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Seriously, we got s**t to do.

💎 Knowledge will take you so many places that will ultimately add to your wallet.

One of the most underrated credit repair strategies actually starts before you remove one single item from your profile.

It's ADDING positive credit, because even if you got every single negative item off, you'd still have no credit. So follow this steps NOW.

I'm telling you what I know. I have personally witnessed the transformations when clients see how different life is with a 750 versus their old 480.

🥂 Cheers in advance to your great credit.

Although any type of credit card is needed to build a proper credit profile, once you get your profile to greatness and can qualify for ANY card; what would your dream card be?

If you do nothing else, you should start adding positive accounts and correcting personal information. Take your credit serious, you might as well 🤷🏾‍♂️

-- Collections HAVE to be removed from your credit report if the collection agency can't provide you the following validation.

✅ An agreement between them and your original creditor showing they have the right to collect the debt on behalf of the original creditor.

✅ Your original contract with the creditor bearing your signature.

✅ Proof of the alleged charges on the original account.

✅ Proof that they as the collection agency are licensed and authorized to practice in your state.

If they can not provide these items after you specifically request them, then they are in VIOLATION of the Fair Debt Collection Practices Act (FDCPA) and are required to delete it from your credit file.

Follow me for more credit tips! 🐐

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