Every point on this arc came from a letter you wrote, a balance you moved, or a habit you kept. Nobody repaired this for you. You did.
You are at 31% and the scoring model rewards you hard under 29%, harder under 10%. Moving $180 onto that Capital One balance before the statement date could clear the 670 milestone without a single letter.
Every dispute you send gets tracked here like certified mail, because that is exactly what it is. The bureaus have 30 days to answer. The clock is your friend.
That old medical collection under $500 should not be on your report at all under the new rules. Lesson 6 has the exact letter, fill in your details and mail it Monday.
Tasha's playbook runs in sequence because credit repair is a paper trail, and paper trails have an order. Finish a step, unlock the next.