07/08/2024
Secret 1. There are NO collection/No charge offs.
💢If you have any negative item on your credit report, you need to have them removed ASAP. This is a HUGE impact to your score (something y'all obviously know).
You need professional or a professional credit sweep, If you can't do it yourself.
Secret 2. You should have at least 4 or more tradelines on their credit report.
💢4 is the minimum; you should have 4 or more open accounts on your credit at all times. If you don't have many tradelines, you should purchase authorized user tradelines. Tradelines, authorized users or piggy backing is the same thing. The more accounts, the more solid your credit report will be.
Secret 3. You should have an Aged Tradeline at least 2 years or older.
💢Older aged tradelines and higher credit limits correlate to bigger credit score increases. So closing old accounts will decrease your account age. Leave accounts open, AND use them few times a year so the bank does not close them due to inactivity. Afterall, you must have credit, in order to have a credit score.
Secret 4. You should have debt utilization under 10%
💢On your credit monitoring site, go to the credit factors' section. It will tell you exactly what your utilization is. If your debt over 30% utilization, your score is automatically dinged. This should be as low as possible.
Secret 5. Low hard inquires
💢You should keep credit inquiries to a minimum, usually under 4 on each credit bureau. Once you go over 4, your score takes a hit and you could get denied for credit just for having too many hard inquires.
Drop an "INFO" comment to get more info and join my repair program and start getting the Credit You Deserve‼️💳🏠🔑
