If an account says: ⚠ “120 days late” but you were never 120 days late ⚠ “charged-off” but you settled or paid ⚠ “open” when it’s closed Those labels change your score — BIG time. Fixing status errors can improve your credit without deleting anything.

Your business phone number should reflect the local area code of the business address listed on the Secretary of States website. Use a local phone number so you can place it in the local 411 directory assistance. Vendors, lenders, business bureaus and clients expect a local number that makes sense. A simple online search of your phone number should bring your business name and business address up. A separate business phone number with a local prefix is important. You can do an internet search for local phone number providers. Some national providers include, QuickTalk, Grasshopper, and Freedom Voice. Never use your cell phone. There are no public directories for cell phone numbers due to privacy laws and the cost to phone companies if they make numbers publicly available. Once you find a phone provider to issue a local landline phone number with the area code of your business address, you can always have that number transferred to your cell phone number IF YOU MUST. If you do this, be sure to change your cell phone greeting to answer in your business name. Your cell phone voicemail must state the name of your business. I do not recommend (800) numbers either. An (800) number can’t be placed in the local phone directories. You CAN place (800) Numbers with online directories, business bureaus and place on credit applications. (800) numbers are great for sales leads or customer service lines but not for your main business phone number. Some phone directories to add your local number to include https://www.411.com/ http://www.listyourself.net/ListYourself/

Don’t dispute because you’re frustrated — dispute because something is wrong. The law protects accuracy, not feelings. Every dispute should target clear errors like: 📌 Wrong balance 📌 Wrong dates 📌 Wrong status 📌 Wrong ownership Facts win. Emotions distract.

You can dispute for months and see no movement… …but paying down one high card below 30%, or even 10%, can spike your score in DAYS. Utilization is the quickest win in the credit game: ✔ Immediate score impact ✔ No letters required ✔ No waiting on bureaus

Happy Friday Millionaires, hope you guys are having a productive and profitable week! Wanted to drop this gem on you that I find is a GREAT way to get more real time updates on your clients' profiles, WITHOUT having to constantly waste your monthly report, IF you are using MFS: ✅Always have clients use your affiliate link, you get paid for it and get their login details in the process ✅Start by pulling the 3-B report and use THAT to build your disputes ✅ Submit your disputes via the mail with tracking information (especially first round) ✅Come BACK to MFN and use their Smart Credit Report (Unlimited FREE daily updates) ✅Check accounts that are still listed as negative and submit CFPB complaints for THOSE accounts ✅Keep applying pressure and keep getting results This is the method I have my team utilize EVERY SINGLE DAY, so clients CONSTANLY feel like we are fighting on their behalf.