I just want to take a moment to acknowledge myself… because this journey hasn’t been easy, but I stayed committed 💯 In the past few weeks, I’ve taken control of my credit and my future. I paid my balances down, got my accounts in order, and made the decision to stop procrastinating and start executing. Today, I officially brought one of my credit cards from being over the limit down to almost nothing — and that was a BIG step for me. I’m currently working on cleaning up my credit, disputing negative accounts, and positioning myself for homeownership 🏡✨ I’m already approved, but now I’m focused on getting the BEST deal possible — lower rates, lower down payment, and building a strong financial foundation for me and my family. This is just the beginning. I’m proud of myself for staying disciplined, making sacrifices, and trusting the process. If you’re thinking about getting your credit together — DO IT. Start now. Stay consistent. It pays off. Next stop… HOMEOWNER 🔑🏡💰

Credit Up 50-150 points! Going Great this far!!! Thank You!!

1st Contact each credit bureau. Experian 1-855-411-6048 You will provide your social security number and then press 2, then one, then two, then three.(options are subject to change) but the goal is to ask to speak to the fraud department. Equifax 1-888-548-7878, request the fraud department. TransUnion 1-800-916-8800 press 0 to speak to a representative and ask the representative to transfer you to the fraud department Once you get someone on the line in the fraud department tell them that you noticed some unauthorized inquiries on your report. According to the Fair Credit Reporting Act, legally these unverified and unauthorized items must be removed. If they ask you about submitting a FTC / police report of these accounts, say you have already completed that step. If they ask you if you contacted the original creditors, again, say yes you have completed that step. They may place you on hold, just to do some data entry but don’t worry. When they come back they should say they will investigate and it may take up to 30 days to complete the investigation. However, the following business day, all of the inquiries you asked to get deleted should be deleted. Equifax may take longer, but no more than 48 hours. *This is an inquiry deletion hack. This does not mean every inquiry will be removed 100% of the time. If you encounter an issue or someone that doesn’t provide help then hang up and call back to get a different representative.

@Ciera Frazier Good morning Ms. Frazier, I just wanted to take a moment to personally thank you for everything you’ve been doing to help me improve my credit. I truly appreciate your hard work, communication, and the effort you’ve put into disputing and addressing all of my accounts. Seeing everything in progress has given me a lot of confidence and peace of mind, and I’m grateful to have someone like you guiding me through this process. I also want you to know that I am doing my part on my end by paying down balances and staying focused so I can reach my goal of homeownership. This means a lot to me and my family, and your help is truly making a difference. Thank you again for your dedication and support. I look forward to continuing this journey with you and seeing great results. Have a great morning!

Hello beautiful people, I feel like this is the only space I can share this and be understood. I am working as a massage therapist and it feels like I need to chase every single client and I'm struggling to make living. So I want to find a way to make money online, preferably passively, lol. Does anyone have any advice on where I can get started? Thank you!