Let me break this down clearly because these words confuse people and lenders do not interpret them the same way. This is why education matters. CLOSED A closed account is not bad by default. What it means The account is no longer active. Either you closed it, the lender closed it, or it was closed after payoff. What lenders see The history still reports. Late payments still count. Balances can still hurt utilization if money is owed. Closed does not mean removed. Closed does not mean forgiven. Closed still impacts your score. CHARGED OFF This is negative and serious. What it means The lender has given up on collecting internally and marked it as a loss after nonpayment. What lenders see High risk. Major delinquency. Often paired with collections or lawsuits. You still owe the debt. Interest can still grow. It damages credit heavily until resolved properly. DELETED This is the goal in credit repair. What it means The account was removed from your credit report entirely because it could not be verified or was reported inaccurately. What lenders see Nothing. It no longer exists on your report. Deleted is the only status that truly helps credit scores immediately. Settled and paid do not compare to deleted. DISCHARGED This is legal relief, not credit repair. What it means The debt is legally eliminated through bankruptcy or a qualifying discharge process. What lenders see Debt is no longer collectible but the record can still report for years depending on type. Discharged does not automatically improve your score. It removes obligation, not history. The real lesson Most people chase paid Smart people chase deleted Elite strategy uses the right resolution for the right debt This is why you cannot Google your way through credit. This is why due diligence matters. This is why results look different when strategy is applied correctly. There is no such thing as problems, only solutions

Heyyy!!! I haven't been active in a few weeks. But I have been looking and reading as stuff been post! I'm about to start back get active! I have already made my budget plan for 2k26! I don't have any goal per say! Just a complete change in my whole life!!! Add a lot more structure to my household!!! Moving with intention!!!!

So I decided that for the next 30 days I would clear the air. I told my family that I have broken away from their Southern Baptist beliefs and turned to spirituality. Now coming from a “church” family I’m not sold on certain beliefs. I got tired of lying about why I have changed certain things about myself or why I do certain things so I had to clear the air. I reflected on my “church” family and it seems that they move off fear. As for me I’m not scared of anything I can or can’t see. I’m shifting my mind and setting my own tone. Yes I love God I just can’t get with the religion. Now, this had to be done. I shit y’all not after I had this conversation my voice cleared and I received an email I had been waiting weeks to receive. Listen, we really have to let some stuff go to let some stuff in. Just know QueenLeoStylze can now be seen publicly on YELP and I can receive communication directly from businesses lead off their site.

Access denied!!!! This here blessed me!!!! https://www.tiktok.com/t/ZTMQRh1C9/

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