Tracking is essential. You need to know what you've done, what's pending, and what's working. WHAT TO TRACK: Credit Scores: - Check weekly (use free services like Credit Karma) - Record scores in a spreadsheet - Note what changed before score movements Disputes: - Date sent - Bureau/creditor sent to - Tracking number - Response deadline (30 days) - Outcome Letters Sent: - What type of letter - Who it was sent to - Date sent - Date response received - Result Account Changes: - New accounts opened - Accounts closed - Balance changes - Limit changes CELEBRATE WINS: When something gets removed: - Screenshot the before/after - Post in the community - Note what worked - Stay motivated Most disputes take 30-45 days. Some take multiple rounds. Stay patient and persistent. THE 90-DAY CHALLENGE: Commit to working the STCM method for 90 days: - Week 1-2: Foundation and analysis - Week 3-4: Personal info disputes out - Week 5-8: Collection and late payment disputes - Week 9-12: Follow up, escalate, build credit Results compound. Stick with it.

Welcome to STCM — System To Control Money. This is not motivation. This is not theory. This is a structured financial system designed to help you delete negatives, build leverage, and unlock capital — step by step. If you follow the system in order, it works. 🎯 WHAT STCM IS STCM is a compliance-based credit and funding system built on: • Federal credit law • Reporting accuracy rules • Risk modeling used by lenders • Strategic account behavior This system is designed to work for: • Individuals rebuilding or optimizing personal credit • Entrepreneurs preparing for business funding • Operators seeking long-term financial leverage 🚨 BEFORE YOU DO ANYTHING ELSE STCM is order-dependent. Do NOT: • Skip modules • Jump ahead • Ask advanced questions early • Compare your journey to others Credit outcomes depend on sequence, timing, and consistency. 🧱 YOUR CURRENT ACCESS (PHASE 1) You currently have access to Phase 1: Personal Credit Foundation. This phase focuses on: • Understanding how your credit score is actually calculated • Identifying which negatives matter most • Learning why late payments and collections behave differently • Preparing your profile for strategic deletions You are not fixing credit yet. You are learning the system first. 📚 HOW TO USE THIS COMMUNITY Use the community after watching the material. Categories: • Questions → Clarification only (after watching lessons) • Wins 🏆 → Approved deletions, score increases, funding • Funding → Capital, limits, approvals • News → Official STCM updates only Posts in the wrong category may be removed. 🧠 HOW RESULTS ACTUALLY HAPPEN Credit repair is not instant. It is procedural. You will experience: • Delays• Silence from bureaus • Back-and-forth responses This is normal. The system works because of process, not speed. 🔓 ABOUT UPGRADES (IMPORTANT) STCM is tiered by design. Phase 1 = Education + FoundationAdvanced phases include: • Late payment deletion strategies • Charge-off handling • Inquiry control systems