Happy Monday Winners 🚀 Here’s a list of business grants for the month of October. Grants are freee money that you don’t need to repay.🔥 Goodluck

Here’s how to get started Step 1 : Head to the classroom tab near the top of your screen Step 2 : Watch the Welcome video Step 3 : Dive into any course module you’d like 🔥CREDIT HACKS : All hacks inside the how to fix your credit module

On July 28, 2025, TransUnion experienced a cybersecurity incident stemming from unauthorized access via a third-party application used in its U.S. consumer support operations. The breach was discovered two days later, on July 30. -What Data Was Exposed⁉️ - Approximately 4.4 to 4.5 million Americans were affected.       - The breach exposed highly sensitive information, including: Names, Dates of birth, Unredacted Social Security numbers, Billing addresses, Email addresses, Phone numbers, Reasons for customer transactions or communications (e.g., free credit report requests), and Customer support tickets and messages. - -What This Means for You⁉️ While your core credit data may not have been directly compromised, exposed personal identifiers—especially unredacted SSNs—carry elevated risk of identity theft, phishing, and fraud. It’s critical to be proactive in securing your identity. -What Has TransUnion Done in Response⁉️ - TransUnion is offering 24 months (two years) of free credit monitoring and identity theft protection services. -How to use this data breach in your current credit dispute process ⁉️ ✅Write a dispute letter, including the data breach reference. Attach a FTC report, ID, SS card, and proof of address. Submit to Transunion AND the CFPB. (Dispute lette Make it your own.) (If you choose to use a affidavit letter, it MUST be notarized. You can find a local nearby notary OR get it notarized online with a live notary. use notarylive.com. Have your physical ID handy.)

I had a few of you guys looking for another method to try for your student loans. You guys can try this method which has been working lately. Many student loan service providers were involved in a FERPA violation recently. You can possibly use this to help you try to remove your student loan to give it a try.

Have issues opening up bank accounts or certain banking / account issues ? You are probably flagged inside of Chex systems! Here’s a dispute method Are you having trouble opening up a personal or business checking account due to bad banking relationships? Here's your chance to hit the reset button 🔥 I've attached an editable letter to have those accounts removed from ChexSystem. Also don't forget to opt out of ChexSystem reporting: https://www.chexsystems.com/optout. PS: Go to https://www.chexsystems.com/ to request your consumer disclosure report (review the Report For section) to help you understand what led to this decision. It may take up to days to receive a copy of your report.