Let’s talk about disputing your personal credit the SMART way. If you are trying to increase your score this year, don’t just dispute randomly. Be strategic. Here are 5 tips to dispute your personal credit with success: ✅ 1. Review ALL 3 Credit Reports Pull your reports from Experian, Equifax, and TransUnion. The error might only show on one bureau. Dispute directly with the bureau reporting the issue. ✅ 2. Dispute Inaccuracies, Not Truth Late payments that are accurate usually stay. Focus on incorrect balances, wrong dates, duplicate accounts, paid collections still reporting unpaid, or accounts that are not yours. ✅ 3. Attack High Utilization First If your credit cards are over 30 percent usage, pay them down before disputing anything. Lower utilization can boost your score quickly, sometimes within 30 days. ✅ 4. Use Supporting Documents If you paid something off, settled an account, or closed it, attach proof. Statements, payment confirmations, letters. Documentation increases your chances of deletion or correction. ✅ 5. Follow Up in 30 Days Bureaus have 30 days to investigate. If they fail to verify properly or do not respond, you can request removal. Now let’s talk quick BOOST hacks 👇🏽 🔥 3 Dispute Hacks That Can Increase Your Score Fast 1. Request a Credit Limit IncreaseIf approved and your balance stays the same, your utilization drops instantly. 2. Become an Authorized UserGet added to a seasoned account with low balance and perfect history. This can raise your score quickly. 3. Pay Down Cards Before Statement DateNot the due date. The statement date. That is what gets reported. Drop a 💳 if you are working on your credit this month. Comment “CREDIT READY” if you want more detailed training inside the group. Let’s build strong personal credit so funding becomes easier. 💚

Okay I’m going to be transparent… One thing that UNNERVES me? When I tell someone something. I show them. I explain it. We talk about it. And then weeks later… they act like it is brand new information. Prime example my BOO BEAR! Yo!!!!!! He does NOT listen😡😡😡 Sir. We had a meeting LIKE 5 times! Are you trying to be smart. 😩😂 It makes me want to replay the whole conversation with receipts. No shade. Just honesty. Now I’m curious… What is something that instantly sends you? The thing that makes you take a deep breath before you respond? Drop it below. Let’s laugh a little today.