Edwin Rodriguez

Horror, love stories, and real-life guides. Author of THE BONE ORCHARD OF ECHO RIDGE, WAVES OVER CONCRETE, and FROM 500 TO 700 IN 90 DAYS. New chapters below.

[Edwin Rodriguez @ERWrites]

@Chisom95109689 Most definitely. 👍🏽

[Edwin Rodriguez @ERWrites]

@captured_scenes Most definitely. I'd also let him know how I admire him. Letting him know how much of a major influence and inspiration he is to myself and so many other's. He's Tony Starks in the flesh... 🦾

[Edwin Rodriguez @ERWrites]

@MacsenRhodes @X_supporttop1 Helping to restore your credit. It gives you all the information needed to get your credit score back up.

[Edwin Rodriguez @ERWrites]

@captured_scenes Yes money most definitely follows people who create value. Creating value normally means making life in itself easier in some way for everyone.

[Edwin Rodriguez @ERWrites]

Most credit books explain. This one schedules.

FROM 500 TO 700 IN 90 DAYS
The Step-by-Step DIY Credit Repair Playbook

35 ready-to-mail letters. A 90-day dated calendar. 29 chapters.

You don't need more understanding. You need to know what to do today. https://t.co/3cfwZVAld3

[Edwin Rodriguez @ERWrites]

@elonmusk I knew this day would come. And this is only the beginning.

[Edwin Rodriguez @ERWrites]

@HonestTakesX Most definitely. I know anything Elon Musk puts his name on is definitely a great product with a futuristic look and feel. Innovation at its finest...

[Edwin Rodriguez @ERWrites]

@johnternus Hello how are you?

[Edwin Rodriguez @ERWrites]

https://t.co/AebPTJhEns

Most credit books tell you what a credit score is and say, “Pay your bills on time.”
This book takes a different approach.
It focuses on what happens when the information being reported about you is wrong, outdated, duplicated, incomplete, or impossible to verify—and what you can actually do about it.
Instead of simply telling you to “fix your credit,” this book gives you a system: what to look for, how to organize your records, how to identify questionable reporting, how to document your disputes, what to send, when to send it, and how to keep track of the process.
The goal isn't to promise a magic credit-score fix. It's to teach you how to take control of your credit file and understand the information being used to judge you.
If you've ever looked at your credit report and thought, “That can't be right,” this book was written for you.
Stop guessing. Stop sending random disputes. Learn the process, build your paper trail, and know what you're challenging.
📕 This isn't just another credit book. It's a system you can use.

[Edwin Rodriguez @ERWrites]

You can pay your credit card in full every single month, never pay a dollar of interest, and still be reporting 60% utilization to the bureaus.
Almost nobody knows this, and it's quietly costing people approvals.
Here's why it happens. Your issuer reports your balance to the bureaus once a month — on or just after the STATEMENT CLOSING DATE. Not the payment due date.
So if your statement closes on the 18th and your payment is due on the 12th of the next month, the snapshot of your balance is taken on the 18th. Whatever the balance is that day is what the entire credit system sees for the next 30 days.
You paid it off. You just paid it off after the picture was taken.
The fix costs nothing and takes one afternoon:
1. Find each card's statement closing date. It's on your statement and in your online account.2. Pay the balance down to 1-9% of the limit TWO TO THREE DAYS BEFORE that closing date.3. Let the statement close on that small balance. That's the number that gets reported.4. Pay the rest by the due date, so you still never touch interest.
Why 1-9% and not zero? Because if every card reports a $0 balance, some models read the file as having no recent revolving activity and score it slightly lower. Leave one card reporting one or two percent. Never all zeros.
And the band nobody realizes they're standing on: 30-49% is a noticeable penalty, and it's the most common range for files in the 500s and 600s. Crossing down out of it is where the fast points live.
Utilization is 30 percent of your score. It recalculates every month. Unlike every other factor, it responds to a decision you can make this afternoon — no new accounts, no letters, no waiting on anyone.
There's a free lever most people skip too: ask for credit limit increases on every card at least six months old. A higher limit lowers utilization instantly without you spending a dollar. Most issuers use a soft pull for existing customers. Ask for 2-3x, not the default bump. Never ask on an account you're delinquent with — that can trigger a review and a limit DECREASE instead.
Done across every card, this can move a score double digits in one cycle.
That's one chapter. The book has 29, plus 35 ready-to-mail letters, 40 troubleshooting situations, and a dated 90-day calendar that tells you which task belongs to which day.
It will not promise you a number. Anyone who guarantees you a specific score is either lying or breaking the law. What it does is stop you from guessing.

FROM 500 TO 700 IN 90 DAYS — Edwin Rodriguez, Tidewater Press. Paperback + Kindle.

https://t.co/kcLotnCbbP

[Edwin Rodriguez @ERWrites]

@fuyu_kasumii yes

[Edwin Rodriguez @ERWrites]

@Abhayaitech Hi

[Edwin Rodriguez @ERWrites]

@Abhayaitech yes

[Edwin Rodriguez @ERWrites]

Nobody at the bureau is rooting for you. You don't need them to be. https://t.co/YYqsftErwe

[Edwin Rodriguez @ERWrites]

@Dearme2_ "The Grin in the Rearview" by Edwin Rodriguez is available now! If you're a fan of horror, give it a read and let me know what you think in the comments. Enjoy! 🚘👻

https://t.co/zf9B0yShwg

[Edwin Rodriguez @ERWrites]

@Commentarystef D- he's very intelligent. Very inspirational

[Edwin Rodriguez @ERWrites]

@Dearme2_ https://t.co/6hONZTsrQj

"The Grin in the Rearview" by Edwin Rodriguez is available now! If you're a fan of horror, give it a read and let me know what you think in the comments. Enjoy! 🚘👻

[Edwin Rodriguez @ERWrites]

Nobody at the credit bureau reads your letter.

A clerk codes it, a computer answers it, and a 30-day clock starts the day it's received.

Once you understand that, disputing stops being persuasion and becomes paperwork. Here's the whole procedure. https://t.co/3OBj7uURH5

[Edwin Rodriguez @ERWrites]

Nobody shows you what's in the envelope.

Thirty days is thirty days whether or not anyone at the bureau cares about your file. You don't need to be persuasive — you need to be on time and on paper.

35 letters. A dated 90-day plan. No promised numbers. https://t.co/m9MF6IsbZW