Zs Credit Community

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Nov 11 •

📢 Welcome to the EasyFlow Credit Community

I want to officially welcome you to the EasyFlow Credit Community — a private space dedicated to helping you understand, repair, and build both personal and business credit the right way. This community was created to provide clarity, structure, and support for anyone looking to improve their credit profile, gain access to funding, and ultimately create more financial freedom. Here’s what you can expect inside: - Education: Step-by-step lessons on how credit works, how to properly build it, and how to position yourself for business funding. - Resources: Pre-made templates, lender lists, dispute letters, and monitoring tools. - Weekly Discussions: Credit tips, industry updates, and live Q&A sessions to help you stay on track. - Networking: Connect with other members who are also focused on improving their credit and building long-term financial stability. Our mission is simple: to give you the tools and guidance to take full control of your credit and use it as a foundation for generational wealth. ✅ Getting Started 1. Visit the General Discussion Channel and introduce yourself. 2. Engage, ask questions, and apply what you learn — consistency is everything. I’m glad you’re here. Let’s make this the beginning of a new chapter in your financial journey. Free One Time Credit Consultation call - https://calendly.com/zachsodano/credit-consultation-call — Zach Sodano Founder | EasyFlow Solutions

Zach Sodano

20h •

General discussion

💡 Daily Credit Tip: “The 3-Month Activity Test Banks Quietly Use.”

Most people focus on their score, but lenders look at something way more real: 👉 What you’ve done on your accounts in the last 90 days. If your recent activity shows: - multiple new cards - big balance swings - missed payments - no payments at all - or sudden high spending …it sends banks a signal that your financial behavior is unstable. Here’s the part nobody talks about: ⭐ Banks care more about the last 90 days than the last 5 years. Your long-term history matters,but your recent behavior decides approvals. If your last 90 days look clean and consistent?Funding gets easier.Limits get higher.Approvals feel smoother. ⭐ Today’s Action Step Comment: “Check my 90-day activity.” I’ll tell you exactly what lenders will like or dislike about your recent patterns — and how to tighten it up fast. 📞 Want a full call to map out your credit strategy? We’ll break down your profile and show you how to optimize it the right way. 👉 https://calendly.com/zachsodano/credit-consultation-call

Zach Sodano

2d •

General discussion

💡 Credit Tip of the Day: “The 2-Year Rule Lenders Never Tell You About.”

Most people focus on their score, but banks secretly look at something way more important: 👉 How many NEW accounts you’ve opened in the last 24 months. Why it matters:Every time you open a new card, it goes into your “recent accounts” bucket — and lenders HATE seeing too many new accounts in a short period. This is why people with: - a 720 score - good payment history - low utilization…STILL get denied. The bank isn’t mad at your score.They’re mad you look “new” and unpredictable. The cheat code: If you’re planning a funding run?Stop opening random cards 6 months beforehand.Let your profile season.Seasoned accounts = approvals. ⭐ Today’s Action Step Comment: “How many new accounts I opened.”I’ll tell you if your profile looks seasoned or if lenders see you as “too fresh.” 📞 Want us to help you build a clean funding-ready profile? Book a free consultation — we’ll map out your exact next moves. 👉 https://calendly.com/zachsodano/credit-consultation-call

New comment 2d ago

Zach Sodano

3d •

General discussion

💡 Daily Credit Tip: “The Hidden Credit Killer: Closed Accounts Still Reporting Wrong.”

Here’s a sneaky one almost nobody catches: 👉 Closed accounts can STILL hurt you if the status is reported incorrectly. Even if you paid the card off…Even if the account is settled…Even if you haven’t used it in years… If the lender reports it as: - “Closed by credit grantor” - “Past due before closing” - Or worse — WITH A BALANCE…it drags your score AND your approval odds down. The fix? Check the “Account Status” section.You want it to say: ✅ Closed — Paid As Agreedor✅ Closed — $0 Balance Anything else is costing you points AND credibility with lenders. ⭐ Today’s Action Step Comment: “Check my closed accounts.” I’ll tell you exactly which statuses are fine, which ones are red flags, and what to fix first. 📞 Want us to go through your entire credit profile together? Book a free consultation — we’ll identify every issue and build your custom roadmap. 👉 https://calendly.com/zachsodano/credit-consultation-call

Eduardo Molina

4d •

General discussion

Yo Z

Hey fam, deff looking forward to your group, you the goat fam. Getting your formula down from your amazon mentorship and going to get ready to scale soon with your credit sauce 🔥🔥🔥

New comment 3d ago

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Zs Credit Community

skool.com/zs-credit-community-6081

Welcome to the EasyFlow Credit Community

💸 Learn how to:

✅ Fix your credit & delete charge-offs

💳 Get high-limit personal & biz credit cards

Leaderboard (30-day)

Travis and Alejandra Overstreet