07/25/2024
Credit Repair is NOT an overnight fix. There are no shortcuts to fixing the YEARS of mistakes you’ve made. Collections, bankruptcies, judgements & any other derogatory items all have to go through a process which takes at LEAST 30 business days! Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days
❇️DON’T rush the process
In the meantime:📓📊
✅Avoid co-signing for anyone(if possible)
✅Keep credit cards utilization under 30% but shoot for 5-10% if possible
✅Avoid late payments
✅Do NOT pay collection agencies
✅Do NOT talk with collection agencies over the phone quickly say “send what you have to the address on file”
