Got Credit?

28/04/2026

Over the last 16 years working in credit, I’ve realized something that most people don’t talk about enough…

It’s not just about fixing your credit.

It’s about actually knowing what’s going on with it at all times.

And the truth is… most people don’t.

I can’t tell you how many conversations I’ve had where someone says, “I thought everything was fine,” and then we pull their report and there’s a collection account, a late payment, or something reporting incorrectly that they had no idea about.

Not because they didn’t care…
But because they weren’t consistently looking at the right information.

Here’s the reality…

Your credit profile is always changing.

- Balances update.
- Accounts report monthly.
- New activity shows up.

And sometimes… things get reported that shouldn’t even be there.

If you’re only checking your credit once in a while, or relying on limited information from random apps, you’re basically operating blind.

And when you finally need your credit… for a house, a car, or business funding… now you’re reacting instead of being prepared.

That’s why I always tell people… awareness comes first.

Before you fix anything.
Before you build anything.
You need to be able to see what’s actually happening.

That’s one of the reasons I personally use tools like IdentityIQ.

It allows you to access your credit information in one place and stay on top of changes as they happen.

No guessing.
No waiting until it’s too late.
Just having visibility so you can make better decisions.

And when I’m working with clients, this becomes a big part of the process.

Because while I’m helping them clean things up… they also need to understand what’s happening in real time.

When something updates, we can address it.
When something looks off, we can review it.
When progress is made, they can actually see it.

That level of awareness changes everything.

If you’ve never really taken the time to consistently review your credit… or you’re not sure what’s actually being reported right now… this is something you should start paying attention to.

If you want to check out what I personally use, I’ll leave a link below so you can take a look and see if it makes sense for you.

At the end of the day, nobody is going to care about your credit more than you.

The more you understand it… the better position you’ll be in.

28/04/2026

Credit repair, improving your credit score, and getting approved starts with not letting your current situation define you.

Too many people look at their credit score today…
and convince themselves they’re stuck.

Denied before they even apply.
Hesitant before they even try.
Holding themselves back before anyone else does.

But your current score is not your final score.

We’ve seen it over and over again…

Clients come in discouraged…
Unsure if anything can change…
And within months, they’re getting approvals they never thought were possible.

That’s what happens when you stop focusing on where you are…
and start working on where you’re going.

Your credit can be fixed.
Your profile can be rebuilt.
Your opportunities can change.

You just have to take that first step.

If you’re ready to stop letting your score hold you back, www.gotcredit.com and I’ll send you the information to get started.

15/02/2026

Building business credit isn’t one size fits all.

And it’s definitely not just opening a bunch of Net 30 accounts.

If you’re spending $500 or $1,000 a month on Net 30s
but you don’t have revenue coming in yet
you have to ask yourself a real question

What am I building this credit for?

Net 30s matter.
They’re part of the process.
But they’re not the whole strategy.

The mistake I see all the time
is people overextending themselves
stacking accounts
with no real use for them
and no cash flow to support them.

That’s how businesses get stressed
late payments happen
and LLCs shut down before they even get traction.

Action steps:
• Only open Net 30s you’ll actually use
• Match credit to your revenue, not your ego
• Don’t build credit just to say you have it
• Build credit to support growth, payroll, and real expenses

Business credit should help your business breathe.
Not choke it.

05/02/2026

https://youtu.be/GL0AN4fiicQ?si=I2vsJ71d7sSCbYS_

Jose Rodriguez, known as The Credit Dude, is the founder of Got Credit?, a nationally trusted credit repair company established in 2010. Over the past 15 yea...

30/12/2025

How does this happen every year? 🤣🤣 January & February gonna be rough. 😬😬

23/12/2025

💳 Tired of feeling stuck because of your credit? We’ve got you.

Our proven credit repair process is designed to help you take control, remove inaccurate items, and build the credit you deserve — without the confusion or stress.

✅ Step-by-step support
✅ Transparent updates
✅ Real results

If you're ready for a fresh start, check out how it all works here 👉 https://www.gotcredit.com/credit-repair

Let’s fix this together. 💪🏽

Credit Repair Program

27/11/2025

Happy Thanksgiving!

This morning, I got one of the messages I love to receive… a client requesting to cancel their membership because we achieved every single result they were hoping for.

No shortcuts.
No magic tricks.
No false promises.

Just patience, discipline, and real work on both ends.

Almost a year in the program…
All three scores are now sitting around the 750 range…
And every negative item was deleted from their reports.

This is what happens when someone locks in, stops fighting the process, and starts changing the habits that put them in credit repair in the first place.

It takes time.
It takes consistency.
It takes accountability.
But it works. Every single time.

And the best part? Their cancellation message wasn’t angry or frustrated. It was full of gratitude, because they knew we helped them get their life back on track:

“I am writing to request cancellation for now. I appreciate everything you’ve done for me, and I’ll be an avid promoter of your service.”

That’s the goal.
Fix your credit once and teach you how to never need us again.

If you’re ready to see results like this…
If you’re tired of living with bad credit…
If you’re serious about making 2026 your year…

Visit www.gotcredit.com, and we’ll take care of you.

Happy Thanksgiving to you and your family.
Let’s finish the year strong.

22/11/2025

Quick question for everyone working on their credit right now…

What’s one thing you wish you understood about credit sooner?

Was it how utilization works?
How late payments hurt your score?
How fast something can tank your credit?
Or even how long it takes to rebuild?

At Got Credit?, we’ve seen thousands of people turn their situations around — and the biggest game-changer always starts with better understanding.

Drop your answer in the comments. 👇
Your response might help someone else who feels stuck right now.

Let’s start a conversation that actually helps people move forward.

20/11/2025

Personal credit is one of the strongest tools you can use to build anything you want in life. Think of it like your very first investor.

When your credit is in good shape, it unlocks access to capital. And that capital helps you get approved for business funding, reinvest in your LLC or side hustle, and even leverage zero percent interest cards to grow without dipping into savings.

When credit is weak, you end up relying on cash… and cash runs out fast. You can’t scale with savings alone.

That’s why fixing your credit isn’t just about scoring better rates. It’s about building your financial reputation and showing the discipline lenders look for.

If someone handed you a $25,000 line of credit today for your business, what would you use it for?

30/10/2025

Checking your credit score regularly can help you avoid mistakes that cost you points and peace of mind

Most people only look at their score when they need something like a loan or a new car
But by then, it’s often too late to fix the issues

Here’s why you should check it often

You can catch errors early
Sometimes a late payment or collection shows up by mistake
The sooner you see it, the faster you can dispute it

You stay aware of changes
Watching your score helps you notice when something impacts it
That awareness keeps you in control

You build better habits
When you see your score move, you understand what helps and what hurts
It turns credit from a mystery into a tool

Knowledge is power
The more you monitor, the stronger your credit becomes

Got Credit teaches you how to track, protect, and grow your score the right way
Comment 850 below and we’ll show you how to stay ahead of the mistakes that hold most people back