I call this the Hail Mary‼️🤯 (read👇🏽👇🏽) What If you have a 550 credit score and $20,000 in debt, other than an authorized user, what can make speed up the process to get to the 700’s or 800’s scores? You’re going to use OPC, Other People's Credit! Mother, brother, uncle, or your ex 😂 Hopefully they have good credit and they're willing to temporarily apply for a personal loan under their credit in order for you to transfer your debt to their personal. That's going to help improve your score. Now you can go get a personal loan in your name and then transfer that debt back to you. That's the Hail Mary. One option, you consolidate your credit card debt onto a personal loan. If you have a $20,000 in credit card debt, that means your credit usage is high, right? That's why your score is low. The balance or debt on your personal loans do not calculate into your credit usage. So if you use a personal loan and pay off your credit card debt, your credit usage will drop and your score will increase. Maybe you can't get approved for a personal loan because you have too much debt. What can you do now? Try the Hail Mary! DM “Xelerator” if you don’t wanna fix your own credit and rather have my team I do it all for you! #creditcarddebt #debt #debtfree #creditscores #creditscoretips #creditcardtips #creditrepairtips #credittips #creditscoreincrease #creditcards #creditallegiant #funnyleonidas