09/01/2026
PLEASE BE CAREFUL WHO YOU LISTEN TO ON SOCIAL MEDIA ABOUT CREDIT. đ
Everybody with a page and a Credit Karma account is suddenly a credit expert.
âJust pay it off.â
âJust pay the collection.â
âPay everything you owe and your credit will go up.â
BABY, NO. đ
This client received a letter that LITERALLY says:
âBecause of the age of your debt, LVNV Funding LLC cannot sue you for it, and LVNV Funding LLC cannot report it to any credit reporting agency.â
READ THAT AGAIN.
Imagine blindly listening to somebody on social media screaming âJUST PAY YOUR DEBT!â without first understanding the account, the age of the debt, the statute of limitations, the credit-reporting period, what is actually being reported, and what your rights are.
And THIS is why I laugh when people who have never successfully done this work try to tell me how to do my job. đ
Credit repair is not:
PAY EVERYTHING.
It is:
READ. INVESTIGATE. VERIFY. UNDERSTAND THE LAW. UNDERSTAND THE REPORT. THEN DETERMINE THE APPROPRIATE STRATEGY.
And no, this does NOT mean everybody with an old debt should ignore it. Different debts, states, dates, agreements and circumstances can have different consequences.
But what youâre NOT going to do is give somebody a one-size-fits-all answer when their MONEY and CREDIT are on the line.
I have successfully walked into banks and credit unions and obtained the results I teach my clients to position themselves for.
So respectfullyâŚ
If you havenât successfully done what I do, you canât tell me a FOCK ASS THING about how to do my job. đđ
Unless youâre my mentor, Iâm not taking a masterclass from the comment section.
Some of yâall are leading the flock STRAIGHT TO THE WRONG ANSWER because you learned three credit words on TikTok.
READ THE DOCUMENTS.
That little paragraph at the bottom can change the entire conversation.
Professional Advising Servicesâ˘
Credit education matters because the correct strategy depends on the actual facts of the account not somebodyâs favorite social-media catchphrase.
