My name is Anthony Floyd I am from Tampa, FL I joined the From Denied to Approved Academy because I want to get my credit repaired to satisfactory standings My #1 credit goal is build my credit to purchase a home and start a small business

GOOD MORNING Y’ALL ☀️💚 Alright y’all, we finna get back active in here! 😂 This week, we’re going to strictly talk about Kikoff — what it is, how to use it, and how to make sure you’re actually using it the RIGHT way. If you’re in your first 30 days of credit repair, this should be one of the FIRST steps you look at when building your credit back up. Remember: it’s not just about getting the negative items OFF. We also have to work on putting POSITIVE information ON. 📈 So this week I’m breaking Kikoff ALL the way down. If you already have Kikoff, comment “I GOT IT” 👇🏽 If you don’t have it yet, comment “I NEED IT” and stay tuned because we’re starting from STEP ONE! 💚

GOOD MORNING Y’ALL ☀️💚 Yesterday I told y’all that this week we’re talking strictly about Kikoff, so today let’s start with the basics: WHAT IS KIKOFF & WHY DO I RECOMMEND IT? Kikoff is a credit-building account that can help you add positive payment history to your credit profile while you’re working on removing negative items. I usually recommend the Ultimate Plan, which is currently $35/month. With this plan, Kikoff reports a $3,500 tradeline along with your payment history. And this is why I like it 👇🏽 You’re not only working on your credit — part of what you’re paying is also being saved. Once you’re finished with the account and close it, Kikoff says you can receive 90% of your eligible savings back, while 10% is kept as a processing fee. So imagine you keep your Kikoff for 6–12 months, make EVERY payment on time, get your credit where it needs to be, purchase your home, get your car, or secure the funding you were working toward. Once you no longer need the account, you can close it out and receive the eligible portion of your savings back. ⚠️ BUT LISTEN TO ME ON THIS PART! Kikoff is still a credit account. DO NOT GET THIS ACCOUNT IF YOU’RE NOT GOING TO PAY IT ON TIME. Your payment history matters, and a reported late payment can hurt the credit you’re working so hard to rebuild. If you ever get to the point where you know you can’t continue making the payments, contact Kikoff about your options BEFORE simply missing a payment. I recommend keeping a credit-building account open for at least 6 months, but preferably 12 months or longer when it makes sense for your overall credit profile. We’re trying to BUILD positive payment history, and that takes time. Remember what I told y’all yesterday: credit repair isn’t only about what we REMOVE. We have to put positive accounts back ON the credit profile too. 📈 Your assignment for today: go look at your credit profile. Do you currently have positive accounts reporting with ON-TIME payment history? If not, that’s exactly why we’re learning about Kikoff this week. 💚