Remove vs. Keep: The Credit Report Decision That Shapes Your Future Lesson Goal By the end of this lesson, you’ll be able to decide what should be disputed/removed and what should be protected/kept—without accidentally damaging your score or your financial profile. Big Idea (Core Concept) Most people think credit repair means “remove everything negative.”Others think “leave everything alone.” Both are wrong.The real strategy is: remove what doesn’t belong, keep what proves stability. This distinction alone can shape your entire financial future. What (What this lesson is about) This lesson teaches you the difference between: - Accounts that should be removed (because they’re inaccurate, unlawful, or harmful)vs. - Accounts that should not be removed (because they strengthen your credit profile) When (When to apply this) Use this framework: - Before disputing anything - Before paying collections/charge-offs - Before applying for funding (credit cards, auto, business funding, mortgage) - Any time your credit is being “repaired” - Whenever you’re tempted to do a “sweep dispute” (dispute everything) Where (Where this shows up) You’ll apply this inside your: - Credit reports (Experian, Equifax, TransUnion) - Credit monitoring apps - Dispute letters / online disputes - Lender decisions (approvals, limits, rates) - Business funding profiles and underwriting Why (Why it matters) Because your credit report is not just a score—it’s a financial resume. If you remove the wrong items, you can: - lower your score - shorten your credit age - reduce your approval odds - look “thin” or risky to lenders - lose leverage when you need it most This isn’t only about approvals.It’s about protecting your future self and controlling outcomes instead of reacting to problems. How (How to make the decision correctly) Step 1: Think like this Your credit file is a resume. You don’t erase your entire work history because of one bad job.

Study Guide: PayNet Score (PayNet MasterScore / Equifax MasterScore v2) What you’re learning By the end, you should be able to: - Define what a PayNet score is (and what it predicts) - Explain who uses it and why it matters for business funding - Know what’s inside a PayNet Credit History Report - List 5 actions that improve the score over time 1) What is a PayNet Score? PayNet is a business credit data system focused heavily on loans, leases, and lines of credit—especially in equipment finance and small-business lending. Equifax acquired PayNet in 2019, and PayNet became part of Equifax’s commercial business. (Equifax Inc.) The main score: PayNet MasterScore (often referenced as MasterScore v2) This score is designed to predict the likelihood a business will become 90+ days delinquent (default risk) on a credit obligation—typically framed as a 12-month risk window. (Credit Strong) 2) Score range and what “good” looks like You’ll see ranges discussed differently depending on the model/version and the report source, but a commonly cited range for PayNet MasterScore is: - 500–800 (higher = lower risk) (Credit Strong) - Many lenders interpret 700+ as “lower risk” territory. (Credit Strong) Study tip: Don’t memorize one “magic number.” Learn the direction: higher score → lower delinquency risk → better odds/terms. 3) Where the data comes from (why it’s different from D&B-style trade credit) PayNet is known for credit performance data tied to financing obligations (loans/leasing/lines), and Equifax describes PayNet’s value as commercial lending/leasing payment data used for credit risk underwriting and decisioning. (Equifax Inc.)

I say this one is the most underrated and best rent reporting app out of all of em. No landlord verification needed cause YOU will act as the landlord, no 🙅🏽 phone calls needed. Way more than 2 years of backdated history 🔥 1️⃣Download Credit sesame and enroll into Sesame+ to be able to report your rent 2️⃣Find a random house on Zillow or use your own or use a family members house , doesn’t matter. 3️⃣Create a new email for the name of the “Landlord” that for the property. (Make one up) 4️⃣Create a lease on formswift.com for the same address that you found and Landlord name should match the email you just created 💎💎On the lease MAKE SURE TO BACKDATE THE LEASE START DATE TO WHATEVER YOU WANT IT TO REPORT AS. I’m 26 so I backdated mine to 2016 so that 8 years backdated ! Just don’t backdate it too far back , anything before age 18 looks fishy on the profile. If your older than me I would say shoot for more years cause I don’t know what their max is 🤷🏽‍♂️ 5️⃣Once you have your the lease made, you’re going to upload it in the app and and fill out info for yourself and your “landlord”. 6️⃣It will ask you to sync your bank account , if you are currently paying rent every month you can use those payments when it tells you to select your payment for rent (whatever your rent is put that amount on your lease. If you don’t pay rent you can literally send money to someone you know or to a separate account that you own and select that as your rent payment . Their system does not know and will report it anyway and here’s why 👇🏽 7️⃣They are going to send an email to the “landlord” that you created an email for and ask “Did John Doe pay rent on time from x date to x date?” You are going to reply Yes and that’s it 🙌🏽🙌🏽🙌🏽 Backdated primary of several years . I like it better than rent reporters but doesn’t hurt to have both since they are both backdated 🤷🏽‍♂️ Pro - Primary Tradeline you can back date at least 8 years - Repors to Transunion & Equifax - Helps Increase average age of Credit Accounts - Credit Sesame + Will show all 3 of your Vantage Scores