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Owned by Leny

DIY credit repair with AI prompts you run yourself — analyze your report and draft custom dispute letters. No agencies. No BS

17 contributions to The Funded Business Method
What would you be doing right fucking now?
Say you woke up today and the bills were handled. You didn’t have to clock in or run the business or do any of that shit. What would you be doing right fucking now, bro? Like actually right now.
1 like • 2d
Building for generational wealth
Credit repair AI update
Been quiet in here, bro. Let me catch you up on what I’ve been working on. A big piece has been the credit repair AI system. I’ve been working on automating more of the process so it takes less manual work to move things forward. And yeah, this has taken a lot of my attention. I want to show you how it actually works, along with the results. We already have deletions. Right now, I’m gathering those results so I can put them together and show you what’s happened. I’ll start sharing more of that progress in here so you can see what’s getting built and how it fits into getting ready for business funding. What would you want to see first, bro? How the system works, or a breakdown of the deletions?
1 like • 14d
I created an AI credit repair app at the beginning of the year…it was a massive failure, lol. Hallucinations, made up ways to dispute things and at times even breaking the law made me retract the app and just do my simple AI DIY credit repair dashboard. So I’m glad to hear that you’ve had luck with deletions. That is what I’m most interested in. That being said, I still want to here about both 😂. Thank you David
1 like • 14d
@David Ramirez Yeah, I found that specificity helps, but the earlier models would sometimes (often times) go off the rails. When I put up more guardrails, my app barely worked, so I scrapped it and just never returned to that project. My biggest problem was that after making the rules stricter, the model looked at every attempt as a violation of the law. The I also had issues with trying to get it to read credit reports in different formats. It was just a fiasco for me and one I wasn’t willing to pursue any further I’m glad you did and that you’re having success. Congratulations
Just checking to see who did what?
Has Anyone Here Used Authorized User (AU) Tradelines from PersonalTradelines.com? Looking for REAL Experiences. I'm curious if anyone in this community has personally used PersonalTradelines.com to purchase AU tradelines, particularly as part of a strategy to build business credit or qualify for business funding. I'm not looking for sales pitches or theories. I'd really like to hear from people who've actually tried it. A few things I'm interested in: 1. Did it work? Did the tradeline report to your credit bureaus, and what impact did it have on your scores and overall credit profile? 2. Business funding results: Did it actually help you qualify for business credit cards, higher limits, or other funding? 3. Timing: How long did it take to report, and how long did the benefits last? 4. Lender reactions: Did any banks or lenders disregard the AU accounts or flag them during underwriting? 5. Was it worth the money? Knowing what you know now, would you do it again? I'm especially interested in hearing from anyone who used AU tradelines to strengthen their personal credit profile before applying for business funding. Even if your experience was negative, I'd love to hear it. Sometimes knowing what didn't work is just as valuable as knowing what did. And if you've found a better strategy for building a fundable credit profile, I'm all ears. Who here has actually tried this, and what happened?
0 likes • 20d
@Derrick Mitchell Thanks for sharing
1 like • 16d
@Marty Melton Good point. You're right to look at your whole credit file and not just the one account. One small tweak: there isn't a set 3-year rule. What counts is how the AU account stacks up against the accounts you already have. - Usually helps: an account that's older than your average account age, carries a low balance and has no late payments. That can raise your average age and lower your utilization. - Can hurt: a newer account, or one with a high balance. That can pull your average age down or push your utilization up. So my rule of thumb is older, low balance, clean history, and it reports to all 3 bureaus (like Derrick said above). Thanks for sharing what's worked for you 🙌
Weekend Event (Why I was MIA)
went to a business event to handle a few things. i am back now and ready to go! the friday email was a bust and i aplogize. really new a team so i can handle my in person events and this skool group. anyway comment the keyword here from friday's email and I got you on what i promised to give you!
0 likes • 19d
Method
Quick explanation of how the free course works 👇
I could've made everything completely free and unlocked from day one. The problem is that I've watched what happens when communities do that. Most people join, save a bunch of resources, tell themselves they'll come back later, and then never actually use any of it. That's why the free group is based on engagement instead of simply handing you everything immediately. When I say engagement, I don't mean spamming likes. Liking everyone's posts doesn't count because it doesn't really contribute anything. What does count is asking questions, posting your progress, sharing your experiences, helping other members, or joining discussions. In other words, actually participating in the community. At Level 2, you'll unlock the Inquiry Removal guide, the Travel Hacking guide, and the Funding Options Playbook. The reason I built it this way is simple. The biggest thing holding people back usually isn't information. It's action. Every time you ask a question, share a win, or help someone else, you're building the habit of participating instead of just consuming. By the time you've unlocked everything, you've already developed the momentum that gives you a much better chance of actually using what you've unlocked. For the people who'd rather skip the leveling system, there's also a Premium membership for $97 per year. That's there for people who want immediate access and are comfortable making a financial commitment. Some people respond better when they've invested in themselves, while others are perfectly happy earning their way through the free path. Either option works. My goal isn't to make things harder. It's to build a community where people actually execute instead of collecting another folder full of resources they'll never open.
1 like • 21d
Method
1-10 of 17
Leny Pearson
3
14 points to level up
@leonard-pearson-6977
You should see what I'm building now! Credit Repair Tools, AI Integrations, Stunning Websites. AI Clones and a lot more

Active 1d ago
Joined Mar 29, 2026
Palatka, FL 32177
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