c0moneyman

Wassup y’all, I went through a rough patch in my life when I was 18 and overcharged the freak out of a kohls charge card and it went into collections. I paid it off and now i’m thinking🤔, how can i get that removed off my report since i paid it off. I know i should’ve tried to write a letter to them saying if i pay it off they’ll knock it off my credit but i wasn’t thinking back then. Is it to late to contact them and ask to get it removed if possible? Im not tryna wait 7 years i’m trying to get a house next year y’all.

@cv91915 Now that’s what i needed, great example! That helped me understand that credit game a lil hit more, and yes I do have a stain on my credit, something that went to collections that i paid off and i’m looking in the future to get it removed since i paid it off.

@centex and this method should eventually increase my score, if done right?

@centex so don’t add another secured card? and when is the best time to pay when I have a balance that’s due or when my statement is updated?

My new strategy for increasing my credit score is to use 2 secured credit cards for my expenses though-out the month and use my checking account to pay for the cards when the due date comes. I want to stop using cash and use credit, so it can grow! Now, i’m getting stuck on when to 1. actually use my cards during the month 2. whens the best optimal time to pay back from my understandings i need to pay when i have a balance due (Due date is the 18th) and not the current balance, so that they can see i’m using my card, is that right? Or pay when the new statement comes out (21st of each month is when I get a new statement in my bank app). I just don’t want to be spinning my wheels thinking i’m doing this right, and my credit remains to same, i’m trying to get this new house ya’ll. Also i hear that some people pay multiple times throughout the month why is that, and the benefit?