Goodmorning everybody before I joined the mentorship I started a secure credit card w/ navy federal in August 31st, 2025 & 2 days ago they randomly increased my limit by a few thousand & made my secure a real credit card. All from me not missing any payments & my usage was high soo I consistently paid off my total balance. I never mentioned a increase or a legitimate credit card conversion @ all to them. Goes to show how Great they are.. 🔥

wassgood fam. droppin a real one for u today 🔋 most yall been sold a "609 letter" like its some magic bullet that forces the bureaus to delete anything they cant prove wit a signed contract. real talk it dont work like that n im bout to show u why. heres the deal. section 609 of the FCRA aint a deletion law. all it does is give u the RIGHT to SEE whats in ur file. who reported it. n ur right to a copy of ur own report. thats it. it dont say one word about the bureau havin to hand u a signed contract or delete nothin. the myth. people online sellin u 609 letter templates for $40 tellin u to demand the original signed agreement n if they cant produce it they gotta delete the account. nah. thats just not what 609 says. so when u mail that letter they send u back a copy of ur file n keep it movin. nothin deleted. now u out $40 for nothin. what ACTUALLY deletes stuff is two other sections most yall never heard of. section 611. thats the reinvestigation lane. u dispute info that is INACCURATE or unverifiable. wrong balance. wrong date. wrong status. wrong account number. a account that aint even urs. the bureau got 30 days to investigate n if it cant be verified it comes off. section 623. that puts the duty on the FURNISHER. the lender or the collector. to report accurate info n fix they own mistakes. so the power was never in quotin 609. the power is in findin the ACTUAL errors n disputin em under 611. facts. not magic words. the play step by step. first. pull all 3 reports at annualcreditreport.com. its free. dont pay nobody for it. second. go line by line on every negative. compare the balance. the open date. the date of last activity. the status. n the account number ACROSS all 3 bureaus. they almost never match perfect. third. dispute the specific inaccuracy u found. not "prove it wit a contract." u say this date is wrong. this balance is wrong. this status is wrong. point right at the error. fourth. certified mail every time. return receipt. keep ur paper trail. real talk. stop payin for them 609 templates floatin around online. the statute they sellin u dont even do what they claim it do. the real deletion power been sittin in 611 the whole time n it dont cost u nothin but a stamp. u got a negative on ur file u been tryna knock off? drop what it is n which bureau its on below n me n my team will tell u exactly what to dispute n how to word it 💎

When will I be able to start the courses bro.