full disclosure: i'm a recovering addict. clean since march 3, 2015. i have a criminal record from those days.
why does that matter?
because i know what redemption looks like. and this ain't it.
redemption = change. accountability. making amends.
they're still victimizing people.

here's the part that makes me sick:
devin shaw issued a press release claiming "no affiliation" with ninja outsourcing.
but texas state records show he's LITERALLY the registered agent.
and a victim has him on record saying he "gifted the LLC" to them.

why haven't you heard about this?
because the industry platform (MyFreeScoreNow) silences victims. deletes posts. blocks people asking questions.
multiple victims told me they were too scared to speak out because MFSN could blackball them.

another victim: hess.
they caused a data breach that exposed his clients.
stress was so bad he was hospitalized. blood pressure 210/130. ER said he could've died.
all documented.

vivi campbell has multiple sclerosis. worked 16-hour days building the company.
they told her to "rest and recover" for her health.
while she rested, they stole her entire business.
sept 22, 2023: locked out. no warning. no compensation.

they join your business → get admin access to everything → tell you to "step back" → lock you out one day → defame you to YOUR OWN CLIENTS → keep all the money
happened to 7 businesses. documented.

I just published a 6,500-word deep-dive on this with exact numbers, real client examples, and the fastest path to improvement.

Read it here: www.credlocity.com/post/720-vs-...

Questions? Reply - I respond to everyone.

#Credit #PersonalFinance #FinancialLiteracy #CreditScore #MoneyTwitter

The bottom line:

720 = Good enough for approval
760+ = Good enough for best rates
850 = Bragging rights (but no practical benefit over 780)

Focus on getting to 760, not perfection.

Timeline for improvement:
- High utilization issue: 1-3 months
- Need account diversity: 6-24 months
- Recent late payments: 12-36 months

It depends on YOUR specific situation.

Common scenario I see:

Client has 720 score. Perfect payments. But carrying 40% utilization across cards.

We reduce utilization to 8%. Score jumps to 765 in 3 months.

Refinances mortgage. Saves $28K over loan life.

The 5 factors that determine your score:
1. Payment history (35%) - Most important
2. Credit utilization (30%) - Keep under 10%
3. Credit age (15%) - Older is better
4. Credit mix (10%) - Diversity helps
5. New credit (10%) - Minimize inquiries

But here's what matters: You don't need 850 to get the best rates.

Most lenders give top-tier pricing to anyone 760+.

That's the realistic goal, not perfection.

On a $350,000 mortgage:
- 720 score: ~7.13% rate = $2,668/mo
- 840 score: ~6.69% rate = $2,564/mo

That's $104/month MORE at 720.
Over 30 years? $37,000+ in extra interest.

A 720 score = GOOD credit (670-739 range)
An 850 score = PERFECT credit (exceptional tier)

They're not even in the same category. And that difference costs you real money.