1. “Hi, I’m Cathy a Realtor licensed in MS & TN from Southaven, MS. My main goal right now is to get my credit in position to be able to invest in properties and buy an Airbnb within the next 6 months or less. Fun fact: I love traveling. I’m excited to learn funding plays and connect with everyone here!”

If you own a business, monitoring your business credit report is just as important as checking your personal credit. NAV is one of the best tools for this because it pulls data from Dun & Bradstreet, Experian, and Equifax. Here’s how you can review your report step by step: 1. Create Your Free NAV Account - Go to nav.com - Sign up for a free account (you can always upgrade later for more details). 2. Verify Your Business - Enter your LLC or business name and confirm your EIN. - NAV will match your profile with the major business credit bureaus. 3. Access Your Business Credit Reports - Once verified, you’ll see your Dun & Bradstreet, Experian, and Equifax business credit summaries in one place. - Look for: Paydex Score (D&B) Intelliscore (Experian) Business Credit Risk Score (Equifax) - 4. Review Key Sections - Business information: Make sure your business name, address, and industry code (NAICS/SIC) are correct. - Credit accounts/tradelines: Check if vendors and lenders are reporting your payments. - Public records: Look for liens, judgments, or bankruptcies. - Payment history: Review if you’re showing “on time” or “late” payments. 5. Take Action - Dispute any errors directly with the bureaus. - Add more vendor accounts (like Uline, Quill, or Summa Office Supplies) if your report looks thin. - Keep business credit cards and lines of credit in good standing. ✅ Next Step: Log in to your NAV account today and screenshot your business credit report summary. Drop it in the comments so we can help you analyze it.

Here’s a real money play… I didn’t just furnish one Airbnb. I furnished an entire duplex: 🏡 Top Unit: 3 bedrooms 2 bathrooms 🏡 Bottom Unit: 3 bedrooms 2 bathrooms Every single piece of furniture décor and household item was covered using Affirm approvals and other credit lines with over $10,000 in limits. 🛏 Bedroom sets 🛋 Living room furniture 🍳 Kitchen appliances 📺 TVs microwaves toasters and more Instead of using credit to waste money I used it to create income producing assets. Now both units are fully furnished and generating cashflow every month. This is how you flip credit into cash into long term wealth. 👉 Who wants me to break this down into a step by step playbook so you can run it yourself?

When you pay off a collection account, you’re settling the debt with the collection agency. That payment doesn’t erase the history of the account. It only updates the status to “paid collection.” Removing it gives your score more room to increase, especially if it’s one of only a few negative items.