Hello, my name is [Full Name], and I’m calling regarding my consumer file. I have reason to believe that my personal information was compromised due to the recent TransUnion data breach. I am requesting the immediate deletion of any accounts that cannot be fully verified. Failure to comply will result in formal complaints being filed with the Consumer Finance Protection Bureau (CFBB), Federal Trade Commission (FTC), and the Office of the Attorney General. Can you confirm that you will initiate an investigation and promptly remove all unverifiable items from my report?

Did you know? One $200 balance on a $300 card (66%) can tank your score more than a late payment.

Fly first-class to Paris. Check into the Four Seasons. Call it a “business retreat.” Flight + hotel + meals = deductible under IRC §162. IRS pays for your luxury reset.

My client owed $9,200. They walked away after paying $3,800. Just 7 ChatGPT prompts that flipped the script: 👇 1 | “Write a negotiation email offering 40% settlement if I pay today.” → Triggers fast callbacks. 2 | “Design a plan to request a permanent APR reduction on my card.” → Huge long-term savings. 3 | “List my card issuer’s hardship programs and eligibility rules.” → Hidden lifelines most never use. 4 | “Draft a phone script to waive late fees immediately.” → Saves $25–$75 in minutes. 5 | “Find nonprofit credit counseling groups that negotiate with banks.” → Free pros on your side. 6 | “Compare cards with 0% balance transfer offers up to 18 months.” → Buys time interest-free. 7 | “Show me how to rebuild credit after paying off negotiated debt.” → Sets you up for growth. Save this. Use once. Your finances will change forever.

Here is how the 850 Credit Score is Calculated 👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾👇🏾 Everyone Starts at 300 + 😐 There are 5 factors that make up your credit score... 1. Payment History= 192.5 points (35%) New Score 😀 492.5 2. Utilization -165 points = (30%) New Score 😀😃657.50 3. Age of Credit-82.5 points (10-12 years =15% ) New Score 😀😃😄 = 740 4. Mixture - 55 points (Revolving, Auto Installment, Personal Installment, Mortgage=10% = New Score 😀😃😄😆795 5. Inquires -55 points (3-5 max = 10% = New Score 😀😃🤑😄😁🤑😆😀🤑= 850 Notice that 65% of your score is payment history and utilization. Pay your bills on time and keeping credit cards utilization under 30% is good, but in between 2-10% is excellent. If you have derogatory items such as late payments, repossessions, evictions, medical bills ect. Those can be legally removed from leveraging the Fair Credit Reporting Act, even if you owe the debt. 💯🎯