Qwandalyn

08/07/2025

Goodmorning yall don’t drop them kids off in no pj and a bonnet and put a bra on

07/16/2025

Be my peace not my pressure

07/16/2025

Goodmorning let’s engage and grow

07/16/2025

Shout out to my newest followers! Excited to have you onboard!

GH Tae, Eddìè Boyd

07/16/2025

How I sleep knowing people don’t like me

07/11/2025

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# # # 🧽 Interesting Facts About Cleaning Your Credit

1. **You Can Remove Legitimate Items (Sometimes)**
Even accurate negatives like late payments can be removed with a *goodwill letter* or a *pay-for-delete* agreement (mainly with collections).

2. **Late Payments Hurt Most After 30 Days**
Late under 30 days? Probably won’t be reported. After that, each 30-day mark (30, 60, 90…) damages your score more—and stays for up to 7 years.

3. **Disputing Errors Can Boost Your Score Fast**
Removing just one major error (like a duplicate debt or false collection) can raise your score by **50–100+ points** quickly.

4. **Old Debts Don’t Hurt Forever**

* Most negative items: fall off after **7 years**
* Chapter 7 bankruptcy: **10 years**
Cleaning your credit often means *monitoring and waiting*.

5. **Paying Collections Doesn’t Always Help Immediately**
Paid collections may still show up—unless you request a deletion. But newer scoring models like FICO 9 and VantageScore 3.0+ ignore paid collections.

6. **Credit Utilization Makes Up \~30% of Your Score**
Using more than 30% of your available credit lowers your score—even with perfect payment history. Lower balances = quick boost.

7. **“Piggybacking” Can Add Good Credit History**
Being added as an *authorized user* on a responsible person’s card can improve your score—without using the card yourself.

8. **Hard Inquiries Are Minor and Temporary**
Each credit check drops your score only **5–10 points**, and the impact fades after **12 months**.

9. **You’re Entitled to Free Credit Reports**
Visit **AnnualCreditReport.com** for a free report from all 3 bureaus. Since 2020, you can even get **weekly reports** for free.

10. **Credit Repair Companies Can’t Do Anything You Can’t**
You can dispute errors, request deletions, and negotiate debts all by yourself—for free.

✅ **Bonus:** Good credit = lower rates, cheaper insurance, smaller deposits, and even better job prospects.

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💡 Want to clean up your credit? Start with:

* Disputing errors
* Paying down cards
* Asking for deletions
* Monitoring your reports monthly

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Let me know if you'd like this in a PDF, social media graphic, or checklist format too!

ACR Home Page

07/11/2025

This is how I feel when I constantly get spam calls

07/11/2025

Brunch you say

07/11/2025

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07/11/2025

03/02/2024

Flawless ゚viralシ

01/30/2024

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