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.

Hey everyone I need your help. Been thinking about changing the name of the Skool. I feel it doesn’t clearly tell people what we do here. But what how do you feel about the current name? What are your first thoughts when you read the name? Thank you! David R. 🫍

It's still being edited. But I just finished recording a 100+ minute coaching call where I broke down my entire dispute process from scratch. We covered: • How I find inaccuracies across all 3 bureaus. • My Accuracy Attack process. • How I structure dispute letters. • Collections, charge offs, combo letters. • The mistakes that keep people spinning their wheels for months. It's raw. No fancy editing. No fluff. Just me explaining exactly how I do it while walking through real examples. If enough people actually want to see it before it's finished, I'll release the raw version first. Comment RAW if you'd watch it.

Alright I just completed my credit repair AI. Which is trained on my process for credit repair. This will help you with writing letters. Since it also has the law training. Not only the tone so it’s not robotic. And keeps all letters unique. But the actual law. Right now I am mainly looking for beta testers. Only need 5 people who want help. And aren’t afraid to post results. Comment “damages” if this is something you want to do. Thanks, David R

Which means I have not really been helping. Therefore I am going to looking for a way to create an accessible coaching model. More details will come. Also next Tuesday, I will be going over strategies on how to buy a business. I just emailed my SBA lender friend to see what else he can share with me. Cheers, David "Killa Whale" Ramirez 🫍