Real talk: banks do not reward creativity.They reward predictability. If your credit activity looks random — approvals get harder even with a “good” score. Here’s what boring (aka APPROVAL-FRIENDLY) behavior looks like: - Using the same cards consistently - Similar spending amounts month to month - Payments made before statements close - No sudden balance spikes - No long gaps with zero activity From a lender’s POV, this screams: “This person manages money. Low risk.” From a wild profile’s POV: “This person might panic-spend and disappear.” ⭐ Today’s Action Step Ask yourself:Does my last 3 months look boring or chaotic? Comment “BORING” or “CHAOTIC” below —I’ll tell you what lenders see and what to clean up first. 📞 Want a pro to review your credit profile with you? Book a free consultation and we’ll map out exactly how to strengthen your profile for approvals and funding. 👉 https://calendly.com/zachsodano/credit-consultation-call

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

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

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

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 🔥🔥🔥