Step 1: I’m pulling ALL 3 reports — Experian, Equifax, TransUnion. No guessing. No hoping. I need to see everything blocking my score. Line by line. Step 2: Cleaning up my personal info. Old addresses, misspelled names, outdated jobs… all that ties you to negative accounts. Cut it off → cleaner disputes. Step 3: Building a HIT LIST: every collection, charge-off, late payment. And no, I’m not clicking online disputes like a rookie. I’m sending real consumer-law letters that actually stick. Step 4