Ms Tee A & B Consultant

10/02/2026

Free Gem💎

“DELETED” DOESN’T ALWAYS MEAN AN ITEM CAN NEVER APPEAR AGAIN. 👀

Under the FCRA, information removed after a dispute can potentially be reinserted if required procedures are followed, including certification that the information is complete and accurate.

There are consumer-notification requirements associated with reinsertion.

So if something you previously disputed suddenly reappears:

‼️ Don’t immediately send 14 random letters. 😭

‼️ Compare your old and new reports.

‼️ Document what changed.

‼️ Review the dispute results you previously received.

‼️ Then determine the appropriate next step based on the actual reporting.

‼️ Keep your credit reports and dispute results.

Your paper trail matters. 📂💯

09/30/2026

Medical debt is back on credit reports ‼️😭

09/30/2026

I love when people decide they want BETTER and quietly start moving like it! No announcement. No permission.

Just changing habits, setting boundaries, and handling BUSINESS! 🗣️🔥

Everybody don’t need a heads-up. Let them notice! 💪🏾

09/28/2026

I don’t know who needs to hear this, but BRING THAT UTILIZATION DOWN! 🚨😂

I recommend keeping your credit card balances at 10% or lower whenever possible.

You cannot keep maxing out these cards, then wait until it’s time to buy a house, get a car, or apply for funding to start caring about your credit. 😩

High utilization can drag your score DOWN fast.

Keep those balances LOW now so you’re not scrambling later. Your credit profile will thank you. 🥰🤍

09/20/2026

List of banks and lenders. It shows what bureau they pull from and what score is needed for some of them.

*Amex – Experian
*Bank of America - Equifax
*Barclaycard Apple Rewards – Experian (720+ $3,500)
*BMW Financial Services – Experian
*BMW Financial Services – Experian (695+ $50,000 Lease)
*Capital One Auto Finance – Experian – Equifax
*Capital One Auto Finance – Experian (650+ $30,000 with Proof of Income)
*Capital One Bank Credit Cards – Equifax – Transunion
*Capital One Venture – Experian – Transunion (650+ $5,000)



*Capital One Quick Silver 1 – Experian (600+ $500)
*Capital One Venture – Experian (680+ $20,000 with 2 AU’s over $10,000 each)
*Car Smart – Transunion
*Carmax – Experian – Equifax – Transunion
*CBNA Credit Cards – Experian – Equifax
*Centric Credit Union Visa – Experian (530+ $500)
*Chase Bank – Experian & Equifax
*Chase – Experian (750+ $10,000)
*Chase Amazon Rewards – Experian (750+ $7,000)
*Chase Freedom – Experian (750+ $7,000)
*Chase Ink Bold – Experian (720+ $15,000)
*Chase Sapphire Preferred – Experian (720+ $18,000) Chase Southwest Plus – Experian (750+ $3,500)
*Chase Amazon Rewards – Experian (750+ $7,000)
*Chase Freedom – Experian (750+ $7,000)
*Chase Ink Bold – Experian (720+ $15,000)
*Chase Sapphire Preferred – Experian (720+ $18,000) Chase Southwest Plus – Experian (750+ $3,500)
*Chase United Explorer – Experian (720+ $19,500)
*Citibank Best Buy - Equifax
*Citi American Airlines Platinum – Experian (720+ $6,500)
*Citi Double Cash / Citi Thank You Premier – Experian (720+ $6,800)
*Citizen’s Bank (location specific) Equifax
*Community First Credit Union – Equifax (region specific)
*Community – Transunion or Equifax
*Credit Union of Texas – Equifax
*Credco Auto Reseller – Experian – Transunion
*Chrysler Credit – Transunion – Does Not Re Report to D&B Dell Computers *Preferred Account – Experian (690+ $1,500) Delta Skymiles Gold Amex – Experian (660+ $5,000)
*Digital Credit Union DCU Personal Loan – Experian (700+ $26,000)
*Digital Credit Union DCU Auto Loan – Experian (700+ $25,000 with Proof of Income)
*Direct TV - Equifax
*Discover Card – Equifax – Transunion *Discover It – Experian (620+ $1,500 - $5,500)
*Drive Finance Auto Financing – Experian – Transunion
*Elan Financial - Equifax
*Fifth Third Bank – Transunionu
*FIA Amex Fidelity American Express – Experian (740+ $9,000)
*Fidelity Amex Investment Rewards – Experian (720+ $12,500)
*Fidelity Investment Rewards Visa *Signature Card – Experian (750+ $7,500) *FirstBank Credit (FNBO) SavingStar *Amex – Experian (650+ $1,000) FNBO/*NRA – Experian (740+ $8,500)
*First Choice Bank – Primer Visa – Experian – Equifax – Transunion First Data *Merchant Services – Credit Card *Merchant Account Processor Greater Texas FCU – Experian (620+ $27,000)
*Hertz Corporation – Equifax Home
*Depot – Experian (650+) HSBC –
Transunion
*Jared/Sterling – Experian (600+ $1,500)
*JCB Marukai Premium California – Experian (750+ $5,000 with Proof of Income)
*JCrew (Comenity) – Experian (600+ $750)
*JP Morgan Chase Business – Transunion – *Chexsystems JP Morgan Chase Bank – Equifax Kohls – Experian (560 $300)
*Lexus Financial Services – Experian (690+ $90,000 with Lease)
*Mercedes Auto – Transunion + Experian + Equifax
*Macys – Experian (700+ $1,000)
*NASA FCU Platinum Rewards – Experian
*NASA Visa Platinum Cash Rewards – Experian (735+ $20,000)
*Navy Federal Credit Union – Equifax – Transunion
*NFCU GoRewards Visa – Experian (660+ $1,000)

Credit Unions that Pull Transunion
------------------------------------
1) Navy Federal
2) Alliant
3) Lake Michigan
4) Apple Federal Credit Union
5) Tower Federal Credit Union
6) Trumark Financial Credit Union
7) Corporate America Family Credit Union

Non Credit Unions
💎Jasper MC
9) BMO Harris
10) Apple Card

Credit Unions that Pull Experian
----------------------------------
1) First Tech FCU
2) PSECU
3) Andrews FCU
4) State Department FCU
5) Affinity FCU
6) Redstone FCU
7) NASA FCU
💎Unify Financial FCU
9) American Heritage FCU
10) United Nations FCU

Credit Unions that Pull Equifax
----------------------------------
1) DCU - Digital Credit Union
2) NRLFCU - National Research Lab Federal Credit Union
3) SECU OF MD
4) NIHFCU
5) SIGNAL FCU
6) SkyPoint FCU
7) AgFed Credit Union
💎Interior Federal Credit Union
9) PenFed Credit Union
10) Justice Federal Credit Union
11) Chevron Federal Credit Union
12) Langley Federal Credit Union
13) AOD Federal Credit Union

**Bonus - WoodForest National Bank (Non credit union)

Transunion Only

Fifth Third Bank – Transunionu

Navy Federal (they need an account)
US Bank (don’t need an account
Legacy (it can be a fresh account)
Barclays
Apple
Care Credit
Anything Synchrony Bank
Bank of America
Capital on Tap for business
Capital One

Experian
Chase
American Express (want to be super clean when apply 720+ fico score, less than 2 inquiries.)
Citi
Wells Fargo

Equifax
Truist
Navy federal increase
Wells Fargo
Discover
TD Bank
USAA
Penfed

09/20/2026

🚨 If you financed a car through Credit Acceptance between 2015–2025, CALL 1-800-634-1506 Monday and ask if you qualify for money back or debt relief!

They just reached a $710 MILLION settlement announced September 17th. 💰

You may qualify — CHECK YOUR LOAN! I’m just sharing the knowledge because somebody needs to know! 👀

A&B Credit Policy Brief — September 20, 2026

Multistate Credit Acceptance settlement includes debt and credit-reporting relief

Status: Negotiated settlement and proposed federal consent judgment—not a new rule applying to every auto loan or repossession

On September 17, New York and a bipartisan coalition of 39 additional states—including Alabama—plus Washington, D.C., announced a major settlement with subprime auto lender Credit Acceptance Corporation.

The states alleged that Credit Acceptance facilitated unaffordable loans, misleading vehicle pricing and unwanted GAP coverage or service contracts. Credit Acceptance denies violating the law, and the proposed judgment contains no finding of liability.

The relief includes:

* Approximately $634 million in debt cancellation for more than 55,000 qualifying borrowers.
* A $60 million restitution fund for additional affected consumers.
* $15.5 million in payments to participating states.
* For accounts receiving full debt relief, Credit Acceptance must stop furnishing information and request deletion of the associated tradelines from Equifax, Experian and TransUnion.
* Credit Acceptance must notify covered consumers that their accounts are closed and no further payments are owed.
* New protections concerning vehicle prices, income verification, high-risk loans and optional add-ons.

The proposed judgment lists November 2, 2026, as its effective date, but consumers should wait for an official notice or written confirmation before changing payments. New York Attorney General’s announcement⁠, proposed consent judgment⁠

Why it matters: This is a rare settlement combining debt cancellation, restitution, collection restrictions and case-specific credit-report deletion requests. However, it does not create a general right to erase every Credit Acceptance account, repossession or accurate auto-loan tradeline.

Update A&B educational materials:

* Add Credit Acceptance as a case study in evaluating APR, affordability, vehicle value and the total amount financed—not merely the monthly payment.
* Teach consumers to compare the sales price with a reliable retail-value source before signing.
* Require clear review of GAP, service contracts and other add-ons, including their effect on monthly and total payments.
* Explain that participating borrowers should monitor official mail, email and text messages from Credit Acceptance or the settlement administrator.
* Tell clients not to stop paying, file a false dispute or assume eligibility without written confirmation.
* For confirmed covered accounts, review all three credit reports after relief is processed and dispute only if the promised update or deletion does not appear.
* Clarify that the tradeline relief is required by this particular proposed judgment; it is not a universal repossession-deletion rule.
* Warn consumers not to pay anyone who claims they can “enroll” them or guarantee settlement relief.

No other consequential changes identified

No additional binding CFPB or FCRA rule, material federal credit-reporting guidance or significant related federal court decision was identified since the September 17 briefing.

09/19/2026

💎 Credit Tip 💎

🗣️ Don’t dispute closed accounts in good standing‼️

💎 CLOSED does not automatically mean it’s negative

🚨 A closed account is only negative if:

❌ The account was closed WITH A BALANCE for example charge-offs or repossessions
❌ The account was included in a Bankruptcy
⚠️ The account has an excessive amount of late payments - and even in this case you should dispute the late payments❗️❗️❗️

Other than that, an account showing CLOSED could simply just mean you’ve fulfilled all payment obligations.

💎 Closed accounts in good standing contribute positively to your credit history. Disputing them could remove valuable positive information from your report, potentially lowering your credit score instead of helping it.

💎 I like to make sure I always have a closed installment loan within 3 years old that displays a perfect payment history reporting on my credit profile. I find that it helps with getting other installments at the best interest rates because it shows lenders my repayment patterns.

09/19/2026

🏠 HOUSING HELP 🏠

If you or someone you know is looking for Section 8, Housing Choice Vouchers, public housing, or affordable housing, here are some official resources to check.

⚠️ IMPORTANT: Section 8 applications are FREE. Never pay someone to put you on a waiting list.

━━━━━━━━━━━━━━

🟣 MISSISSIPPI

South Mississippi Housing Authority:
https://www.southmississippihousing.org/apply-online

HUD Mississippi Housing Resources:
https://www.hud.gov/states/mississippi

━━━━━━━━━━━━━━

🤠 TEXAS

Texas Department of Housing & Community Affairs — Section 8:
https://www.tdhca.texas.gov/programs/housing-choice-voucher-section8-housing

Texas Help for Texans:
https://www.tdhca.texas.gov/help-for-texans

HUD Texas Housing Resources:
https://www.hud.gov/states/texas

💡 Texas has different housing authorities for different cities/counties, so check the housing authority for the area where you want to live.

━━━━━━━━━━━━━━

🍑 GEORGIA / ATLANTA

Georgia Department of Community Affairs — Housing Choice Voucher:
https://dca.georgia.gov/housing-choice-voucher/waiting-list

Georgia Project-Based Voucher:
https://dca.georgia.gov/housing-choice-voucher/project-based-voucher-program

Atlanta Housing:
https://www.atlantahousing.org/

━━━━━━━━━━━━━━

🟠 TENNESSEE

Tennessee Housing Development Agency — Housing Choice Voucher:
https://thda.org/help-for-renters/housing-choice-voucher-hcv-wait-list-instructions/

Tennessee Project-Based Voucher Housing:
https://thda.org/help-for-renters/10302-2/

Tennessee Housing Search:
https://www.tnhousingsearch.org/

⭐ Tennessee is especially worth checking because the HCV application shows counties that are currently accepting applications.

━━━━━━━━━━━━━━

🟢 ALABAMA

Alabama Housing Finance Authority:
https://www.ahfa.com/

HUD Alabama Housing Resources:
https://www.hud.gov/states/alabama

━━━━━━━━━━━━━━

🟡 LOUISIANA

Louisiana Housing Corporation:
https://www.lhc.la.gov/

Louisiana Housing Search:
https://www.lahousingsearch.org/

HUD Louisiana Housing Resources:
https://www.hud.gov/states/louisiana

━━━━━━━━━━━━━━

🌴 FLORIDA

Florida Housing Finance Corporation:
https://www.floridahousing.org/

HUD Florida Housing Resources:
https://www.hud.gov/states/florida

━━━━━━━━━━━━━━

🔵 NORTH CAROLINA

North Carolina Housing Finance Agency:
https://www.nchfa.com/

HUD North Carolina Housing Resources:
https://www.hud.gov/states/north-carolina

━━━━━━━━━━━━━━

🩷 SOUTH CAROLINA

South Carolina Housing:
https://schousing.com/

HUD South Carolina Housing Resources:
https://www.hud.gov/states/south-carolina

━━━━━━━━━━━━━━

🟤 ARKANSAS

Arkansas Development Finance Authority:
https://adfa.arkansas.gov/

HUD Arkansas Housing Resources:
https://www.hud.gov/states/arkansas

━━━━━━━━━━━━━━

⭐ NATIONAL HUD RESOURCE

Find a Public Housing Agency:
https://www.hud.gov/housing-counseling

Housing Choice Voucher / Section 8:
https://www.hud.gov/topics/housing_choice_voucher_program_section_8

Find Shelter & Local Housing Resources:
https://www.hud.gov/findshelter

━━━━━━━━━━━━━━

🚨 WATCH OUT FOR SCAMS!

❌ Don’t pay someone to apply for Section 8.

❌ Don’t pay someone to “move you up” a waiting list.

❌ Don’t give your Social Security number or bank information to a random page.

❌ Be careful with websites claiming they can “guarantee” Section 8.

✅ Apply directly through the official housing authority or government website.

❤️ Please share this with a mom, family, or friend who may need housing assistance.

-block-1{height:78px;} a > img { border: 0; } div -contentarea{ margin-top: 0; } body { margin: 0; } html, body, div, span, object, iframe, h1, h2, h3, h4, h5, h6, p, blockquote, pre, abbr,