measure.

📣Heads up! Before you send in any funding apps, there’s one massive mistake most people don’t even realize they’re making. It’s not your credit score. It’s not your income. It’s jumping in too early or without a plan. That kills your approval chances every time. 💬 Been there? Drop a comment. Think you know what it is? Share below.