16/02/2026
- If I had to start over with a 520 credit score — here’s exactly how I’d hit 750+ credit scores in 90 days or less.
💥 Step 1:
First things first — I’m pulling ALL 3 credit reports 🧾 (Experian, Equifax, TransUnion). I need to see everything holding me back. We’re breaking it down line by line 🔍
🧹 Step 2:
Freeze the secondary bureaus & start cleaning up my personal information 🪪 — deleting old addresses, wrong names, and outdated info that’s linking me to negative accounts. We’re cutting that off ✂️
👉 ( Link in bio for full credit repair guide 📚 )
📋 Step 3:
Listing every negative account, collection, or charge-off.
Then sending custom dispute letters using consumer laws — not those one-click online disputes 💪🏾
👉 ( Link in bio for full credit repair guide 📚 )
⚖️ Step 4:
No time for back-and-forth with the bureaus 🕒
I’m building my case with laws, receipts, and violations — making them respect my dispute 🧠
🚨 Step 5:
If they wanna play, I’m going straight to CFPB.gov 💻
That’s the Consumer Financial Protection Bureau — once they step in, things move FASTER🏃🏾♂️💨
👉 ( Link in bio CFPB method 📘)
📞 Step 6:
Got hard inquiries? Disputing those too 📉
24 hours after filing, I’m calling the bureaus to fast-track removals — pressure makes progress 📈
💳 Step 7:
While that’s moving, I’m adding positive accounts — Rent Reporters, Self, Ava. Those credit-builder accounts report on-time payments and stack up the good data 🏗️🌟
🔥 Step 8:
Tackling credit utilization — paying down balances or getting limit increases. Keeping usage under 30% . 👀 Under 10% is the sweet spot for MAX points 💎
💼 Step 9:
I’m also tapping into authorized user tradelines 💳
We’re talking 10+ year-old accounts with perfect history — a cheat code for a BIG score jump 🚀
🤝 Step 10:
Lastly, I’m locking in with a credit community — people on the same mission.
🔗 Full Guide Available in my bio.
