500 credit score? Cool. Here’s how I’d turn that into a 700 in 90 days or less. Here’s the move: 1️⃣ Pull all 3 reports — Experian, Equifax, TransUnion. 2️⃣ Clean up your personal info — every old address, name, and error. 3️⃣ Make your hit list — every negative account, every collection. 4️⃣ Send real dispute letters backed by consumer law, not online clicks. 5️⃣ If they stall, file with CFPB.gov — that’s the pressure button. 6️⃣ Knock out hard inquiries and follow up 24 hrs later. 7️⃣ Add posi
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