Before I came to @Hoodrich Credit I was homeless and im still am I work two jobs but none of that matters is just a testimony because I can vouch myself coming to this man lile 3-4 weeks ago in the low 400-500's credit score I really was scared to take this risk because I been messed up by people that took advantage of my position but until he came through and told me invest your $105 im telling you me and my team got you! God bless me with a great mentor and great community and this team! Stay rooted yall!

While I amwaiting on my credit repair I just join around 3 AM in the morning. I literally wrote down 5 page notes and got done with the how to start your credit repair business and credit blueprint. I gained so much knowledge in 2 hours🙏

wassgood fam. droppin a real one for u today 🔋 most yall scared to shop around for a car loan or a mortgage cause u think every lender that pull ur credit is a separate hard inquiry tankin ur score. nah. FICO got a hidden rule built JUST for this. they call it the rate shop window. heres the deal. when u shoppin for a mortgage. a auto loan. or a student loan. FICO bunch ALL them inquiries together n counts em as ONE. dont matter if 8 different lenders pulled u. inside that window its a single hit. how long is the window. on the newer FICO models (8, 9, 10) u got 45 days. on the older models u got 14 days. on top of that theres a 30 day buffer. any inquiry less than 30 days old dont even count in ur score yet. so brand new shoppin dont ding u at all while u still lookin. why this matter. say u financin a car. instead of takin the first offer scared of ur score. u walk in knowin all them pulls collapse into one. now u free to actually shop the best rate. big catch u GOTTA know. this ONLY work for mortgage. auto. n student loans. it do NOT work for credit cards. every credit card application is its own separate hard inquiry. no bunchin. so dont go applyin to 5 cards in a week thinkin they gonna merge. they wont. the play step by step. first. know what ur buyin. mortgage auto or student. thats the only lane this work in. second. cram ALL ur rate shoppin into a tight 14 day window. that way every FICO model old or new protect u no matter which one the lender pullin. third. let em pull. compare ur real offers. pick the best rate. one inquiry. not eight. stop bein scared to shop fam. the window was built to protect u 🔋 who in here bout to finance a car or a house soon. drop it below n me n my team will tell u exactly how to time ur pulls 💎

aight last gem before I log off 🔋 most yall get a collection on ur report n run straight to disputin it wit the bureaus. but theres a move that hits BEFORE u ever touch equifax. its called debt validation. n it puts the collector on the spot to PROVE they even got the right to collect from u. heres the deal. when a third party collector FIRST contacts u about a debt. the FDCPA (section 1692g) say they gotta send u a written validation notice within 5 days. n u got 30 days from gettin that notice to send back a debt validation letter demandin they prove it. heres why that 30 day window so powerful. soon as u dispute in writin inside them 30 days. the collector gotta STOP all collection. they cant call. they cant push for payment. they cant keep it movin. NOTHIN. until they mail u back real validation. n heres the part most collectors cant do. u demand. the original signed agreement wit ur signature on it. proof THEY own the debt (the chain of title from the original creditor). a full itemized breakdown of what u supposedly owe. n proof they even licensed to collect in ur state. most of these collectors bought ur debt in a bulk spreadsheet for pennies. they aint got the original contract. they aint got the chain of title. so when u demand it. they cant produce it. n a debt they cant validate is a debt they cant legally keep collectin on. big catch u GOTTA know. debt validation only works on THIRD PARTY COLLECTORS. not the original bank u owe. if the debt still sittin wit the original creditor. this aint the lane. this for when ur debt been sold off to a collection agency. the play step by step. first. soon as a collector hit u. dont admit the debt is urs. dont agree to no payment. dont say nothin that confirm its yours. second. send ur debt validation letter inside that 30 day window. certified mail. return receipt. every single time. third. demand the signed contract. the chain of title. n the itemized balance. fourth. they cant validate. now u send that whole package to the bureaus demandin deletion. a collection that cant be validated cant stay on ur file.