Jb consulting group LLC

Let me educate yall for a second cause a 700 credit score doesn’t automatically mean you approved it’s also about your profile so let me break this down

97-99% history is good but 100% is the best for good approval odds it shows lenders you are responsible and you make on time payments almost all the time!!

Credit usuals see how this person is using 34% of there credit card usage it would be better if they only used 15% - 10%

Derogatory marks if you have any derogatory marks or more that 1 you need to be signing up for my credit coaching program right now so I can help
You improve this without it you can kiss high limit credit cards & loans good bye

Credit age this person needs a tradeline for a profile like this 7-10 years credit age get the best approval odds

Accounts this person has great credit mix 44 accounts if you have less that 5-7 revolving accounts reporting that’s the biggest reason your score is low

https://www.luxurycrediteducation.com

CREDIT TIP MOST PEOPLE DON’T KNOW

Removing negative items is only half the strategy

If you don’t have enough positive accounts reporting, your score can remain low even after deletions

Lenders are not just reviewing what you removed
They are evaluating what you’ve built

Here is what they look for

A strong credit mix
Consistent on-time payment history
Multiple active trade lines
Long-standing accounts
At least 12 months of positive history

If your profile only has one or two accounts
If all your accounts are new
If you have no installment loans

Your file can appear thin or high risk

That leads to

Lower limits
Higher interest rates
More denials

A strong credit profile should include

Credit cards
Retail accounts
Installment loans such as auto, personal, or student loans
Positive payment history across all accounts

Clean credit is good
Strategically built credit is powerful

If you want to know what your profile is missing, comment PROFILE or send me BUILD

Stop focusing only on removals
Start building leverage