Happy Thanksgiving, CFS Community 🦃 I’m Grateful for each of you and the way you show up here. Happy Thanksgiving! May your family and friends have a Wonderful and Blessed Day full of rest, good food, and warm conversations. If you’re up for it, drop 1 thing you’re grateful for today and tag someone here who made your year better. 💛 Many Blessings 🫶🏽

1. Is your name correct? 2. Is your Social Security number correct? 3. Is your current address correct?Is your current phone number correct? 4. Are the previous addresses they have listed for you correct? 5. Is your marital status listed correctly? 6. Is the employment history they have listed for you accurate? 7. Is everything listed in the personal information section correct? 8. Is there anything listed in the public record information? Is it correct? Highlight the information you think may not be correct 9. Are the accounts on the list still open? Review each item under the credit account (trade account) section. 10. Are all of the current balances correct? 11. Are accounts where you are an authorized user or joint owner listed? 12. Are zero balances recorded for debts discharged in bankruptcy? For debts paid in full? 13. Are you listed as a co-signer on a loan? Is this correct? 14. Are accounts that you closed listed as “closed by the consumer”? 15. Is negative information reported on each credit account correct? Look for late payments and missed payments. Highlight those items you think are not correct. 16. Are any accounts listed more than once? Check to make sure the same account is not listed multiple times in the collections section. 17. Is old negative information still being reported? If yes, highlight the information that has exceeded the negative information reporting limit, which is usually seven years. 18. Do you suspect that you have been the victim of identity theft after reviewing your credit reports? Pre-Qualified Links Now you can see if you Pre-Qualify Citi Bank https://www.citicards.com/cards/credit/application/flow.action?isInvitation=Y# Bank of America https://secure.bankofamerica.com/login/eclo/entry/findCustomizedOffer.go Chase https://www.chase.com/prequalified

Try these 7 expert prompts to help you understand, rebuild, and raise it faster than any “credit repair” agency: 1. CREDIT BREAKDOWN ANALYZER “Explain my credit score in detail based on these factors: [credit score, utilization %, late payments, open accounts]. Identify what’s hurting it most and what I can fix first.” 2. 90-DAY CREDIT REPAIR PLAN “Create a 90-day step-by-step plan to improve my credit score from [current score] to [target score]. Include daily, weekly, and monthly actions.” 3. DEBT STRATEGY OPTIMIZER “Using my debts [list balances and interest rates], design a prioritized repayment plan that reduces interest and improves credit utilization fastest.” 4. CREDIT DISPUTE DRAFT ASSISTANT “Write a professional, factual dispute letter for this credit report error: [describe issue]. Keep it clear, firm, and compliant with FCRA guidelines.” 5. CREDIT UTILIZATION TRACKER SETUP “Help me create a simple spreadsheet or Notion tracker to monitor card usage, due dates, and balance percentages across all accounts.” 6. HARD INQUIRY MINIMIZER “Explain how to limit the damage from multiple hard inquiries and when they stop impacting my score. Include a smart timing plan for future applications.” 7. CREDIT GROWTH ROADMAP “Based on my financial situation [income, debts, goals], recommend safe credit-building tools (secured cards, loans, etc.) and explain how to use them effectively over time.” Save this and come back to it.

In 2025, there is no reason to be broke. Every platform pays you if you use it right. Stop scrolling. Start creating. Here’s how to make money on each platform 📌 Facebook • Post value daily • Go live a few times a week • Reply to every comment • Use Reels for extra income • Build community → trust → money 📌 TikTok • 3–5 short videos a day • Give tips, tell stories, teach what you know • Use strong hooks • Go live when a video is trending • Link your offers in your bio 📌 Instagram • Consistent Reels • Aesthetic + value carousels • Daily stories with polls & engagement • Use comments as a funnel • Sell through DMs + link in bio 📌 YouTube • Post Shorts daily • 2 long videos/week • Search-based content wins • Ads + affiliates + digital products = long-term income 📌 Pinterest • Pin daily • Use searchable keywords • Link back to your website/products • Infographics get saved for months 📌 Threads / X / Snapchat • Drop quick value lines • Build conversations • Push traffic to your main platforms Here’s how creators are getting paid right now: • Facebook = Lives + Reels + community • TikTok = short value videos • IG = Reels + carousels • YouTube = Shorts + searchable videos • Pinterest = traffic for MONTHS

9 AI tools your boss doesn't want you to know!! 🤫👇👇 1. chatgpt.com – handles tasks with ease 2. heygen.com – builds realistic speaking avatars 3. genei.io – condenses lengthy research quickly 4. ideogram.ai – produces visuals using text input 5. lovo.ai – creates voiceovers with AI voices 6. mymind.com – organizes links with smart bookmarking 7. steosvoice.com – imitates celebrity voices 8. tabnine.com – supports your coding with AI suggestions