Mishon

@hxxntrr Delete

"pay a credit repair company $2,000 to fix your score" no mf i deleted $30k in collections for $0 in 90 days while you're paying scammers to mail the same 3 letters debt collectors bought your $10k balance for $300 and are betting you don't know fdcpa laws same system 1,400+ people used to flip collections into fdcpa violations and force deletions one guy had $70k in medical debt - all removed without paying a single collector credit repair companies designed their scam for scared people - they just didn't expect us to reverse-engineer debt validation better than their paralegals follow, like & comment "DELETE" and i'll send the legal playbook that makes collectors delete YOUR debt or you sue THEM

@hxxntrr REPAIR

Your credit score is 480 and you think you're fucked I fixed 312 people's credit this year Average increase: 180 points in 90 days Fastest: 520 to 740 in 67 days Here's the EXACT system to delete your past and build your future: First, understand what credit bureaus don't want you to know: They're REQUIRED to delete anything they can't verify in 30 days They're TERRIBLE at keeping records They're HOPING you don't know your rights You're about to destroy them legally Step 1: The Nuclear Audit (Day 1-3) Go to annualcreditreport.com Pull all 3 reports (free) Screenshot EVERYTHING Now find the bodies: - Every late payment - Every collection - Every charge-off - Every inquiry This is your hit list Step 2: The Validation Massacre (Day 4-7) For EVERY negative item, send this letter: "I dispute this account. Please validate: - Original signed contract - Payment history ledger - Proof of assignment (if collection) - License to collect in my state" Send via certified mail to: - Experian - Equifax - TransUnion - The creditor 70% can't validate = DELETED Step 3: The Goodwill Genocide (Day 8-14) For legit late payments, send this: "I've been a customer for X years. Due to [COVID/medical/job loss], I had temporary hardship. Please remove as goodwill gesture." Success rate: 40-60% Try 3 times with different reps Step 4: The Pay-for-Delete Play (Day 15-30) For collections under $1,000: "I'll pay 100% today if you: 1. Delete from all bureaus 2. Send deletion letter 3. Confirm in writing" Get it in writing FIRST Pay only after agreement 60% will take this deal Step 5: The Authorized User Hack (Day 31-45) Find someone with: - 750+ credit score - Old accounts (10+ years) - Low utilization (<10%) Get added as authorized user Their perfect history becomes yours Score jumps 50-100 points instantly Where to find them: - Family members - Tradeline companies ($150-500) - Friends with good credit Step 6: The Rapid Rebuild (Day 46-60) Get these NOW: - Secured card ($200 deposit) - Credit builder loan ($500) - Become authorized user (2-3 accounts) - Self Lender account All report monthly All build positive history Score climbs 10-20 points/month Step 7: The Utilization Manipulation (Day 61-75) Here's the hack: Pay your cards BEFORE statement closes Show 1% utilization (not 0%) Score jumps 30-50 points Example: $1,000 limit card Spend $500 Pay $490 before statement Statement shows $10 balance Perfect utilization Step 8: The Inquiry Removal (Day 76-90) Hard inquiries killing you? Send this to each bureau: "I don't recognize this inquiry. I never authorized this. Please remove immediately." 30% get removed Worth 5-10 points each The Deleted Items List: Using this system, I've deleted: - Medical collections (95% success) - Cell phone collections (80% success) - Utility collections (75% success) - Credit card charge-offs (60% success) - Student loan defaults (40% success) - Repo's (35% success) - Bankruptcies over 7 years (100% success) Your creditors are praying you stay ignorant The 609 Letter Loophole: Section 609 of FCRA requires proof They usually don't have it Send this: "Per Section 609, provide: - Original signed application - Statements showing charges - Proof debt is mine - Your license to report" No proof = DELETION Real Transformations: Single mom: 478 → 721 in 84 days Got apartment, car loan, business credit Uber driver: 502 → 748 in 91 days Bought house, started Amazon business Felon: 461 → 695 in 78 days Got job, credit cards, rebuilt life They followed this exact system You can too The Credit Score Hack Menu: Each is worth points: - Remove 1 collection: +40-80 points - Remove late payments: +20-30 each - Add aged tradeline: +50-100 points - Fix utilization: +30-50 points - Remove inquiries: +5-10 each Stack them all = 200+ point increase The Maintenance Mode: After you hit 700+: - Keep utilization at 1-9% - Never miss payments (autopay) - Add new credit quarterly - Keep old cards open - Mix credit types 750+ score for life The Business Credit Unlock: Once you hit 680 personal: - Get EIN (free, 5 minutes) - Open business checking - Get business cards - Build second credit profile Now you have TWO credit profiles Double the funding power Your Timeline: Week 1: Dispute everything Week 2: Goodwill letters Week 3: Pay-for-delete negotiations Week 4: Add tradelines Week 5-8: Secured cards + rebuilding Week 9-12: Watch score skyrocket 12 weeks to freedom Want my exact templates? - All dispute letters - Goodwill templates - Pay-for-delete scripts - Bureau addresses - Step-by-step guide DM "REPAIR" for everything (must be following) Bad credit isn't a life sentence It's a 90-day problem with a systematic solution Your past doesn't determine your future Your next 90 days do Time to delete your past ✨

if u able to make ur own beats and mix and master ur own songs, man your too cool

My song for the past few months has been @Mishon - Look at you 🔥

Look at you x @Mishon 😩🔥

@kirawontmiss @grok who is this

what y’all think she’s doing right now

@Jerra4Real Feels good to be back

@Mishon welcome back btw

@ItsTookamama Since twitter missed this 😎

@Mishon Boy if you don’t sing a cover to Chris brown residuals

What rnb music we fu**n to right now? 👀 I’m tryna see sum..

@dangerouslykea 😎 I think I got one

The chokehold @Mishon and Look At You got on me 😩😩 March 6th wya?!

@KashARTworks @chrisbrown @kennygotsoul @TheRealTank @ZaeFrance @DevonCulture @Louisgoldlive @1TRoyal 🔥🔥

@TristanTaylor88 😂😂😂

Dressed like Don Cheadle in rush hour

Def got hacked. We back tho smh

NEW MUSIC! Run this UP Ready 4 Luv - Will Singe, Vedo, J-Sol by Mishonmusic on #SoundCloud soundcloud.app.goo.gl/ATqCbk3DAuHhjD…

NEW MUSIC dropping 22/9 with the new gen kings of R&B @willsinge @mishon @vedothesinger 🔥 🌹Ready 4 Luv🌹 Pre-save here: ffm.to/r4lready4luv

Sometimes you gotta fall back to come back stronger...💪🏿

When Nipsey said “Would you rather be at war with yourself & at peace with the world. Or at war with the world and at peace with yourself” Shit hit different.

What a time

I might have to talk my sh*t 😈