Where do I upload my documents?

Hey everybody new to the group !!!

I take Accountability for my misunderstanding of my credit and how credit really works. I’m learning and growing throughout this journey. Making sure I’m at the Zoom Meetings and asking Questions. No Questions are Dumb Questions. I know where I’m going and what my goals are. I wanted to share with you what my Growth is looking like. Definitely embarrassing but hey I’m Human and this is my learning Journey. Here is a Before and After the first round of disputes. It’s a little Win. But, this little Win is a Major Win for myself and my family. One step closer to Home Ownership. I was so scared to start this process and finally took that leap. This is what the first week and 1 whole month can look like with Rich Credit Academy. Those collections and negative activity is Literally dropping like flies 😁. These Credit Bureaus have been a roller coaster all month 😅 I’ve got some more work todo. But appreciate all of the positivity along the way. 🥰 I Couldn’t have done this without Rich Credit Academy. Literally taking me out of the mud and making me shine again. Thank you! @Ciera Frazier Trust the Process 🙏❤️🥰

Transunion is definitely being my problem child right now. I have one outstanding dispute and it wont allow me to place another dispute until that first initial dispute complete. ( I would also be disputing a total different item ) 🙄 I think they are officially tired of me 😁 ( The other 2 Bureaus have been quick to fix )

I’m going to keep dropping these gems so yall know how to fix your own credit while going through the program 💪🏽🔥😘 💡 WHY THIS MATTERS Before we even touch accounts… 👉 Your personal information section is the FOUNDATION of your credit report Old addresses, wrong names, and outdated employers can: - Keep negative accounts tied to your report - Make disputes harder to win - Cause your report to look inconsistent 💥 Cleaning this up first = stronger disputes + better results 🔹 STEP 1: Pull Your Credit Reports Go to: - Experian - Equifax - TransUnion 👉 Or use AnnualCreditReport.com (free) ✔️ Download or screenshot your full reports 🔹 STEP 2: Log Into Each Credit Bureau You must do this separately for each bureau: - Create/login to your account - Navigate to:“Disputes”“Help Center”“Credit Report Assistance” 👉 Look for “File a Dispute” STEP 3: Enter the Dispute Portal Once inside: ✔️ Select “Start a New Dispute” ✔️ Choose the category: Personal Information 🔹 STEP 4: Review Your Personal Information Section This includes: - Names (including misspellings) - Addresses (past & present) - Employers 🚨 This is where most people rush — don’t. Go line by line. 🔹 STEP 5: Remove Old / Incorrect Addresses What to look for: - Old apartments - Addresses you never lived at - Typos or incomplete addresses What to do: ✔️ Select the address ✔️ Choose: “I never lived here” OR “This is not my address” 💡 KEY RULE: - REMOVE addresses that are:❌ Outdated❌ Incorrect❌ Not tied to active accounts ⚠️ IMPORTANT (READ THIS) If you get a pop-up saying: “This address is linked to an account” 👉 DO NOT REMOVE IT YET Why? - That address is helping “verify” that account - Removing it too early can slow down disputes ✔️ Only remove addresses NOT connected to any accounts 🔹 STEP 6: Remove Incorrect Names Look for: - Misspelled versions of your name - Nicknames you didn’t use for credit - Completely wrong names