ILBB2

@hxxntrr now can h do business credit with duns and whatever else steps 🦾

A 480 credit score and a 780 credit score are 90 days apart Not 7 years. 90 days The "it takes years to rebuild credit" advice is propaganda from banks who profit from every month you sit at a low score paying 24% interest Here's the actual timeline when you run it correctly: Day 1-3: Pull all 3 reports at annualcreditreport.com. List every negative. Collections. Charge-offs. Late payments. Wrong balances. Accounts that aren't yours. This is your hit list Day 4-7: Send dispute letters on EVERY negative item. Not the online portal. Certified mail. Return receipt The letter: "I dispute this account. Provide the method of verification used, the name and contact of the person who verified, and all documentation used in verification per FCRA Section 611" One letter per account. One to each bureau that's reporting it. If you have 12 negatives across 3 bureaus that's 36 letters Cost: $120 in postage. To potentially delete tens of thousands in debt Day 30: First massacre The bureaus have 30 days to verify or they MUST delete. The original creditors often don't respond in time because verifying one account for a bureau isn't worth their effort Average deletion rate on Round 1: 40-60% of items Day 31-35: Round 2 on everything that survived Different language this time: "Previous investigation was inadequate. Provide the original signed contract, complete payment history from origination, and proof of proper notification per FCRA Section 611(a)(7)" You're asking for MORE documentation. Different investigator reviews it. Different result Day 35-45: Add authorized user tradelines while disputes are running Find someone with a credit card open 10+ years. Perfect payment history. Low utilization. Get added as authorized user You don't need the physical card. Never need to use it. Their account history appears on your report within 2 weeks Average age of accounts jumps from 1 year to 6+ years overnight. Score jumps 50-100 points from this alone Day 60: Round 2 results hit Another 30-50% of remaining items deleted. Running total: 70-85% of negatives gone Day 60-75: Round 3 on the survivors. File CFPB complaints for every item that came back "verified" without proper documentation "Bureau failed to conduct reasonable investigation. Two previous disputes returned verified without providing method of verification. Requesting supervisory review" CFPB complaints go to a senior team. Not the overseas dispute farm. These people actually read your file Day 75-90: Utilization optimization Pay all card balances below 9% of the limit BEFORE statement closing date. Not after. Before $1,000 limit? Get the statement balance to $80. This alone is worth 30-50 points Day 90: New score 480 → 780 is the extreme end. Most people land somewhere in the 680-750 range in 90 days depending on what they started with But the jump is real. 180-250 point increases in 90 days are routine when you run all tracks simultaneously: disputes deleting negatives + tradelines adding history + utilization dropping to single digits "but won't the creditors re-report?" If it was deleted because the bureau couldn't verify, re-reporting without new information is a violation of FCRA Section 611(a)(5). $1,000 per violation plus attorney fees. Most creditors don't risk it The "7 years" rule is how long a negative CAN stay. Not how long it MUST stay. There's no law that says a collection has to sit on your report for 7 years. There's a law that says it CAN'T stay longer than 7 years Anything that can't be verified gets deleted immediately. Regardless of age Every month you spend "waiting" for your score to improve naturally is a month you're paying higher interest rates, higher insurance premiums, higher deposits, and getting denied for things you should be approved for The 90-day rebuild isn't a hack. It's just running the legal process the way it was designed to work. Fast. Aggressive. Simultaneously Banks would prefer you didn't know this (i fix credit in 30-90 days. this is literally what we do every week. link in bio)

DDG SWUARD YA GON LET THIS HAPPENED ?? 💀💀💀😭 squares

@Bellaafrorican1 @MoreKickHQ u say this but not seeing what the line is do u want ur daughter twerking on dick or winning in life and making u proud?

@MoreKickHQ He’s worse than anything she’s ever said or done.

DJ Akademiks says the “sl*t music” wave is fading because artists like Megan Thee Stallion aren’t being authentic & claims Sexyy Red is the only one still winning because she actually lives her raps 👀 “..we want reality I don’t care what facet..”

@CutnPaid check my recent rt

iShowSpeed reveals he earns $5M/month across all platforms, and gives a $100,000 monthly allowance to his Mother since she takes care of his 4 siblings alone 🥹❤️‍🩹 “$100K is enough even though she used to hate on me early in my career”

major leak: speed had a kid back in the day and his mothers is taking care of 1 of his children. (allegedly in my opinion.)

COUGH COUGH @2K @NBA2K you know what time it is

@1fine_sznn sybau

I want asparagus

i’m getting my bots ready (idel bots at that) shout out to @GreenyALT777 oh wait let me add allegedly in my opinion

GAMMMMEEEE NIGHT YALL WELCOME

@Benover6969lol @comgaming007 that we still better than than yo favorite streamers LOL

@88Redo @comgaming007 ain’t we still got that number what’s the point validation we’re still relevant PONK 😭😭😭💀💀💀💀

cuffem 50 / 50 stream tonight i think SSB IS BACK BOYS

we can talk all the shi n fun shit for fun but when outsiders do dat it’s a no go

the fact adin look out for us n randoms onna outside always hating #mustprotectadin

Drake could never.

@GH0STx000 gotcha 👨🏽‍🎨

speed got touched????? #intresting