A credit score is a risk tool lenders use to predict how likely you are to repay a loan. It affects approvals, limits, and interest rates but only if you’re tracking the right score. Many people monitor a score without knowing which model it comes from. Ask yourself: Are you seeing a FICO® score, a VantageScore, or a third-party consumer score lenders don’t use? Why this matters: 🔹 FICO® Scores are used by about 90% of lenders 🔹 VantageScore is widely shown for free but used by less than 10% of lenders If you’re optimizing the wrong score, your fundability won’t improve. No matter the model, always: ✅ Know which score you’re viewing ✅ Monitor your full credit file, not just the number ✅ Focus on heavily weighted factors especially on-time payments Fundability improves fastest when you work on the levers lenders actually measure.

📣Heads up! Before you send in any funding apps, there’s one massive mistake most people don’t even realize they’re making. It’s not your credit score. It’s not your income. It’s jumping in too early or without a plan. That kills your approval chances every time. 💬 Been there? Drop a comment. Think you know what it is? Share below.

If the same debt is listed twice even with different account numbers — it can double the negative impact. 📌 Dispute the duplicate, showing it’s the same account 📌 Request the removal of one listing 📌 Keep records in case it reappears

Your credit is the engine that drives every play you want to make. Cash flow feels good, but if you damage the engine, everything slows down. Stay disciplined, stay organized, and stay fundable. What to focus on today: ✅ Pay on time to protect your profile ✅ Track ROI so you know where your money is actually working ✅ Avoid overextending so your credit stays clean and fundable ✅ Treat your credit as an asset that creates freedom

Bad credit doesn’t define your character it only reflects a moment in time. What truly matters is the action you take next. The credit system is built in a way that keeps people stuck, confused, and overwhelmed… but once you understand how it really works, you can flip it in your favor. 📉 Bad credit is temporary. 📈 Skill, strategy, and financial mastery last forever. You’re not your score you’re your comeback.