FRIDAY CHECK-IN: Are You Playing Offense or Defense With Your Credit? 👀

Happy Friday, Family.

Before you log off for the weekend, let’s do a quick credit audit.

Drop a comment when done.

Here’s your 5-Minute Friday Credit Checklist:

✅ 1. What’s your utilization at right now?

Under 30% is good.Under 10% is elite.

If you’re over 30%, make a payment today - even a small one shifts momentum.

✅ 2. Any new inquiries this week?

If you didn’t plan them, that’s a red flag.

Remember: Random apps = random denials.

✅ 3. Did you check your personal info section?

Old addresses and name variations need to be cleaned up.

Messy profile = weaker disputes.

✅ 4. Are all cards reporting?

If something hasn’t reported in 45+ days, call and ask when it updates.

✅ 5. Did you make all payments BEFORE the due date?

Not on time. Before time.Banks reward low risk behavior.

🔥 Bonus Play:

If you’re planning to apply for funding in the next 30–60 days, now is the time to:

• Pay balances down

• Stop applying for anything unnecessary

• Avoid financing furniture, cars, or phones

• Keep cash flow clean in your bank accounts

Now check in below:

Let’s finish strong. Momentum compounds.

Better before bigger.

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