Alright, I wanted to post my credit repair journey so far. It's still on going, with more results to come. But this is what we got so far! But first, just a little story. Promise not to take too much for your time! So around this time two years ago, I wanted to start leveraging my credit so that I can purchase real estate assets. But I was told: "Your credit would need to be substantially higher in order for us to lend on a project with you." And it did hurt at first, but looking back at my trail of destruction, I had the following issues on my credit upon asking this. Repossession of a vehicle from back in I wanna say 2019. Written off as a charge off. A bankruptcy due to a medical bill which came with a lawsuit. 2021 if I recall. Several hard inquiries from applying for a personal loan. 2024 A hard inquiry from my bank that till this day still sits on there since 2014. Two credit cards that got sent to collections due to me leaving my old home in Alabama to go live with my mother and grandmother after their spouses/my step father and grandfather passed. My credit was roughly 556, and I was told I needed at least in the 600s to even begin. But there was just one problem, nowhere would accept me by means to improve my credit. No credit cards, cars, apartments, nothing would accept me. Fast forward a bit to nearly the end of 2024 I learned about unsecured credit cards. I signed up with my bank and deposited at the time, %90 of my paycheck one week into one. $250. I also signed up for a credit builder via credit karma to withdraw $20 a month. These gave me small bumps along the way to increase my credit. Mind you, I did pay my credit cards off that got sent to collections. I remember seeing midway through 2025, my vantage credit jumping to 622. Well! After obtaining credit repair from this wonderful community, it took some time before results came in. But one day I wake up to this notification from credit karma.(Vantage scores, I hadn't checked my Fico yet)

Congrats on joining. You’re here for one reason: to fix your credit as fast as possible so you can qualify for real funding. I’ve been where you are.I went from a 520 credit score to an 850, paid three different credit repair companies, and learned exactly what works, what’s slow, and what’s a waste of time. That’s why this community exists. 👇 First thing to do: Introduce yourself in the comments below and tell us :• Who you are • What you do • Your main goal (buying a home, investing, growing a business, funding, etc.) 💬 About this group: You’re welcome to ask questions and have conversations here. That said, Money Broker Society is the main hub and much more active day to day. This group was created so you have clear resources, structure, and support while we fix your credit and get you positioned for what’s next. 🚀 How to get the most out of this: • Post wins. Share updates. • Follow the process in order. • Move fast. The faster you move, the faster we move. And I mean it, if you remove negatives or lates, please post your WINS in the wins section. It is tough fixing credit, and when others see this it's great for culture in here. 📌 START HERE (CRUCIAL): 👉 Go through the Start Here section after you introduce This walks you through onboarding, expectations, and how the credit repair process works from day one. Skipping this is the #1 reason people slow themselves down. Now drop your intro below 👇 Then head straight to the Start Here section and let’s get to work.