Devin M Davis

Devin M Davis Senior Credit Specialist, Coach, Mentor, Professional Badass, US Marine Veteran Retired.

05/15/2026

Experian vs. Credit Karma?

So here is the deal,

I would delete that Credit Karma APP asap!

Credit Karma is free for a reason.

1. Not accurate information

2. Not a FICO score

3. Don’t have all the information (don’t go back 7 years)

4. Don’t update on a normal basis (especially Equifax)

5. Don’t have Experian inside the credit karma app (which is the most used and most accurate)

so, if you walked into a car dealership and said,

Hey, my Credit Karma score says I’m 710 and I want a car asap!

it is almost laughable, because they will pull your Experian or Equifax or Transunion FICO score and most likely be 620 (true accurate score)

and then you’re driving home with a used 2016 Hyundai Elantra from the dealership because you CREDIT KARMA score is not accurate

because FICO scores are used today by over 90% of top lenders to make lending decisions.

Bottom line- Credit Karma is a FREE tool to see pay history, age and type of credit, percentage of credit limit used and any collection or charge offs if any. On Transunion really!

Maybe that is why it is free.

I would use Myfico or Experian!

We only use Experian or Myfico with our clients.

So, get your Experian credit report and send me the PDF file to me so I can look at your credit report for FREE.

How do I send my PDF file?

Log in Experian (it is FREE) Don’t need to upgrade yet)

click credit report

click print file

save as PDF

and email it back to me to this email with the message.

[email protected]

Please look at my Experian credit for free.



Follow me,

realestate finance creditrepairservices business goodcredit entrepreneur badcredit creditcard tradelines creditcards mortgage debtfree loans debt fixyourcredit fixmycredit realtor businesscredit credittips creditispower personalfinance studentloans crediteducation

05/11/2026

Closing Date vs Due Date?

Super important to protect your credit score and build that relationship with your credit card company at the same time.

So, use this hack to use your credit card and protect your score.

But What Is a Credit Card Closing Date?

A closing date is credit card terminology for the last day of your monthly billing cycle, and when your monthly bill is generated, and your statement closes for that month.

Your statement closing date is also the date that your account’s balance and payment information are transmitted to the major consumer credit bureaus – Experian, Equifax, and TransUnion.

If you balance was $500 dollars on a 1,000-limit card on the closing date, it will get reported on your credit report $500 on that 1,000-limit care toward your credit debt utilization, which is 50 percent, I would keep if under 30 percent.

How do we get around this, to use your cards a lot to build that relationship with your credit card company

Then your will pay down your credit card 3 days before the closing date under 30 percent, so on the closing day shows a low debt and your credit score will not take a hit.

This will help to build that relationship with your credit card and not get a high debt reported on your credit report. And

So, if you are concerned about your credit scores, you may want to pay off as much of your credit card balance as possible before your closing date. And make sure you use your cards for food gas or whatever that will help you get a higher limit.



Follow me,

hardwork investor mindset leadership entrepreneur believe business money millionaire workfromhome fixyourcredit trending reels veteranowned veteran gym motivationalquote goals love creditcard

05/08/2026

What is the best way to apply for a credit card?

The most reasons why I see people getting denied is that they can’t verify who you say you are.

So, in my experience, the best way to apply for a credit card is the following.

1. In person

2, On the phone

3. On your desktop

4. Smart phone.

Interested in improving your credit?

Would you like a better credit card?

We can remove negatives very quickly!

We can remove hard inquiries very quickly!

We can add positive lines on your credit report with an authorized user tradeline.

We have deleted over 1000’s of negative items.

We have the fastest credit repair in the industry!

We can look at your credit report for free.
Experian or myfico, sorry, no credit karma.

If you’re interested, DM “CREDIT” today



Follow me,

financialfreedom money realestate finance creditcard business creditcards badcredit goodcredit entrepreneur tradelines mortgage debtfree credittips fixmycredit crediteducation creditispower loans fixyourcredit debt financialliteracy businesscredit studentloans realtor trending

05/06/2026

Interested in improving your credit?

Would you like a better credit card?

We can remove negatives very quickly!

We can remove hard inquiries very quickly!

We can add positive lines on your credit report with an authorized user tradeline.

We have deleted over 1000’s of negative items.

We have the fastest credit repair in the industry!

We can look at your credit report for free.
Experian or myfico, sorry, no credit karma.

If you’re interested, DM “CREDIT” today



Follow me,

financialfreedom money realestate finance creditcard business creditcards badcredit goodcredit entrepreneur tradelines mortgage debtfree credittips fixmycredit crediteducation creditispower loans fixyourcredit debt financialliteracy businesscredit studentloans realtor trending

04/29/2026

SICK!



Follow me,

motivational inspiration hardwork investor mindset leadership entrepreneur believe business money workfromhome wealth credit creditrepair creditscore fixyourcredit trending reels veteranowned veteran gym cars

04/27/2026

5 credit cards that give high limits!

Which ones did I forget?

financialfreedom money realestate finance creditcard business badcredit creditcards goodcredit entrepreneur tradelines mortgage debtfree fixmycredit crediteducation credittips creditispower fixyourcredit loans studentloans financialliteracy businesscredit debt realtor credithelp

04/24/2026

I believe everyone can be successful in ALL areas of their life!

And the definition of success can be different from who you ask.

But I do believe that to be truly successful it includes all of the essential elements below.

Whatever order you choose to place them in, or however you choose to emphasize one more than another, but

I believe you need to include and WORK on all these elements DAILY in your life to enjoy complete success.

I call them the 5F’s of life!

The 5 F’s of life is a MUST for Complete Success!

Faith

Family

Fitness

Finance

Fulfillment

Comment and share with someone who needs to see this.

nevergiveup inspiration hardwork mindset leadership entrepreneur believe business money millionaire workfromhome wealth Oceanside SanDiego california credit creditrepair creditscore fixyourcredit trending reels veteranowned veteran gym fitnessmotivation

04/22/2026

If you’re maxed out on your credit cards,

The first thing I would do is to get a debt consolidation loan.

Here are a few companies

That I recommend.

Lending club
Happy Money
Sofi
Proper
Marcus by Goldman Sach
Discover Personal Loans

And

If you have negatives or

If you need help with your credit.

I can help!

We have the fastest credit repair in the industry!

We can look at your credit report for free.

Experian or myfico, sorry, no credit karma.

If you’re interested, DM “CREDIT” today



Follow me,

hardwork investor mindset leadership entrepreneur believe business money millionaire workfromhome wealth creditrepair creditscore fixyourcredit trending reels veteranowned veteran gym motivationalquote goals love creditcards

04/15/2026

Agree or disagree?



Follow me,

inspiration investor hardwork mindset leadership entrepreneur believe business money millionaire workfromhome wealth credit creditrepair creditscore fixyourcredit trending reels veteranowned veteran gym motivationalquote goals love creditcards

04/06/2026

Use this protocol to prepare your credit report for a home loan mortgage.

1. Get a copy of your credit report
2. Correct all personal information
3. Remove all collections
4. Remove all hard inquiries you got denied for
5. Remove all closed charge offs
6. Pay off all credit cards to zero
7. Pay off car loan if possible
8. Remove late payments if you have 2 or 3

Bonus: add a old tradeline for points

Not sure how to do all that?

I can help!

We can remove negatives very quickly!

We can remove hard inquires very quickly!

We can add positives lines on your credit report with an authorized user tradeline.

We have deleted over 1000’s of negative items.

If interested

I can look at your Experian profile for free.

DM me Credit!

For motivation, credit tips, business tips and to be a badass!

Follow me,

financialfreedom money realestate finance creditcard business badcredit creditcards goodcredit entrepreneur tradelines mortgage debtfree fixmycredit crediteducation credittips creditispower fixyourcredit loans studentloans financialliteracy businesscredit debt realtor credithelp

Address

1930 S Coast Highway #106
Oceanside, CA
92054

Website

Alerts

Be the first to know and let us send you an email when Devin M Davis posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Devin M Davis:

Shortcuts

Share