The Credit Angel Mentor

Credit Knowledge 💎

🗣️ Here's a golden rule: Don’t rush to dispute closed accounts, especially if they're in good standing! 💎

💡 Just because an account is closed doesn't mean it's automatically negative. In fact, closed accounts can actually boost your credit if they're handled responsibly.

🚨 When is a closed account a red flag?
❌ If it was closed with a balance, like charge-offs or repossessions.
❌ If it was part of a bankruptcy.
⚠️ If it has a bunch of late payments - but even then, disputing those late payments might be the better move!

✅ Closed accounts in good standing are a sign of financial responsibility and can improve your credit history. Disputing them might accidentally remove valuable positive info, harming your score instead.

✅ Pro tip: Keep a closed installment loan with a perfect payment history within the last 3 years. It showcases your repayment habits and can help secure better rates on future loans!

Dropping Credit 💎
Grow Credit
Apply Link: https://www.growcredit.com
💎 It’s An Unsecured Credit Subscription Service In Which You’re Given A Monthly Credit Limit To Pay Your Subscriptions
💎 Can Be Used On Apps Like Amazon Prime, Netflix, Hulu, and Other Apps
💎 Reports To All 3 Credit Bureaus

Dropping Credit 💎
EXTRA Debit/Credit Card
Apply Link: https://www.extra.app/application...
Extra is the first debit card that builds your credit history and earns reward points just like a credit card all with your existing bank account.
💎The Extra Difference
💎Build your credit (without debt)
💎Keep your bank account
💎No interest charges or surprises
💎$8 Basic Or $12 Rewards Membership
💎Redeem Points For Rewards
💎Reports To Equifax & Experian Reports
How does Extra work exactly?
1. You sign up by connecting your bank account and are given a spending limit based on your real-time balance with no credit check. �
2. When you swipe your Extra Card, we spot you for that purchase and automatically pay ourselves back the next business day. �
3. At the end of the month, we add up all of your purchases and report them to the credit bureaus as credit-worthy payments. ��And there you have it, debit that builds credit!

Dropping Credit 💎 Apply:
https://deferit.com/en-us/
💎2 Month Free Trial
💎 $14.99 Monthly Subscription
💎Pay Bi-Weekly For 4 Installments
💎Reports To All 3 Credit Bureaus📊
💎Bills That Are Accepted: Utility Bills (Gas, Water, Electricity, Internet, Phone) Along With Rent & Vehicle Registrations
💎 No Late Fees
💎 No Interest Fees

Service Announcement‼️
The 3 Credit Bureaus:
(TransUnion Equifax Experian) have agreed to make changes on reporting medical collection accounts.
💎Paid medical collection debt will no longer be included on consumer credit reports, as of July 1, 2022.
💎The time period before unpaid medical collection debt will appear on a consumer’s report will be increased from six months to one year, also effective July 1, 2022. This change gives consumers more time to work with insurance and/or healthcare providers to address medical collection debt before it appears on credit reports.
💎Medical debt collection accounts under at least $500 will no longer be included on consumer credit reports. This goes into effect the first half of 2023.