Top Tier Score

Beware of collection agencies! If your debt is labeled as a charge off in your credit report and you make a payment, it will restart the debt and lower your credit score .

📍Credit Tip Of The Day 📍

Know when a Debt Collector is crossing the line. Debt collectors have a long history of saying whatever it takes to get a client to agree to pay.

This includes calling you in the middle of the night, threatening to call your boss and get you fired, or even have you thrown in jail.

What most people don't know that it's against the Law for them to do any of those things.

📍CREDIT TIP📍

DON'T AGREE TO PAY
YOUR DEBT COLLECTORS.

There is a statue of limitations before a debt is no longer considered to be “collectible”. If that that period of time has passed, it will no longer show up on your credit report.

However, if you agree to owing the debt or make a payment, they can reset the debt clock and It can go back on your credit report.