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Step 1: First things first, I’m pulling ALL 3 of my credit reports—Experian, Equifax, TransUnion. I need to see EVERYTHING that’s holding me back. We’re breaking it all down, line by line. Step 2: Next, I’m cleaning up my personal info. I’m talking old addresses, wrong names—all that outdated stuff that keeps tying me to negative accounts. We’re cutting that off. Step 3: Then, I’m making a hit list—every negative account, collection, or charge-off. Those are getting dispute letters sent ASAP. We
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