Hi everyone! I’m Ray Jr./Rj for short. I joined this group having the idea and hoping to learn more about different financing strategies mainly. But also, just to gain more knowledge in general on multiple aspects, including credit building. I believe and hope i’m in the right direction considering im currently using monthly apps such as Kovo, Dolvy, and Kikoff but for only about 6 months so far. So, if anyone has any helpful suggestions or ideas that could help please don’t hesitate to share with me, as it will be greatly appreciated!!