Most people focus on their score, but lenders look at something way more real: 👉 What you’ve done on your accounts in the last 90 days. If your recent activity shows: - multiple new cards - big balance swings - missed payments - no payments at all - or sudden high spending …it sends banks a signal that your financial behavior is unstable. Here’s the part nobody talks about: ⭐ Banks care more about the last 90 days than the last 5 years. Your long-term history matters,but your recent behavior decides approvals. If your last 90 days look clean and consistent?Funding gets easier.Limits get higher.Approvals feel smoother. ⭐ Today’s Action Step Comment: “Check my 90-day activity.” I’ll tell you exactly what lenders will like or dislike about your recent patterns — and how to tighten it up fast. 📞 Want a full call to map out your credit strategy? We’ll break down your profile and show you how to optimize it the right way. 👉 https://calendly.com/zachsodano/credit-consultation-call

Most people focus on their score, but banks secretly look at something way more important: 👉 How many NEW accounts you’ve opened in the last 24 months. Why it matters:Every time you open a new card, it goes into your “recent accounts” bucket — and lenders HATE seeing too many new accounts in a short period. This is why people with: - a 720 score - good payment history - low utilization…STILL get denied. The bank isn’t mad at your score.They’re mad you look “new” and unpredictable. The cheat code: If you’re planning a funding run?Stop opening random cards 6 months beforehand.Let your profile season.Seasoned accounts = approvals. ⭐ Today’s Action Step Comment: “How many new accounts I opened.”I’ll tell you if your profile looks seasoned or if lenders see you as “too fresh.” 📞 Want us to help you build a clean funding-ready profile? Book a free consultation — we’ll map out your exact next moves. 👉 https://calendly.com/zachsodano/credit-consultation-call

Here’s a sneaky one almost nobody catches: 👉 Closed accounts can STILL hurt you if the status is reported incorrectly. Even if you paid the card off…Even if the account is settled…Even if you haven’t used it in years… If the lender reports it as: - “Closed by credit grantor” - “Past due before closing” - Or worse — WITH A BALANCE…it drags your score AND your approval odds down. The fix? Check the “Account Status” section.You want it to say: ✅ Closed — Paid As Agreedor✅ Closed — $0 Balance Anything else is costing you points AND credibility with lenders. ⭐ Today’s Action Step Comment: “Check my closed accounts.” I’ll tell you exactly which statuses are fine, which ones are red flags, and what to fix first. 📞 Want us to go through your entire credit profile together? Book a free consultation — we’ll identify every issue and build your custom roadmap. 👉 https://calendly.com/zachsodano/credit-consultation-call

Hey fam, deff looking forward to your group, you the goat fam. Getting your formula down from your amazon mentorship and going to get ready to scale soon with your credit sauce 🔥🔥🔥

Most people have a score obsession but a profile disaster. Here’s the truth nobody likes to admit… Your score is just the result. Your profile is the engine behind it. And if your profile is messy, inconsistent, or signaling “high risk,” your score will ALWAYS underperform — no matter how many bills you pay on time. Let me break it down: 🚫 You can have: - 3 active cards - perfect payment history - a “decent” score…and STILL get denied. Why? Because lenders care about: - total limits - utilization structure - age of accounts - account mix - derogatories - your identity data being clean - your stability over time Your score is just the cover photo. Your profile is the entire book. ⭐ Today’s Action Step Drop this in the comments: “I want my profile reviewed.” I’ll look at: - how your profile is structured - what’s holding you back - and which areas are effecting your approval odds the most Simple, quick, and insanely helpful. 📞 Want a full roadmap to fix your credit and position yourself for approvals? Book a call with me and my team.We’ll walk you through EXACTLY what your profile needs and how we can help you clean it up the right way. 👉 Book your consultation here: https://calendly.com/zachsodano/credit-consultation-call