I know some of y’all in here have done inquiry sweeps b4. I’m tryna learn the process myself. If anybody’s willing to share how u did it or got any tips, lmk. Appreciate it.

Yoo that navy pledge loan play work for kickoff where you pay like 90% and let the rest report?

I’ve been seeing the “Have I Been Pwned” play all over recently. What’s your take on it? Can you explain what you think about it and whether you believe it’s actually useful or just another trend?

Idek how I didn’t get approved with NFCU even with that 260 internal score. What else bank pull from TU. I need new credit card⁉️

wassgood fam. droppin a real one for u today 🔋 most yall got a couple cards n u grindin ur utilization but ur file still feel stuck. heres why. u only got ONE type of credit on there. all revolvin. no installment. n that caps how high u can climb. heres the deal. ur score looks at ur credit MIX. thats havin different KINDS of credit. revolvin (cards) n installment (loans). its bout 10% of ur score. a file thats all cards n no loan is missin a whole lane. u could have perfect cards n still leave points on the table just cause u aint got no installment tradeline. now most yall thinkin i dont wanna take out no loan n owe nobody. u dont gotta. theres a move built exactly for this. a credit builder loan. heres how it work. the bank dont hand u the money up front like a regular loan. they lock it in a savings account in ur name. u make a small monthly payment. like $25 a month. n every payment they report to all 3 bureaus as a installment loan. equifax. experian. transunion. so u buildin payment history AND addin a installment tradeline at the same time. then at the end of the term u get ALL that money back. it was ur savings the whole time. so u aint really borrowin. u savin money n buildin credit at the same time. thats why this move so clean for a thin file. the play step by step. first. pick one that reports to all 3 bureaus. some only hit 1 n that aint worth it. ask before u sign. second. keep the payment small. $25ish a month is plenty. u aint tryna strain urself. third. set it to autopay. a late on this hurt u the SAME as a late on a card. so u never wanna miss one. keep it perfect. fourth. let it ride the full term. dont close it early. u want that clean finished installment history sittin on ur file. at the end u get ur cash back. big catch u gotta know. read the fees before u pick one. some charge a lil admin fee up front. n u only need ONE of these. dont go openin 3. one installment tradeline reportin clean does the job. real talk. this the missin piece for a lotta yall. u been grindin cards n wonderin why u stuck in the 600s. u aint got no installment history on ur file at all. one credit builder loan fix that n hand ur money right back at the end.