Kenny Johnson

Kenny Johnson 💰 Repair your credit, gain financial literacy
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09/17/2026

Who’s my ideal client?

Probably the person watching this 😂

If you’ve got questions about your credit and you’re tired of getting five different answers from five different people, we should probably talk.

Book a free call through the link in bio.

A lot of people ask, “What is the best credit card?”That is usually the wrong question.A card can look great on paper an...
09/17/2026

A lot of people ask, “What is the best credit card?”

That is usually the wrong question.

A card can look great on paper and still be a bad fit for you.

Maybe the rewards are strong, but the interest is high.

Maybe the annual fee is worth it for one person and completely pointless for another.

Maybe you travel a lot.

Maybe you just want something simple.

The card only makes sense if it matches the way you actually spend, borrow, and pay.

That is why I would look at your habits before I look at the hype.

Comment “CREDIT” and let’s see if KJU may be able to help with your situation.

09/16/2026

That moment you’re ready to leave…

then remember nobody is coming to take over your shift 😂

09/15/2026

Business will humble you.

You can have a terrible day, say you’re done with everything…

and somehow still show up the next morning 😂

Getting approved can feel like a win.But before you take the credit, look past the word approved.Can you comfortably han...
09/15/2026

Getting approved can feel like a win.

But before you take the credit, look past the word approved.

Can you comfortably handle the payment?
Does the interest rate make sense?
Do you actually need the credit?

A lender saying yes does not automatically mean you should say yes too.

Book a free call through the link in bio.

Sometimes we keep blaming the situation because it is easier than admitting we have been repeating the same pattern.Same...
09/14/2026

Sometimes we keep blaming the situation because it is easier than admitting we have been repeating the same pattern.

Same reaction.
Same excuse.
Same decision.
Same result.

And then we wonder why nothing changes.

This is not about being hard on yourself. It is about being honest enough to notice when something has become a habit.

Maybe you keep putting things off until they become urgent.

Maybe you keep saying yes when you really mean no.

Maybe you keep spending money you already know you should not spend.

Maybe you keep going back to people, places, or situations that leave you feeling the exact same way every time.

At some point, you have to stop asking, “Why does this keep happening to me?”

And start asking, “What am I doing repeatedly that keeps bringing me back here?”

That question can be uncomfortable.

But it can also be the beginning of changing something for real.

You do not need to fix your whole life overnight.

Just stop feeding the habit that keeps creating the same problem.

09/14/2026

Not every stressful day needs a motivational speech.

Sometimes you just remember:

The work still has to get done.

And nobody else is coming to pay the bills 😂

09/13/2026

Slow month got everybody acting a little dramatic 😂

A five-year-old collection can make people think the answer is obvious.“It’s old. Leave it.”Or:“Just pay it and move on....
09/13/2026

A five-year-old collection can make people think the answer is obvious.

“It’s old. Leave it.”

Or:

“Just pay it and move on.”

But five years old by itself does not tell you enough.

I would want to know what province you are in, whether the account is still reporting, who owns the debt now, and what your actual goal is.

Are you trying to get approved for a car? A mortgage? Clean up the report? Deal with an active collector?

That changes the conversation.

Paying a collection and removing a collection are not automatically the same thing.

So do not make the decision based only on age.

Comment “CREDIT” and we’ll send you the free KJU 5-Minute Credit Report Check.

09/12/2026

A lot of people say they want a better credit score.

But then they keep doing the exact things that make the file harder to improve.

Checking the score every morning is not a strategy.

Applying again right after a denial is not a strategy.

Maxing out a card and hoping to fix it later is not a strategy.

The better approach is usually much less exciting:

Pay on time. Keep balances manageable. Check what is reporting. Be careful with new credit.

Book a free consultation through the link in bio.

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Montreal, QC

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