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⭐ How to Boost Your Credit 150 Points in 90 Days (Real Strategy)

If you’re trying to raise your credit score fast, this is the real blueprint. From dropping utilization to deleting collections and adding positive tradelines, here’s the proven 90-day strategy that…

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Let’s keep it 100 for a second.
Most credit advice online is fluff.
“Make on-time payments!”
“Don’t max out your cards!”
Sis… we KNOW that already.

If you want a REAL jump — 150 points in 90 days — you need a strategy that works fast, plays by the rules, and puts YOU back in control.

Here’s the exact blueprint I give my clients when we’re trying to buy a house, qualify for better interest rates, or just stop the financial stress spiral.
Grab a notebook. It’s go-time. 💥

💬 Real Talk Before We Start

Most people don’t have “bad credit.”
They just have:

So today?
That’s me. I’m your coach. Let’s get this done.

🔍 Step 1 — Pull Your REAL Credit Scores (Not the Fake Ones)

Before you do anything, you need to see what lenders actually see.

Because I’m gonna say something that may hurt a little:

➤ Credit Karma is for entertainment purposes only.

Mortgage lenders don’t use it.
Car lenders don’t use it.
Banks don’t use it.

You need your FICO scores, especially these:

✔️ Go to MyFICO.com → 3-Bureau Reportpu

This gives you:

You cannot improve what you cannot see.

🔥 Step 2 — Identify Your Score Killers (There Are Only Three)

99% of credit damage comes from:

1️⃣ High credit card balances

2️⃣ Late payments

3️⃣ Collections

That’s it.

We fix them in this order because that’s how FICO ranks importance.

💳 Step 3 — Drop Your Utilization FAST (The 48–72 Hour Boost)

If your cards are maxed out, your score is suffocating.

🧠 FICO hack:

Credit card utilization counts for 30% of your score — that’s HUGE.

✔️ Goal = Keep every card under 10%

Not 30% like Google says.
TEN. PERCENT.

Example:
Limit = $1,000 → Only use $100.

⚡ Fast Ways to Drop Utilization:

💥 Many clients see 40–90 points jump here alone.

📞 Step 4 — Remove Collections Using “Pay for Delete” (Most Powerful Move)

Do NOT:

❌ Dispute it
❌ Send 609 letters
❌ Listen to TikTok “gurus”

If the collection is yours, do this:

✔️ Call them and ask:

“If I pay this today, will you delete the entire account from all three credit bureaus?”

You want the whole tradeline deleted, not updated.

If they agree → get it in writing → pay → watch your score climb.

This move = +20 to +75 points, depending on the account.

If they won’t delete it, I can write your goodwill + validation combo letter next.

⏳ Step 5 — Late Payment Removal (14–30 Days Strategy)

Late payments hit harder than collections, especially recent ones.

But they CAN be removed.

✔️ Method: Goodwill Adjustment

You email or mail:

Explaining:

This removes the late payment, not the entire account.

Impact:
👉 +25 to +100 points, depending on how recent.

🚀 Step 6 — Add Positive Tradelines (Score Boosters)

These accounts add credit history, which increases your score faster.

✔️ Add these TODAY:

Rental reporting alone can add 30–50 points.

🛡️ Step 7 — Freeze Secondary Bureaus (Secret Weapon)

Freeze these:

Why?
Because when they can’t verify your old debts, negative items are easier to remove.

This is how credit repair companies work behind the scenes — now you know too. 😉

🧊 Step 8 — STOP Applying for Anything for 90 Days

Every time you apply for something:

📉 –5 to –20 points

And your score drops even if you’re denied.

Lock in, stay focused, avoid new inquiries.

📅 Step 9 — Your 90-Day Credit Boost Schedule

Week 1

Week 2

Week 3

Week 4

Week 5–12

Stick to this blueprint, and 150 points in 90 days is not luck, it’s math.

🌟 Final Word:

Your credit doesn’t define you, but it DOES determine your opportunities.

When you control your credit, you control your:

This is how you build options, and options build legacy.

And around here….
We’re all about Legacy Energy. 💙💛🔥

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