12h • Money Moves 💰
This week's move…just action.
Step 1: Pull your actual reports.Go to AnnualCreditReport.com — not Credit Karma, that's not your real file — and pull all three: Equifax, Experian, TransUnion. Free. Download each one.
Step 2: Take a first look.Redact your SSN and full account numbers, then paste your account list into ChatGPT and ask:"Here's my credit report account list. In plain language, walk me through what each account is, and point out anything that looks unfamiliar, duplicated, or worth a second look.
This gives you a real first look at what's actually being reported. Pay attention to what comes back.
Step 3: Clean up your personal info FIRST — before you touch a single account.Go through the personal information section on each report and make sure your name is the same across all three bureaus, your date of birth is correct, your Social Security Number isn't showing where it shouldn't be, old cell numbers are gone, and your employer is removed completely (collectors use that to track you down for wage garnishment or a lawsuit — you don't have to have it listed).
Then pull the Personal Information Update Letter from Resources, fill it in, and mail it to all three bureaus.
Reply below once you've pulled your reports. Let's see this room move. 👑
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This week's move…just action.
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