The A3 Company

Inquiries make up 10% of your FICO score 👀

Let’s break it down in plain terms 📊
An inquiry is simply a record of someone pulling your credit 🗂️

There are two types 👇

🔹 Soft Inquiries — do NOT affect your score. Pre-approvals, background checks, checking your own credit ✅

🔹 Hard Inquiries — DO affect your score. These happen when you apply for credit — cards, loans, financing, etc 📉

Hard inquiries stay on your report for 2 years but only impact your score for 12 months ⏳

Here’s how to keep this section from working against you 👇

✔️ Don’t apply for credit you don’t need 🚫
✔️ Don’t let multiple lenders pull your credit without a clear purpose 🙅
✔️ If you’re rate shopping for a mortgage or auto loan — do it within a short window so multiple pulls count as ONE inquiry 🏠🚗
✔️ Monitor your report regularly so unauthorized inquiries aren’t sitting there unnoticed 👁️

And if you have inquiries that shouldn’t be there — they can be disputed 📝

Our DIY Full Challenge System includes inquiry dispute templates that show you exactly how to use the letter AND what violations can be used to have them deleted 💪🏽🎯

🔗 www.thea3company.net/products/diy-full-challenge-system

Every unnecessary inquiry is a ding you didn’t need 😤 Be intentional about who pulls your credit and when 🎯

📲 (616) 404-5676 | (678) 626-8516
🕘 Mon–Fri 9AM–6PM EST
🌐 www.thea3company.net
📧 [email protected]

Let’s break down credit age and why it matters for your score 📊

Credit age makes up 15% of your FICO score and it measures two things 👇

1️⃣ The age of your OLDEST account
2️⃣ The AVERAGE age of ALL your accounts combined

The longer your accounts stay open the more they work in your favor 💳

This is why keeping old accounts open — even ones you rarely use — is a smart move 🧠

Here’s a tip we give our clients 👇
If you have a high balance on a card… pay it down 📉

But once it’s paid down DO NOT go back to overspending on it 🚫

Instead — set a small recurring subscription on that card 📱 Think Netflix, Spotify, something small and manageable

Then put the card away 🗂️
This does three things ✅

✔️ Keeps the account open and active
✔️ Shows responsible usage to the bureaus
✔️ Protects your credit age over time

Low balance. On time payments. Account stays open. Your score reflects it. 📈

That’s how you make credit age work FOR you 🎯

📲 (616) 404-5676 | (678) 626-8516
🕘 Mon–Fri 9AM–6PM EST
🌐 www.thea3company.net
📧 [email protected]

No credit card in your name = no revolving history = your score isn’t moving 🚫📉

A lot of people think avoiding credit cards is the safe move… it’s not 😤

You NEED a card in your name working FOR you 💳

I created an ebook that tells you exactly which cards to apply for based on YOUR score and profile — so you’re not out here getting denied back to back 🙅🏽‍♀️

And as you use it right, your limits grow and you level up to better cards 📈

That’s the whole point 🎯

🔗 Grab it here → www.thea3company.net/products/unlocking-your-credit-card-power

📲 (616) 404-5676 | (678) 626-8516
🕘 Mon–Fri 9AM–6PM EST

Are you actually getting the most out of your credit cards? 👀💳

Most people are out here swiping with no strategy and leaving serious money and rewards on the table 😤💸

We put together something that changes that 👇🏾

Introducing — Unlocking Your Credit Card Power 📖🔑✨

This ebook was built to meet you exactly where your credit profile is RIGHT NOW and show you how to leverage what you have to get more 💪🏾📈

Here’s what this guide is going to do for you 👇🏾

💳 Show you which credit cards make sense for YOUR profile
🎁 Help you tap into exclusive rewards that actually put money back in your pocket
📊 Teach you how to stack credit the right way so every card is working FOR you
🏆 Put you back in the driver’s seat of your own financial power

This is not just about having credit cards 🚫 This is about knowing how to USE them like the financial tool they are supposed to be 🔥💎

Whether you’re just getting started or already have cards and want to maximize them — this guide was written for you 🙌🏾

Don’t sit on this one 👇🏾🔗

📲 https://www.thea3company.net/products/unlocking-your-credit-card-power

Credit Utilization is responsible for 30% of your FICO score and it’s one of the fastest things you can change to see results 📈💳

Here’s exactly how it works 👇🏾

Every month your credit card balances are being reported to the bureaus 🗓️ The higher those balances sit relative to your limit the more damage it’s doing to your score 📉🚨

The sweet spot is staying BELOW 30% of your total credit limit at all times 📌

Rebuilding your credit? Drop that number down to 10% or less 🔑✅

Let’s put real numbers to it 👇🏾

💳 $200 Limit — Max balance $60 | Rebuilding: $20
💳 $500 Limit — Max balance $150 | Rebuilding: $50
💳 $1,000 Limit — Max balance $300 | Rebuilding: $100

Here’s what most people don’t realize 😬👀

You can have zero late payments, zero collections, and STILL be losing points every single month because your balances are too high 🥴📉

The bureaus treat high utilization as a red flag. It signals risk. And lenders pay attention to that. 🏦⚠️

The fix is straightforward — bring those balances down and keep them there 💪🏾🔥

Save this post and share it with someone who needs to see it 📲🙌🏾

⚖️ 𝐂𝐎𝐍𝐒𝐔𝐌𝐄𝐑 𝐋𝐀𝐖𝐒 𝐏𝐑𝐎𝐓𝐄𝐂𝐓 𝐘𝐎𝐔

🛡️ Know Your Rights, Protect Your Credit

Understanding consumer protection laws can help you challenge unfair credit reporting practices and take control of your financial future.

✅ Know Your Rights
✅ Challenge Credit Report Errors
✅ Stop Unfair Reporting Practices
✅ Protect Your Financial Future

📈 Empower yourself with the knowledge you need to make informed financial decisions.

📞 Schedule a Consultation Today
📱 +1 616-404-5676
🌐 www.thea3company.net

🔴 The A3 Company – Credit Repair You Can Trust

35% of your credit score is riding on ONE thing — whether or not you pay on time 📅💳

And here’s the part that catches people off guard 👇🏾

The bureaus are looking at the last 24 months of your payment activity to calculate this section of your score 🗓️👀

That means every late payment sitting inside that 2 year window is actively working against you RIGHT NOW 📉🚨

We’re talking 50-100 point drops per late payment 😤 That’s not a small deal. That’s your mortgage approval. Your car note. Your apartment application. All of it. 🏠🚗💥

Here’s where to start fixing it 👇🏾

✅ Bring any past due accounts current immediately
✅ Automate your payments so due dates never sneak up on you
✅ Check what’s actually reporting and make sure it’s accurate

Your credit profile cannot move forward while negative payment history is still stacking up 🛑

Two years goes fast. Start now so future you ain’t dealing with the same damage. ⏳🙌🏾

Drop your questions below — we’re here for it 💬🔥

Your credit problems got a solution and it’s RIGHT HERE 👇🏾💥

Introducing our DIY Full Challenge System 📂✨

This is not just a bunch of letters thrown together. This is a full system that teaches you exactly how to move 🎯🔥

Here’s what’s inside 👀

📚 A full breakdown of how credit actually works
🚨 Common violations to look for on your report that most people completely miss
📝 10+ letter templates with step by step instructions on when and how to send each one

Beginner? We got you. 🙌🏾
Already know your way around a credit report? This system will still level you up. 💪🏾👑

Stop guessing. Stop waiting. Stop letting the same accounts sit on your report doing damage. 😤📉

We built this so you could move with confidence and actually see results. 💎🔑

Grab your system right now 👇🏾🔗

🌐 https://www.thea3company.net/products/diy-full-challenge-system

Do you actually know what’s building — or breaking — your credit score? 👀🔥

Most people are out here guessing. Let us break it down real quick 📊⬇️

📌 35% — Payment History
Late payments are NOT playing with you. One missed payment = up to 100 point drop. Open accounts, closed accounts — all of it counts. Stay on time. 🕐💔

📌 30% — Credit Utilization
Your credit cards are worth 30% of your score. Maxed out cards are silently wrecking your profile every single month. 😬💳

📌 15% — Credit Age
Every time you close an account or open a new one, your average age changes. Slow down before you make moves that cost you points. ⏳

📌 10% — Inquiries
Hard pulls ding your score 1-5 points and hang around for 2 years. They stop affecting your score after 12 months though. Soft pulls? Totally fine. ✅

📌 10% — Credit Mix
Lenders want to see that you can handle different types of credit. Cards, short term loans, long term loans — variety builds trust with lenders. 🏦

Knowledge is the first step to a better score 💡🙌🏾

Save this. Share it. Put it to use. 📲

Hey! We made something specifically for YOU 👇🏾👑

We dropped a FREE ebook on the website and it was built with YOU in mind 📖✨

No money needed. No excuses. Just download it and put it to work. 💪🏾🔥

This is your starting point. Your roadmap. Your first move toward a credit profile that actually opens doors for you. 🚪💳

Here’s what we want you to remember 👀

There is NO credit problem that cannot be fixed. None. 🙅🏾‍♀️💥

You just need the right strategy — and that’s exactly what we’re here for. 🫶🏾

It’s time you trust your credit to change your life. 🙌🏾💎

Download your free ebook right now 👇🏾🔗

🌐 https://www.thea3company.net/products/unlocking-approval