04/15/2026
🔊Credit Cousins…here is another Credit💎
✳️Before starting your credit repair it’s important to know how to breakdown your report. You need to know what everything is and how it affects you directly.
✳️Here is a direct link to get your FREE credit report.⬇️⬇️⬇️
https://app.myfreescorenow.com/enroll/B02B3921
The 5 Key Sections of a Credit Report
1️⃣ Personal Information
This section includes your:
• Full name(s)
• Date of birth
• Social Security number (last 4 digits)
• Current and past addresses
• Employment history
• Phone numbers
Why this matters:
If this information is incorrect or inconsistent, it can create confusion with the bureaus and even link you to accounts that aren’t yours. This is often the first thing we correct when cleaning up a credit profile.
2️⃣ Accounts (Tradelines)
This is the main part of your report and includes:
• Open and closed accounts (credit cards, loans, etc.)
• Account type (installment or revolving)
• Current balance and credit limit
• Monthly payment and payment history
• Status (current, late, charged off, etc.)
What to look for:
We’ll break down how to spot missed payments, high utilization, and accounts that may be hurting your score.
3️⃣ Inquiries
There are two types of inquiries:
• Soft Inquiries: Don’t affect your score (e.g., pre-approvals, personal checks)
• Hard Inquiries: Affect your score and stay on your report for up to 2 years
What to focus on:
Too many hard inquiries in a short time can lower your score. You’ll learn how to check if they’re valid and how to remove unauthorized ones.
4️⃣ Public Records
This section may include:
• Bankruptcies
• Tax liens (rare now, but older reports might have them)
• Civil judgments
Why it matters:
These are major negatives and we’ll go over strategies to address or remove them if they’re present.
5️⃣ Negative Items / Collections
This is where you’ll find:
• Late payments
• Charge-offs
• Collections
• Repossessions or foreclosures
What we do here:
This is where the real credit repair happens. You’ll learn how to identify inaccurate or outdated negative items and prepare to dispute them in the next steps.
✳️Message us if you would like us to help you clean up your credit profile so you can get the FUNDING💰💸 you need, a 🚘 or a 🏡