*Disclaimer. This is something that worked for me. Not promising that it’ll work for you but you should definitely give it a shot and just run the play. Also, I only had one late payment reported not sure if this method will be just as effective with multiple lates but hey, still give it a shot 🤷🏽‍♂️ Step 1️⃣ Call the company that you have the late payment with and ask them to email you your payment ledger that you have with their company Step 2️⃣ Upload the payment ledger into adobe acrobat and go to the date where you missed the payment and edit it from $0 to whatever your payment was suppose to be for that month. Save it to your files , you will attach the edited copy to your dispute 👀 Step 3️⃣ -Login into your Experian app -Click the button in the top right corner -Click help center -Click file a dispute -Click start a new dispute -Click the account with the late payment -Click start a dispute -Select “other reason” -Select “no, I don’t believe this is identity theft” -In the comment box put 👇🏽 “I was never late on this account. I spoke with a manager who also stated that I was never late and provided me with the payment ledger proving my on time payment history. Please remove the late payment ASAP.” -Upload your ID, Social, Utility bill , and your edited payment ledger This is what I did to get the late removed. Took them 1 day to remove it after filing the dispute. I don’t have time frame proof but I wouldn’t lie to y’all. If it takes them longer to remove yours well just hope that it gets removed. Also, feel free to try it on the other 2 bureaus. Note 📝 : ONLY do this method for accounts you DO NOT want to ever remove. You’re agreeing that the account is yours and you’re proving that the account is yours by sending them the payment ledger. Please don’t try to double back with the breach or IT method, you will look crazy 😂 better to go the consumer law or m2 route if this doesn’t work

Beneficial Ownership Information Report (BOIR) Don't forget to complete your report.... If you have a business in the United States , avoid making this mistake that will cost you $500 per day🤯… As of January 1st, millions of small businesses will need to file a beneficial ownership information report with FinCEN, a branch with the U.S. Department of Treasury. If you formed a S CORP OR C CORP or a LLC, a BOI is required unless you’re exempt. 📝If you registered your business PRIOR to Jan 1, 2024, you have 1 year to complete this report, until January 1, 2025. 📝If you filed on or after January 1, 2024, you have to file within 90 days of receiving your actual or public records of your formation. You will file via the FinCENs BOI e-filing portal at https://boiefiling.fincen.gov. The primary purpose of this report is to avoid or prevent companies that are money laundering, tax evasion, fraud, etc. Don’t get caught not filing this form and end up having to pay $500 fees. It’s not difficult to complete so no need to pay anyone unless your tax preparer is doing it for you, etc. Also, don’t forget to file your annual reports or pay your fees for your LLC to remain in active status: Here is a helpful link: https://www.llcuniversity.com/llc-annual-fees-by-state/ Here is a video I created exactly how to complete the report. Don't wait, get it completed asap! It will only take 10-15 minutes. https://go.screenpal.com/watch/cZf2qbVsGIu

Here is info I have my clients do when I'm removing their evictions they can freeze these 3rd party agencies so landlords cant see it if they are applying for houses or apartments: Tenant screening freezes CICreports.com 800-288-4757 (Option5) SafeRent-rental.corelogic.com 800-815-8664 (Option 1) or 888-333-2413 (Option 1)-Request report form Experian-Request security freeze experian.com/rentbureau Request report form 877-704-4519 First Advantage-FADV.com -Request report form: Phone 800-845-6004 RealPage-RealPage.com 866-934-1124 Screening Reports -ScreeningReports.com 866-389-4042

We're excited to have you join our community—a space designed to empower, educate, and elevate your financial journey. Whether you're just starting to build your credit, aiming to repair it, or striving for that elite 800+ score, the Credit Lounge is here to support you every step of the way. Who We Are: The Credit Lounge is more than just a community; it's a movement toward financial freedom and empowerment. We believe that with the right knowledge and tools, anyone can achieve their credit and financial goals. Our mission is to provide you with actionable insights, personalized advice, and the resources you need to make informed decisions about your financial future. ✅Step 1: Introduce yourself below with this copy/paste template: What's your name? Where you from? What do you do? Do you currently have a business? What's your expectations inside this community? What triggered you to sign up? (Was it an email, social media , Skool post?) ✅Step 2: Go through the Introduction Model: Step 1:! This will allow you to unlock new levels & access more of the course material. ✅Step 3: Download the Skool APP to your Phone ! ✅Step 4: Start Here Quick Tips: 1. Get familiar with all the information in the Classroom Tab, starting with Step 1: Watch the Recording 🎥 2. Go through all of the posts under Lashanta's 💎’s for hacks, strategies, updates, announcements and changes. 3. Utilize the search tool to input keywords for any questions; someone may have already asked the same question before. eg: Collections, Best credit unions, etc. 4. If you still can't find an answer, ask in the designated place under the Question tab to get it answered. 5. Familiar yourself with the community by exploring all tabs and videos available. To Do: 1) Have a profile photo so we can know you are a real person 2) Space out all your writings into single sentence paragraphs (like I'm doing here). 3) Welcome new members, make helpful posts, share your wins, and engage in the community to level up!

Heyyyyy guys!!! As you wrap up another week, take a moment to reflect on how far you've come. Whether you've tackled challenges head-on, made small steps toward your goals, or even just stayed committed to the journey, every effort matters. Success is built on consistency and resilience, and you're laying a strong foundation for greatness. Keep believing in your potential and remember: setbacks are setups for comebacks. 💎 As you step into the weekend, recharge and reset with a clear vision of what you want to accomplish. Use this time to realign with your "why" and let it fuel your drive for the week ahead. Remember, the journey to financial freedom and success is not just about building businesses or credit—it’s about building a life you're proud of. Stay inspired, stay focused, and never stop learning. You've got this!💪🏽 xoxo, Coach Lashanta