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Owned by Ruben

Winners Circle

170 members • Free

Our members are leveling up from 𝟱𝟬𝟬 𝘁𝗼 𝟳𝟬𝟬+ 𝘀𝗰𝗼𝗿𝗲𝘀, start your journey today!

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Skoolers

181.3k members • Free

65 contributions to Winners Circle
Tradelines for the week
Bank of America Limit: 18k Age 5 years Closing: 12/19 Price $375 Bank of America Limit $24,500 Age 3 years Closing: 12/20 Price $450
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Question❓
Heres the context: Two of my credit cards from capital one were just closed this week. I haven’t received the letters yet, but when I called, they gave me minimal info. Apparently I didn't follow the client expectations of the contract. My question is, would it be smarter to apply for all the credit cards that I have high approval odds for.. and then repair my credit to get rid of the inquiries and start building? Or is it smarter to repair, apply afterwards, then wait for the inquiries to disappear?
Question❓
1 like • 2d
Since the accounts are closed we could remove the 2 capital one inquiries and then pre approve for a card that is known for giving higher limits and that you already qualify for
Maximize Your Tax Refund
we're going to be opening up our tax team to all team members this upcoming season! enter your contact information in the form below so we can reach out to you early January : https://9zb1cmzvm54.typeform.com/to/JcQhJhhk
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Your credit score is not your creditworthiness
A 720 score with thin credit = weak profile. A 680 score with 10+ years history, low utilization, and mix = strong profile. FOCUS on building your credit report
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Tomo Credit
tomocredit.com is a credit card that reports to all 3 credit bureaus and pulls your banking history for approval instead of your credit report
0 likes • 14d
@Jaleigha Thomas it reported for my student
1-10 of 65
Ruben Morillo
5
355points to level up
@ruben-morillo-1686
Credit Restoration Specialist

Active 58m ago
Joined Oct 10, 2025
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