04/02/2026
Okay… April Fool’s. 😂 The National 800 Club is not real.
Okay but can we talk about how y’all were in my DMs and comments with the congratulations? I felt so loved. And so guilty. 😭😂
But I am real, and so is my 800+ score.
I didn’t stumble into good credit. I built it intentionally, protected it consistently, and made decisions with the long game in mind. Credit has never been a mystery to me. It’s been a tool. And once you learn how to use it, everything changes.
That’s why I do this work. Because I know firsthand what’s possible, and I want that for you too.
So here’s what it actually takes:
✅ Pay on time. Every time. No exceptions.
✅ Keep your utilization below 10%. Not 30%, not 29%. Below 10%.
✅ Don’t open a bunch of new accounts at once. Every hard inquiry matters.
✅ Keep your oldest accounts open. Age of credit history is working in your favor. Don’t cut it off.
✅ Have a mix of credit: cards, installment loans, etc. Diversity counts.
When your credit is right, the doors open. The home, the car, the business credit. Lower rates, better approvals, and real negotiating power with lenders who actually want your business.
If anything inaccurate, outdated, or unverifiable is sitting on your report keeping you out of that club, that’s exactly what we handle at Credit Location.
The link to get started is in my bio. No April Fool’s about it. 👏🏽
