We're shifting from simply repairing credit to BUILDING CREDIT PROFILES THAT CAN OPEN DOORS TO FUNDING. This month's challenge is to study LightStream, understand its lending criteria, and prepare your profile for a potential $25K+ funding opportunity. 🔥 YOUR NOVEMBER HOMEWORK WEEK 1: KNOW YOUR FUNDING PROFILE - Pull your latest reports from all three bureaus. - Identify your current FICO scores. - Count your open revolving and installment accounts. - Identify your oldest account. - Count your recent inquiries on each bureau. - Calculate your current debt-to-income ratio. WEEK 2: STRENGTHEN YOUR PROFILE - Review your existing installment loan history. - Identify any inaccurate account information that needs attention. - Review your credit card balances and available limits. - Check your current payment obligations. - Review your savings and financial reserves. WEEK 3: LIGHTSTREAM CLASSROOM STUDY - Go through the LightStream classroom module. ( How to Get Approved for the LightStream Auto Loan Play )—— - UPDATE- USE www.truist.com for the Lighstreamloan - Study the different loan purposes available. - Understand how loan amounts, terms and APR affect monthly payments. - Review the application requirements. - Calculate what a $25K loan would actually cost you based on a realistic interest rate. - Determine whether the loan purpose matches your actual financial needs. WEEK 4: FUNDING READINESS REPORT Prepare a funding readiness report with: 1. Your current FICO score. 2. Your total number of open accounts. 3. Your oldest account's age. 4. Your current inquiry count. 5. Your current debt-to-income ratio. 6. Your biggest obstacle to qualifying for funding. 7. Your action plan for December. You do NOT have to apply for a loan to complete this challenge. We want preparation, not unnecessary hard inquiries. 🏆 THE NOVEMBER GOAL:

BigFam, you don’t always need a new credit card to access a higher limit. Sometimes, you can request an increase on the card you already have! Here’s how: ✅ 1. Log in to your bank’s app or website and look for “Credit Limit Increase.” ✅ 2. Check that your payments are current and your balances are manageable. ✅ 3. Before submitting, ask your bank if the request requires a hard inquiry and what qualifications you need. ✅ 4. If you're still in our credit repair process, check with our team before submitting the request. 🔥 YOUR BIGFAM CHALLENGE: Check your bank’s app today and see if you have the option to request an increase! Comment below: A. Found the option! B. I need to call my bank. C. I'm preparing my profile first. If you've received an increase before, which bank approved you? Let's help the community learn from your experience! 👇🏽

Hi guys joined oct 21st and my credit already increased by 79 pts 🥳🥳 I knew this would be the best decision in 2026

Hey fam, who’s pulling up to the VIP Masterclass with me tonight at 9 PM ET? 💪🏾 Drop a 🔥 in the comments if I’ll see you there! Let’s get to work, fam! 👊🏾

Great afternoon everyone, because I was traveling, I didn't get the chance to update my progress. I joined Credit Repair on October 6 /2026 and as of October 20th 2026 this was my progress. Thank to @Andre Lewis and the staff of Big Faith Academy. 💯🙏🔥🔥🔥