Got late payments dragging your Equifax score down? Here’s a step-by-step method to challenge them directly inside the Kikoff app 📝 Step 1: Set Up Kikoff - Download the Kikoff app - Create your account - Tap on Credit Report Step 2: Get To Equifax Report - Make sure you’re viewing the Equifax credit report inside the app - Scroll until you see “Dispute” - Tap New Step 3: Spot Negative Items - If late payments show up, you’ll see “Dispute Errors” or “Dispute More Errors” - Tap it to start the process Step 4: Select Late Payments - Pick up to 5 late payments at a time - Then confirm with “5/5 selected” Step 5: Choose Your Dispute Reason - Select: “Received COVID-19 pandemic accommodation from lender.” - (This is a common and accepted reason for removal requests) Step 6: Generate & Submit Letters - Tap Next → Generate Letters - Kikoff will handle sending them out - ⏱️ Timeline: usually 45–60 days for a response ✅ That’s it—you’ve officially disputed late payments through Kikoff. 🔥 When you finish, comment DONE—let’s see how many people get their negatives wiped clean.

🔹 Step 1: Pull the Reports - Request your free reports directly from ChexSystems & Early Warning Services (EWS). - These reports list the banks/credit unions that flagged you. - ⏱️ Expect about 5 business days by mail or 1–2 days online. 💡 Why it matters: You can’t fix what you don’t see. 🔹 Step 2: Review Everything Carefully - Look for accounts marked “closed for cause,” overdrafts, unpaid balances, or fraud alerts. - ✅ Target inaccuracies, debts older than 5 years, or anything that looks off. 🎯 Goal: Identify disputes + make a game plan to resolve unpaid balances. 🔹 Step 3: Dispute Bad Info - File disputes directly with ChexSystems & EWS. - Include: - Attach supporting documents (proof of identity, receipts, etc). 💡 Want templates? (I can drop pre-written dispute letters.) 🔹 Step 4: Negotiate & Settle Balances - Contact the reporting banks directly. - Ask for: - Pro Tip: Always get everything in writing before sending money. 🔹 Step 5: Send Proof & Request Reinvestigation - After payment, forward receipts or settlement letters to ChexSystems/EWS. - Request them to update and recheck the record. 🔹 Step 6: Follow Up (30-Day Rule) - Both ChexSystems & EWS must respond within 30 days. - ✅ If entries are removed—you’re clear. - ❌ If not—you’ve got another move (Step 7). 🔹 Step 7: Apply Pressure if Needed - File complaints with: - This adds heat to banks + reporting agencies to fix errors fast. 🔹 Step 8: Rebuild With a Second-Chance Account - While you’re clearing records, open a second-chance bank account with: - This builds fresh positive banking history while you’re wiping the old. ✅ Result: Once you complete this process, you’re back in the financial system—able to open accounts, get business banking, and start fresh.

f you’re serious about building your personal credit fast, here’s a proven strategy that stacks up primary trade lines like cheat codes: 🔥 Top 5 Primary Accounts That Report To The Bureaus: 1. Credit Strong – Reports to all 3 (Equifax, Experian, TransUnion) 2. Kovo – Reports to all 3 3. Meet Ava – Reports to all 3 4. Loqbox – Reports to all 3 5. Kikoff – Reports to Equifax & Experian 💡 Each one reports a $2,500 credit line for just $20/month. That means if you grab all 5, you’re paying $100/month to have $10,000 in trade lines reporting every month. That kind of positive activity = a supercharged credit score boost 😎💥. 🚨 Bonus Play: The CarMax Trick 🚨Here’s where it gets wild: ✅ CarMax lets you return a vehicle within 30 days or 1,500 miles. ✅ Keep it 28–30 days, then return it. ✅ It now reports as a paid-off car loan on your credit report. Translation? You just added major installment credit history to your profile without being locked into a loan. 🏎️💨 ⚡️Stack these moves together and you’ll transform your credit report into a powerhouse. This is how you game the system the smart way.

Want access to most credit unions nationwide without worrying about their membership hoops? Here’s the inside play: 👉 Step 1: Join the American Consumer Council (ACC) 🙌🏼This membership gives you automatic eligibility with dozens of credit unions—no need to stress over special affiliations or local requirements. 👉 Step 2: Skip the $15 annual fee 💸Use this exclusive Promo Code: ANDREWS at checkout and your membership is FREE. 👉 Step 3: Get Your Golden Ticket 🎟️When you’re done, you’ll instantly receive your membership certificate with:🏆 The American Consumer Council proudly listed on it. This certificate = your passkey to credit unions that usually require “select group” or “association” memberships. Translation: you just bypassed the gatekeepers. 💡 Pro Tip: Once approved, drop your certificate below so others know the hack works 🔥 🔗 Enroll Here ➡️ americanconsumercouncil.org