CreditTalks.with.Tamara

1720 followers

Follow

Follow

Follow

2 saved

1

10

Credit is fixable: my story

I didn’t just talk about fixing my credit…

I actually did it.

I removed collections, chargeoffs, and late payments and used those same exact letters to help others change their story too.

This journey led me to my first home, my first approvals, and my first real taste of financial freedom.

And I’m just getting started.

If you’re serious about changing your credit, you need the 750 Elite Playbook.

#fixyourcreditsis #badcreditscore #ifixcredit #ifixcreditsoyoucanbuyahome #needcreditrepair

2025/4/29 Edited to

Having a bad credit score can feel overwhelming, but it is possible to turn your financial situation around. The process starts with understanding your credit report and identifying negative items such as collections, chargeoffs, and late payments. These factors can significantly impact your creditworthiness, making it important to take action. Tools like the 750 Elite Playbook provide strategies to dispute and remove these negative items effectively. Many individuals have embarked on similar journeys, finding success through determination and the right resources. Emotional resilience plays a crucial role as you navigate the complexities of credit repair. It is essential to be proactive, reaching out to creditors and utilizing templates that can lead to the removal of harmful credit listings. Moreover, by learning from others' experiences and leveraging online communities, you can gather insights tailored to your unique financial situation. Remember that improving your credit is a marathon, not a sprint, and small, consistent efforts yield the best results over time. Additionally, understanding the significance of maintaining good credit can direct your future financial decisions, such as applying for loans, mortgages, or even securing better interest rates. By fixing your credit, you not only improve your financial prospects but also restore your confidence in managing your finances. This journey is attainable for everyone if you're committed to learning and taking action.

Related posts

Story ❤️ #twohottakes #twohottakespodcast #redditstories #reddit_tiktok #podcast #podcastclips

1 like

28 likes

Client Testimonial: Credit Score Jumped 565 → 740

I wanted to share a quick client credit testimonial because progress like this always reminds me why understanding your credit report matters. This client started at a 565 credit score in February 2026. After reviewing and correcting key issues within the credit profile, the score increased to 6

130 likes

Credit to original owner

8 likes

Hot take but someone has to say it. I tried all of this when I was diagnosed with Graves and later dealing with Thyroid Eye Disease, and it did way more harm than good. Here’s the advice we’re officially leaving behind in 2025: 🚫 “Your labs are normal so nothing is wrong” 🚫 “Just take met

0 likes

I believe the pull-up is the ultimate muscle 𝐦𝐚𝐦𝐢 💪🏾 exercise (right next to my fave conventional deadlift 😏). But if you can’t do a pull-up yet, here’s where to start: ✅ Assisted Pull-Ups — machine or band, both work. ✅ Hanging Shrugs & Scapular Pulls — build the foundation of shoulder stabil

14 likes

If you have a spending addiction this is for you ❤️ #spendingmoney #soendingproblem

2 likes

It’s not normal, it’s a sign your hormones need support. 💡 What’s Really Happening? Brown discharge usually means low progesterone, the hormone that: ❌ Keeps your cycle regular ❌ Supports metabolism & weight loss ❌ Reduces anxiety & mood swings ❌ Boosts fertility & ovulation When progesterone is

369 likes

It’s time to get real

3 things that are wrecking your energy… that you probably don’t realize: 1. Blood sugar crashes 2. Poor gut health 3. Chronic stress And the problem? Most people try to fix energy with caffeine. But that’s just masking the issue. If your foundation isn’t supported… you’ll keep cha

0 likes

Why a Credit Union Should Be Your First Call

Before Any Mortgage Lender THE CALL MOST BUYERS NEVER MAKE Before you call Rocket Mortgage call a credit union first. Here's what 20 years in lending taught me. THE FUNDAMENTAL DIFFERENCE Rocket Mortgage is a for-profit company. Credit unions are not-for-profit member-owned cooperative

9 likes

Why Your Content Isn’t Growing

Most creators blame the algorithm. But growth usually comes down to a few fixable things. The moment you get honest about what’s not working is the moment things start changing. #CONTENT #contentcreator #algorithm #growth #contentcreatortipsforbeginners

9 likes

What I wish I knew before becoming a Pharm Tech ✨

These are all things that I wished someone told me before I ever started in pharmacy! I love love love my job and have had a few tech jobs since I first got my license and every pharmacy has been different. I’ve loved getting to know new people and learn from some bloody wonderful and incredibly kn

253 likes

A screenshot of a text message from a boyfriend discussing overcoming relationship challenges together, emphasizing mutual support and not ending things over fixable problems. The text is overlaid with 'How my boyfriend and I communicate'.

A screenshot of a text message from a boyfriend stating they will work on issues together, acknowledging personal work needed, and reiterating 'us against the problem, not us against each other'.

A screenshot of a text message from a boyfriend expressing that everyday with his partner reinforces his desire to marry them, highlighting deep affection.

Accountability in A Relationship

My boyfriend has taught me so much about how to actively communicate in an argument w/o shutting down. Although I still do it sometimes it’s a work in progress. He always reassures me and tells me it’s us against the problem not me n him against eachother. Growing up my feelings were always mis

2326 likes

My ex wife sends child support and my new wife wants half of it to be put in a retirement account in HER name, so l told her to leave my house because divorce is on the way #reddit #redditstorytime #redditreadings #redditstoriestts

16 likes

Everyone thinks you’re crazy. Your doctor thinks you’re crazy for wanting more than “eat less, move more.” You’re not crazy. You’re just ahead of what the system is willing to offer you. Don Quixote wasn’t wrong about the giants. He was just living in a world that hadn’t caught up ye

0 likes

🙈 This one might shock you, but anti-aging starts with the things you DON'T do! The last one takes the cake! A lot of aging comes down to your habits, but the good news is these are all fixable. Comment which one of these you want a swap or solution for ⤵️ #antiatingtreatment #aginggracefully

1 like

i know you're like WHAT IS THE METHOD tell me already. okay so i figured out what actually causes moon face and it's not genetics like everyone thinks. your face isn't permanently round bc of your bone structure, it's puffy and swollen bc of one thing and it's completely fixable. when i discovered

18 likes

5 relationship threatening HABBITS 💔

You don't see it happening until it's too late. These patterns slowly erode trust, intimacy, and connection—but they're fixable if caught early. Awareness is the first step to change. Bond Couples App helps you break these destructive habits: 💬 Communication Bootcamp - Stop avoiding,

6 likes

You think your credit has to be perfect

to buy a house. 🏡 That's not what stopped most of the people I denied. I ran lending for 12 years. Supervised underwriting AND collections. Reviewed thousands of files. Here's what most people never hear from someone who actually sat behind that desk: It wasn't the score kil

16 likes

Feeling exhausted, disconnected, not yourself? It's not age. It's not "just stress." It's hormonal imbalance — and it's fixable. ✅ Boost natural libido ✅ Rebalance hormones ✅ Rebuild confidence & intimacy No pills. No crash diets. Just a real program built for wom

1 like

A view from inside a car looking out the passenger window, showing a side mirror reflecting a vehicle with flashing lights. Outside, a street with traffic lights and other cars is visible under a cloudy sky. The car's interior door panel is in the foreground. Text overlays read “For a TINY sticker?!” and “I NEED YOUR ADVICE!”.

Got my first ever pull-over at 70mph

Cruising the highway, minding my own business with no speeding, no lane swerving, just vibing. Saw a cop car behind me, thought “must be an emergency,” so I kindly moved over. But when I went left, they went left. When I went right, they went right. Then blue lights. Pulled over on the highway,

900 likes

Things Killing a $4M Listing Before Buyers Walk In 👀

Your $4M listing usually doesn’t lose value because of one massive issue. It loses momentum because of six small ones buyers notice in the first 30 seconds. Luxury buyers are paying for a feeling, not just square footage. If the home feels dated, neglected, or hard to imagine themselves in, they

0 likes

“Your relationship can grow again.”

Nothing is too far gone when two people care. Love is fixable. Start your healing journey with my 30+ Couples Prompts. Link in bio.

12 likes

I understand that it is a glitch but did I break it? Did I? Did I break it? - if you get the reference you have my heart forever… #lemon #lemon8 #lemon8diary #weeklyinsightreport #glitch #errors #fixable

12 likes

HOW CAN I LOOK BETTER

Ignore the hair, I was going for a specific look 😂 Also ignore the screenshotted pictures, I forgot to take any selfies lol But please lmk what I can do better??? Most of it isn’t fixable unless surgery is involved but maybe some of yall have tips and tricks?? 😭 #fixyourface #embracevuln

118 likes

#greenscreen Last month one of my reels hit over 2 million views. This week? 5,978. If my worth was tied to performance, I’d be on an emotional rollercoaster. And that’s exactly what so many women are doing with the scale. One number goes up and suddenly: “I’m failing.” “I need to eat l

1 like

If your skin ever turned red, flaky, or stung after using retinol, you’ve probably experienced retinoid dermatitis. 🫠 It’s one of the most common side effects when starting retinoids, and while it can look alarming, it’s usually temporary and fixable with the right care. This reaction happens

385 likes

Let’s talk about it. You’ve been working out, showing up, sweating hard—but the scale’s stuck, your body isn’t changing, and you’re frustrated. 😩 Here are 6 reasons you might not be seeing results, even with workouts on lock. I see these all the time with new clients — and they’re all fixable.

1 like

is this fixable fr cause it’s on my mind 24/7. can you guess my sign? 😭😭😭 #relatable #crashingout #trending #storytime #itsjadasasha

3 likes

L Lawliet by Anonymous Studio (L change the world by Nisioisin / M) 🤍 I am honestly beyond impressed by how gorgeous this figure turned out. (L specifically and most importantly) he’s definitely my most favorite resin statue by far. I am so happy he came in one piece 🥹 (save for a small strand of

1 like

Going to a listing appointment is about a lot more than just price. When I walk into a house for the first time, I’m immediately looking for two things: 👉 what the seller can do to help the home sell faster 👉 what I can do to help it sell for more Sometimes that’s staging — even when the house is o

13 likes

Quite a few decent fixable 57 fenders in . $400-$5

Quite a few decent fixable 57 fenders in . $400-$500 per pair . Russell springs Kentucky. Have hoods around $300 ish as well. Radiotor supports $100 front splash pans $100 inner fenders $100 each . #chevy #chevytrucks #classiccars #ss #chevrolet

5 likes

Being the parent of a child in ED recovery is a big job but it’s an adult job. Yes she is responsible for helping herself through the guidance of us and her team. However, she’s not responsible for the adult things we have to manage on a day-to-day basis. I think it’s also important to lead by exam

4 likes

Tired of feeling stuck with your weight, even though you’re doing all the “right” things? Here’s the truth: If you have Hashimoto’s or PCOS, your body can’t lose fat easily when blood sugar is out of balance. This is called insulin resistance, and it’s one of the most overlooked reasons peop

4 likes

1996 Lexus LS • LS 400 Sedan 4D

This car was my great grandpas, he has kept it in great condition over the years but did not drive it enough, the wiring on it is damaged. I had the fuel pump replaced, the car can run on a charge for a limited time then the battery dies, seems like it's fixable but I don't have the time fo

1 like

A screenshot of a CreditOne Bank credit card account showing a current balance of $1,636.89. The available credit is -$843.00, indicating the card is "Over Limit" compared to its $1,200.00 credit limit, illustrating the user's credit card issue.

I Helped a Friend… and It Cost Me My Credit Score😭

I thought I was just being a good friend, But lack of knowledge and information got me fvckd up so he needed a rental car, his card declined, so I used mine. He paid me back in full for two weeks … but guess what? He then extended it to two more weeks and my credit limit is 1200 and rental decided

1531 likes

Fix bad credit cheap and fast!

Bad credit will destroy your chances at getting a loan at a reasonable rate. It will lock you in to ridiculous interest rates costing you thousands of extra dollars. And if you’re looking into starting a home business, having bad credit will seriously limit your ability to move when you need to and

2 likes

WORST FEELING EVER!! but don’t worry it’s fixable😌

10 likes

How to Stop Voice Cracks When Singing

Voice cracks can be SO frustrating 😤, but they’re fixable! Here’s how to avoid them when singing 🎤. #SingingTips #VocalTechnique #HowToSingBetter #ColtynVonDeylen

40 likes

Broke is a mindset: stop holding yourself back 💡💸

🚨 5 Budgeting Mistakes Keeping You Broke 💸 If you’ve been budgeting but still feel stuck, you might be making one of these common mistakes: ❌ Not Tracking Expenses – If you don’t know where your money is going, your budget won’t work. ❌ Underestimating Irregular Expenses – Birthdays, car rep

7 likes

If you’re not making sales, it’s not because your business “doesn’t work.” It usually comes down to 3 things: -You’re not visible enough -Your message isn’t clear -You’re not in front of the right audience And the truth is… most people are struggling with all three at the same time. The

5 likes

Married Women Don’t Get Enough Credit

Married women truly don't get enough credit. My husband just told me the same story for the 25th time. I let him finish, and I even acted surprised. It’s the little things, right? 😂 #MarriageLife #WifeDuties #Relatable #RelationshipGoals #LoveAndLaughter

4 likes

Most people think the slow decline into weakness, frailty, and nursing homes is “normal aging.” It isn’t. It’s common, but it’s not inevitable. The truth is, muscle is a choice. You can build and protect it, or you can ignore it and let it waste away. Cross-sections of muscle tissue tell

1 like

Day two of making my own sourdough starter and we’ve already hit a problem 🥲 #sourdough is this fixable?? #sourdoughstarter

0 likes

i bet you're frustrated like okay WHAT is it that humbled your face puffiness. trust me i was about to delete my entire camera roll before i figured this out. but here's what i discovered - face puffiness isn't permanent it's just something covering your real face. everyone's deleting photos thinki

1 like

Consistency > Motivation Wins If you’ve ever said “I know what to do… I just can’t stick to it,” pause right here 👀 Because this isn’t a willpower problem. It’s a consistency problem — and that’s fixable. 💚 Most women don’t fail because they lack knowledge. They fall off because life gets b

1 like

See more