— Money Is a Tool, Not a Trap Let’s enter the week focused on freedom, not fear: - M — Manage Your Emotions Around Money - O — Open Yourself to Overflow - N — No More Scarcity Thinking - D — Don’t Delay Decisions That Create Wealth - A — Ask Bigger, Believe Bolder - Y — Your Mindset Shapes Your Money

The 5 Credit Score Factors Breakdown: Payment history (35%), Utilization (30%), Length (15%), Mix (10%), Inquiries (10%) 📌 Tip: Focus on on-time payments and <10% utilization first.

Start your week with purpose & power: - M — Money Mindset: Think like the financially free - O — Own Your Decisions: Take responsibility & act - N — No Excuses: Replace excuses with action - D — Debt-Free Dreams: Focus on eliminating debt - A — Abundance Mentality: Believe there’s more than enough - Y — Your Legacy: Build it starting now

1️⃣ Q: What is a good credit score? A: A good credit score typically starts at 670 and above. Scores between 740–799 are considered very good, and 800+ is excellent. 2️⃣ Q: Why did my credit score drop after paying off a loan? A: Paying off a loan can lower your credit utilization and remove an active account, which may temporarily lower your score. Over time, your positive payment history still helps your score. 3️⃣ Q: How many credit cards should I have? A: There’s no perfect number, but having 2–3 cards you can manage responsibly helps build credit. Keep utilization low and pay on time. 4️⃣ Q: What is a hard inquiry vs. a soft inquiry? A: A hard inquiry happens when you apply for credit and it can lower your score slightly. A soft inquiry (like checking your own credit) doesn’t affect your score. 5️⃣ Q: Can I remove late payments from my credit report? A: If they are inaccurate, you can dispute them. If accurate, you can write a goodwill letter to the lender requesting removal — but it’s not guaranteed. 6️⃣ Q: How long do negative items stay on my credit report? A: Most negative marks stay for 7 years, bankruptcies up to 10 years. Positive accounts stay longer and help your score. 7️⃣ Q: What is credit utilization? A: It’s the percentage of your available credit you’re using. Aim to keep it below 30%, and ideally under 10% for the best scores. 8️⃣ Q: Do medical bills hurt my credit? A: Only if they go unpaid and are sent to collections. Recent rules also give you a grace period before they appear on your report. 9️⃣ Q: Should I close unused credit cards? A: Not always. Closing cards can lower your available credit and hurt your score. If there’s no annual fee and you can keep it open responsibly, it’s better to leave it. 🔟 Q: Can I build credit without a credit card? A: Yes! You can build credit with secured loans, auto loans, rent reporting services, or secured credit cards. 1️⃣1️⃣ Q: What should I do if I find an error on my credit report? A: Dispute the error with the credit bureau(s) in writing or online. They have 30–45 days to investigate and correct it.

Gracious Father, Thank You for the gift of this new day. Before I ask for anything, I praise You for everything — for breath in my lungs, for peace in my heart, and for the blessings already around me. Lord, I lift up my life, my business, my finances, and my purpose to You today. I ask that You align me with Your abundance — not just in money, but in peace, wisdom, opportunities, and overflow in every area of my life. Remove the spirit of lack and limitation from my mind. Break every cycle of fear, doubt, and scarcity. I receive the truth that You are my Provider, and Your supply has no limits. Let my hands be diligent, my heart be open, and my mind be sharp. Open doors no one can shut, and send divine connections, ideas, and resources my way. I declare that abundance flows to me with ease and purpose — not just for my benefit, but so I may be a blessing to others and a vessel of Your glory. Thank You, Lord, that I walk in favor, purpose, and divine provision. I trust You to exceed my expectations today. In Jesus’ name, Amen. ✨ Affirmation for Abundance ✨ 💬 “I am aligned with God’s abundance. I attract opportunities, resources, and favor effortlessly. My hands are blessed, my mind is clear, and my heart is open to receive. I lack nothing, because God supplies everything I need — in overflow. I am a vessel of wealth, peace, and purpose, and I use my abundance to bless others.”