Bryant Shelby

[Bryant Shelby @jadedfocus]

The best credit card for building credit isn't the one with the best rewards.
It's the one that:
- Reports to all 3 bureaus
- Has no annual fee
- Graduates to unsecured
- You can get APPROVED for right now
Start where you are. Level up from there....

https://t.co/cyJWVXtRCr

[Bryant Shelby @jadedfocus]

Paying off a collection doesn't remove it from your report.
Read that again.
A paid collection still sits on your report for 7 years. The status changes from 'unpaid' to 'paid' but the damage stays.
That's why pay-for-DELETE is the move. Always ne...

https://t.co/cyJWVXtRCr

[Bryant Shelby @jadedfocus]

Three things tanking your credit score right now:
1. High utilization (even if you pay in full)
2. That old collection you're ignoring
3. Only having credit cards (no installment mix)
Fix these three. Watch what happens.
#BusinessCredit #PersonalF...

https://t.co/cyJWVXtRCr

[Bryant Shelby @jadedfocus]

Credit repair companies charged my mom $1,200 and did nothing.
I learned the FCRA, wrote five dispute letters, and got $34,000 in inaccurate debt removed.
Cost: stamps and envelopes.
That's why I started Royal Ruby. Nobody should have to pay to le...

https://t.co/cyJWVXtRCr

[Bryant Shelby @jadedfocus]

If you have medical debt on your credit report, check this:
- Under $500? It should already be removed.
- Paid in full? It should be removed.
- Less than 1 year old? It shouldn't be reported yet.
The rules changed. Make sure your report reflects i...

https://t.co/cyJWVXtRCr

[Bryant Shelby @jadedfocus]

The best credit card for building credit isn't the one with the best rewards.
It's the one that:
- Reports to all 3 bureaus
- Has no annual fee
- Graduates to unsecured
- You can get APPROVED for right now
Start where you are. Level up from there....

https://t.co/cyJWVXtRCr

[Bryant Shelby @jadedfocus]

Your credit utilization is reported once a month on your statement closing date.
Not your due date. Your STATEMENT CLOSING date.
Pay your balance down BEFORE that date and watch your score jump. This is not a hack. This is how the system works.
#F...

https://t.co/cyJWVXtRCr

[Bryant Shelby @jadedfocus]

Credit repair companies charged my mom $1,200 and did nothing.
I learned the FCRA, wrote five dispute letters, and got $34,000 in inaccurate debt removed.
Cost: stamps and envelopes.
That's why I started Royal Ruby. Nobody should have to pay to le...

https://t.co/cyJWVXtRCr

[Bryant Shelby @jadedfocus]

Business credit starter pack:
1. LLC or Corp (not sole prop)
2. EIN from the IRS (free)
3. Business bank account
4. DUNS number from D&B (free)
5. Net-30 vendor accounts
6. Pay early. Always.
Do this right and you'll have a separate business credi...

https://t.co/cyJWVXtRCr

[Bryant Shelby @jadedfocus]

Unpopular opinion: you don't need to pay a credit repair company.
You need to learn the system. The bureaus have rules. The collectors have rules. The laws are on YOUR side.
You just need to know how to use them.
#DebtFree #FinancialLiteracy #Busi...

https://t.co/cyJWVXtRCr

[Bryant Shelby @jadedfocus]

Business credit starter pack:
1. LLC or Corp (not sole prop)
2. EIN from the IRS (free)
3. Business bank account
4. DUNS number from D&B (free)
5. Net-30 vendor accounts
6. Pay early. Always.
Do this right and you'll have a separate business credi...

https://t.co/cyJWVXtRCr

[Bryant Shelby @jadedfocus]

Your credit utilization is reported once a month on your statement closing date.
Not your due date. Your STATEMENT CLOSING date.
Pay your balance down BEFORE that date and watch your score jump. This is not a hack. This is how the system works.
#C...

https://t.co/cyJWVXtRCr

[Bryant Shelby @jadedfocus]

The best credit card for building credit isn't the one with the best rewards.
It's the one that:
- Reports to all 3 bureaus
- Has no annual fee
- Graduates to unsecured
- You can get APPROVED for right now
Start where you are. Level up from there....

https://t.co/cyJWVXtRCr

[Bryant Shelby @jadedfocus]

Your credit score isn't a grade. It's a price tag.
Every point costs you -- or saves you -- real money. Higher score = lower rates on mortgages, cars, insurance, everything.
Stop treating it like a number. Start treating it like your financial rep...

https://t.co/cyJWVXtRCr

[Bryant Shelby @jadedfocus]

You don't rise to the level of your goals. You fall to the level of your systems.
That applies to credit too.
Autopay. Utilization alerts. Monthly report reviews. Dispute tracking.
Set up the system. The score follows.
#CreditScore #MoneyMindset #...

https://t.co/cyJWVXtRCr

[Bryant Shelby @jadedfocus]

Credit repair companies charged my mom $1,200 and did nothing.
I learned the FCRA, wrote five dispute letters, and got $34,000 in inaccurate debt removed.
Cost: stamps and envelopes.
That's why I started Royal Ruby. Nobody should have to pay to le...

https://t.co/cyJWVXtRCr

[Bryant Shelby @jadedfocus]

Authorized user hack:
Get added to someone's credit card that has:
- 5+ years of history
- Perfect payment record
- Low utilization
Their entire history on that card appears on YOUR report. Instant age. Instant positive history.
Legal. Ethical. Po...

https://t.co/cyJWVXtRCr

[Bryant Shelby @jadedfocus]

Your credit utilization is reported once a month on your statement closing date.
Not your due date. Your STATEMENT CLOSING date.
Pay your balance down BEFORE that date and watch your score jump. This is not a hack. This is how the system works.
#P...

https://t.co/cyJWVXtRCr

[Bryant Shelby @jadedfocus]

The 'I'll deal with my credit later' tax:
- $800/year more on car insurance
- $400/month more on your mortgage
- Higher deposits on apartments
- Getting denied for opportunities
'Later' is costing you right now.
#FinancialFreedom #DebtFree #FICO #...

https://t.co/cyJWVXtRCr