0:00 - Intro 2:11 - Who Is Rasheda Mills 15:02 - Credit repair fundamentals explained 16:39 - Score vs profile breakdown 22:07 - Why Credit Karma misleads people 26:57 - Co-signing risks and family credit traps 31:00 - Correct dispute process using secondary bureaus 37:03 - How collections and charge-offs really work 43:11 - Sweeps, CFPB, student loans, advanced tactics 52:00 - Credit business insights and software tools 56:09 - Money mindset and final takeaways
