Most Americans are quietly bleeding credit score points – not because they're irresponsible… but because they're uninformed.In this jaw-dropping episode of Stacks Over Tax, credit expert Randy Lambeth exposes the lies you've been fed by social media ”gurus,” banks, and even your CPA.He breaks down the 311 Rule – a simple, replicable strategy that can add up to 165 points to your credit score without ever paying a dime of interest. You'll learn how credit cards are scored, why your debit card is a financial landmine, and what actually triggers lenders and insurers to punish you – even if you pay everything ”on time.”If you've ever wondered why you can't get approved, why you're stuck with personal guarantees, or why your premiums are sky-high… this is the episode that explains it all.Time Indexes:00:00 – You never have to pay interest to have great credit01:15 – Welcome + Randy's quick story02:00 – What is the 311 Rule?04:00 – Why 3 major cards is the minimum for max FICO score06:00 – Common mistakes with utilization and due dates08:20 – Reporting date vs due date: why you're getting crushed09:40 – How to find your card's actual report date11:10 – Why FICO doesn't care about your income or net worth14:15 – The hidden cost of having ”poor” credit16:30 – Real-world examples: gas, insurance, and groceries19:45 – Debit card nightmares that lead to bankruptcy22:00 – Entrepreneurs: why you're setting up your accounts wrong24:00 – The autopay trick to building perfect credit effortlessly26:30 – Story: billionaire with a G6 jet hired Randy over a missed payment29:00 – Why fraud protection with debit cards is almost non-existent32:00 – Prepaid cards, limited debit solutions, and how to start35:00 – Final stories and closing creditsWant your credit to actually work for you – not against you?Visit www.executivemoneystrategies.com to start protecting your money, eliminating risk, and building a legacy that doesn't depend on luck or gimmicks.To Find Rondi go to:http://www.rondilambeth.com