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Sis, that “hard inquiry” from an account you didn’t open? You got 30 days to dispute it and protect your profile under FCRA.

Sis, collections that never sent you a dunning letter (that 30-day validation notice)? They outta compliance. Dispute and win.

Sis, keep credit card usage below 30%—but under 10% is where the real magic happens. Low usage = high scores. Flex smart.

Sis, don’t ignore certified mail from debt collectors. Open it, read it, and respond on time. Silence = assumed guilt in their world.

Sis, debt buyers can’t just say you owe—FCRA says they need proof. No contract? No coin. Dispute the mess outta that.

Sis, always check all 3 bureaus: Equifax, Experian, and TransUnion. One might be holding you back silently. Know ya enemies!

Sis, they don’t want you to know this credit hack 👀💳 Fix your score without paying a repair company. #CreditRepair #BlackWomenAndFinance #FixYourCredit

Sis, you’re allowed 1 FREE credit report a week at AnnualCreditReport.com. Use it. Monitor yourself before they try you.

Sis, if a collection is paid and STILL marked unpaid? That’s grounds for deletion. They playing. Dispute it NOW.

Sis, if you got hit with identity theft—freeze your reports and file a police report. Then dispute those fraudulent accounts with proof.

Sis, adding yourself as an authorized user on a trusted family member’s card? Instant boost to your age and score. Just don’t get played.

Sis, every letter you send to the bureaus? SEND IT CERTIFIED MAIL. You need that paper trail. FCRA protects you if you got receipts.

Sis, if they reporting a collection but never contacted you FIRST in writing? That’s a violation. FCRA says they OWE you a 30-day heads up. ✉️🗑️

Sis, ANY account with “unknown open date” or missing details? Automatic dispute. If they can’t prove it, they gotta remove it. Period.

Sis, if a debt collector won’t show proof of the original signed contract? Bye. That’s called lack of validation. ✂️ Get them gone.

Sis, don’t EVER verbally agree to a debt on the phone. They record you tryna reset the statute of limitations. Stay cute & silent 📵

Sis, debt collectors can’t call you before 8am or after 9pm—that’s harassment. Keep track. That’s a lawsuit waiting to happen 🧾💼

Sis, you can request the method of verification from credit bureaus. If they can’t explain HOW they verified the debt = DELETION 💁🏾‍♀️

Sis, don’t just dispute online. Mail it in certified—why? Because online disputes waive some of your rights. We fight cute but smart. 💌📬

Sis, 609 Letter. That’s your secret weapon. Force them to show the original signed doc or delete the whole account. Use it like a lawyer. 🔥📄