"Comment" below with ONE win + ONE goal for the week. (Example: “Win – Sent Round 1 disputes | Goal – Follow up with Experian by Friday”) Let’s run it up this week! if you haven't already, please REGISTER for Disputing Class Wednesday @7pm , you can hop on at any time. Class is usually at least 1 hour 30 min, so i can review your credit report to start your disputes. https://us06web.zoom.us/meeting/register/tZUtcO2tqDsjGtUWMqcfREiIVnTXz2rrAWCr

I want to help 👀 , i get it LIFE HAPPENS Maybe you didnt remove a specific account and now your salty 😅 Maybe your like can i really do this 😬 Let me know if you need me because im ready to help you !🦾

Let’s Be Honest — Most Aren’t Consolidating Anything Many companies advertising “One low payment!” are debt settlement companies in disguise. They make their money by getting you to stop paying your creditors, then “negotiating” a payoff — all while your credit takes hit after hit. How Debt Settlement Really Works (The Setup) • You pay the company, not your creditors. • They stop sending payments to your accounts on purpose. • Your accounts go late → into collections → get charged-off. • After months (or years) of damage, they try to negotiate a lump-sum settlement. Sounds like help? Think again. The Credit Score Damage Late Payments: Just one 30-day late can drop you 50–100 points. Collections & Charge-Offs: Stay on your credit for up to 7 years. High Utilization: Balances remain high during “negotiation.” No Positive Reporting: While they “help,” you’re building zero positive credit history. The Hidden Financial Risks • Huge Fees: Often 15–25% of your total enrolled debt. • Tax Surprise: Forgiven debt may be taxable income. • Lawsuits: Creditors can sue you while you’re “waiting” for settlement. Companies to Be Careful With These have been repeatedly reported by consumers for harming credit and using high-fee settlement tactics: • Freedom Debt Relief • National Debt Relief • CuraDebt • Accredited Debt Relief • Pacific Debt Inc. • Debtmerica • Century Support Services • ClearOne Advantage • Beyond Finance • New Era Debt Solutions (Note: Many of these market themselves as “debt consolidation” but operate primarily as settlement companies.) What You Should Do Instead (Protect Credit + Pay Off Debt) Debt Management Plan (DMP) – (I Can Creat you a plan) Negotiate Directly with Creditors – Ask for hardship programs or lower APRs. Balance Transfer Credit Card – 0% APR for 12–21 months if you qualify. Snowball or Avalanche Method – Pay off one account at a time. Boost Income – Apply extra earnings directly to principal.

Step 1: Introduce yourself below with this copy/paste template: What's your name? Where you from? What do you do? What's your goal inside this community? What triggered you to sign up? (Was it an email, IG post, Skool post?) Step 2: Go to Step 1: Removing Personal Information😊! .THEN WATCH THIs VIDEO IN THE CLASSROOM TO START REMOVING PERSONAL INFORMATION in 24 HOURS 💪🏽! Register for LIVE zoom 🎥 class, Tuesday at 7:30 PM Central inside our Zoom classroom! ✅ Each session is recorded and uploaded to the Live Replay section, so you’ll never miss a class. 🔗 Register now for our weekly sessions: Register for Weekly Zoom ⚠️ IMPORTANT: This is the BEST place to get my 1 on 1 help . i will pull your credit report and help you start your disputes , Feel Free to Ask me anything! ⚠️ If you need my help , SELECT THE CHAT 💬 button and send me a DM 💬 . 📄 What You Need Before Class: 👉 Pull your credit report here 7-day free trial of all 3 bureaus for just $1:https://member.myfreescorenow.com/join/?PID=20083&AID=RoseCreditRepair&ADID=CRC Step 3: Download the Skool APP to your Phone 📲 Step 4: Utilize the search tool to input keywords for any questions; someone may have already asked the same question before.Familiar yourself with the community by exploring all tabs and videos available. Best Practices : 1) Have a profile photo. 2) Space out all your writings into single sentence paragraphs (like I'm doing here). 1) No Self Promotion 2) No Selling in the DM's 3) No Spamming the Community Feed