I’m speechless right now!!! This is freaking amazing, I’m so excited right now to see a huge chunk of debt been decreased…. Thank you Melanie and your teams!!💚🤍❤️

Hello Level Up Fam! First, a huge THANK YOU to everyone for being an active part of this community and taking control of your financial future! We are truly thankful for your dedication. 🏆 This Week's Raffle Winner: Jose! @Jose Mendoza Since only one amazing member shared their credit wins this week, Jose wins the raffle by default! That means our live raffle drawing is CANCELED for this evening. Huge congrats to Jose! Jose's Incredible Win: Jose was able to apply for a debt consolidation loan and received INSTANT APPROVAL! - This means LOWER CREDIT CARD UTILIZATION as his balances have moved to an installment loan. - It also adds a new, positive INSTALLMENT LOAN PRODUCT to his credit file. - Ultimately, this will lead to a BETTER CREDIT SCORE! Remember: Lenders love to see well-seasoned credit reports with a mix of successful credit products! 🔥 Let's Fuel Up for Next Week! We want to see dozens of wins shared next Monday! Let's work tirelessly this week to get massive results so we can have a huge, exciting raffle next week. How to Enter the Raffle: It's simple: SHARE YOUR RESULTS! - Use the call scripts to delete lates or inquiries and share the outcome. - Follow the video walkthrough and send your first dispute letter. - Dispute ANYTHING and share a screenshot of the results. - Implement any strategy you learned and share the impact! Don't forget, we are all here to help each other! If you're stuck or don't know where to start, please ask a question! Keep crushing those credit goals! See you next Monday for the live draw! 🚀

So after buying the tradeline on credit karma my credit didn’t change at all. Had to get a personal loan to consolidate my credit cards. Figured, eh what the helly I can give it a try. Applied through my credit union and got approved instantly. I read the report and my credit currently sits at 650 with transunion. Last year my credit was 580 😬 so this 70 point jump has been great for me. Just paying cards down that I used for business inventory and website and marketing. Moral of the story, just because it didn’t change on credit karma doesn’t mean it didn’t change at all.

Good morning Fam! With 2026 being right around the corner, it’s important that we are doing everything we can to save money. I know a lot of us are working on fixing our credit, but once you're in a place where you're finally getting approved, 2026 is a great year to take advantage of balance transfer promotions. Here’s your credit tip for today. What is a balance transfer and how much could it save you? A balance transfer is when you move your existing credit card debt from a high interest card to a new card that offers a 0 percent introductory APR on balance transfers for a promotional period. If you transfer a balance, for example 5,000 dollars from a card charging 15% interest to a card offering 0% interest for a set period, and you pay it off during that time, you avoid all of the interest you would have paid. That alone can save you HUNDREDS to THOUSANDS of dollars depending on your balance and how long you would have kept that debt on the original card. This strategy frees up money, helps you pay debt faster, and gives you breathing room as you enter 2026 with a stronger financial plan. • Card Name: Citi Simplicity Balance Transfer Promo: 0% APR for 21 months Recommended Credit Score: 670+ • Card Name: Wells Fargo Reflect Balance Transfer Promo: 0% APR for 21 months Recommended Credit Score: 670+ • Card Name: Discover it Cash Back Balance Transfer Promo: 0% APR for 18 months Recommended Credit Score: 680+ • Card Name: Citi Double Cash Balance Transfer Promo: 0% APR for 18 months Recommended Credit Score: 670+ • Card Name: U.S. Bank Shield or Visa Platinum Balance Transfer Promo: 0% APR for 18 months Recommended Credit Score: 680+ • Card Name: Chase Freedom Unlimited Balance Transfer Promo: 0% APR for 15 months Recommended Credit Score: 670+ • Card Name: Bank of America Unlimited Cash Rewards Balance Transfer Promo: 0% APR for 15 months Recommended Credit Score: 670+ • Card Name: Capital One SavorOne Balance Transfer Promo: 0% APR for 12 months

I apologize for being a little MIA. I am visiting my family for the holidays and will be heading back home to the office on the 4th. I have some incredible things brewing for you all. Before anything else, I want to say I see you all working overtime to unlock courses, support each other, answer questions, and show up for this community. This is exactly what I dreamed this space would become and I am so proud and so thankful for every single one of you. Tonight’s raffle is cancelled, but that just means next week we will be picking TWO winners! Remember to share your screenshots of results and efforts and categorize them under “Wins!” to enter the raffle. Wishing you all a blessed week! 🎉