This is one of those updates you gotta UNDERSTAND, not just skim 📈 SCORE MOVEMENT: - Experian: +95 → 713 - TransUnion: +145 → 695 - Equifax: 0 (FILE COMPLETELY CLEARED) ⚠️ IMPORTANT CLARIFICATION (READ THIS): That “0” on Equifax does NOT mean bad credit. It means the entire Equifax file is wiped clean — no active accounts reporting right now. Just needs to be updated on smart credit. If you have this problem call them and get it updated. Let them know your score is not reporting correctly. If you check equifax or credit karma you will see the report. 🧹 THE CLEANUP WAS HEAVY: - 28 deletions in this round - 13 collections/accounts removed - Ally Financial ($26K), Capital One, LVNV, Midland, Portfolio — ALL GONE 🗑️ ⚙️ WHY THIS MATTERS:With a clean Equifax file, we now get to rebuild it the RIGHT way: - Add controlled positive accounts - Keep utilization low (already down to 11%) - Let scores populate clean and strong This is how you avoid weak, fragile scores and build a profile banks respect.