18/09/2025
🚨 Credit Tip (DIY style) 🚨
Major Key 🔑: First things first… delete those old addresses! Just call the credit bureaus. Easy win.
1️⃣ Student Loans 🎓
Struggling? Call your servicer and ask for an IDR (income-driven repayment) or lower monthly payment. Fell behind? Ask about consolidation to clean it up.
2️⃣ Missed Payments ⏰
These crush your score 😩. Pay on time, always! If you just slipped recently, call your creditor—sometimes they’ll remove that late fee/mark.
3️⃣ Collections 📞
Don’t pay them! That’s basically saying “Yep, it’s mine.” Instead… DISPUTE them. (And don’t forget the major key 🔑).
4️⃣ Credit Card Utilization 💳
Keep it cute—under 20%! Don’t max it out unless you can pay it before the bureaus report it.
5️⃣ Public Records 📝
Check for bankruptcies or other negatives. Get the old address tied to them removed—it helps you dispute them off your report.
