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Reaged Debt = Illegal. Here’s How to Spot and Dispute It (FCRA Strategy Inside) Some debt collectors reset the clock on an old debt to keep it on your credit longer.This is called re-aging — and it’s ILLEGAL under the FCRA. The Fair Credit Reporting Act (Section 605) prohibits reporting accounts beyond 7 years from the Date of First Delinquency (DOFD). If a charge-off or collection is reporting a new date to look fresh, you can dispute and demand removal. 🔥 ⚠️ What is Re-Aging? Re-aging is when a creditor or collector falsely updates the “Date Opened” or “Date of Last Activity” to make an old account look new — keeping it on your credit report longer than legally allowed. ✅ Legal Rule:Negative accounts must be removed 7 years from the original delinquency — not from when it was sold or transferred. 🔍 How to Spot Reaged Accounts: Check your credit report and look for: ❌ “Date Opened” AFTER the charge-off❌ “Last Activity” months or years after you defaulted❌ Accounts that should’ve fallen off still showing❌ Same account showing multiple times with different dates Use the DOFD (Date of First Delinquency) as your anchor. ✍️ What to Do Next: ✅ Step 1: Pull All 3 Reports Get a copy of your Experian, Equifax, and TransUnion reports:👉 https://www.annualcreditreport.com ✅ Step 2: Highlight Suspicious Dates Use a highlighter or tracker sheet to flag: - “Date Opened” - “Date of Last Payment” - “Date of First Delinquency” - “Estimated Removal Date” ✅ Step 3: Send a Re-Aged Debt Dispute Letter Demand deletion for FCRA violation if they updated the dates illegally. Include: - Your ID + proof of address - Copy of the report showing the issue - Dispute letter citing FCRA Section 605(c) 💥 FCRA Violation = Leverage If they don’t correct or remove it, you can: - Escalate to the CFPB - File a complaint with your state attorney general - Take action under 15 U.S.C. §1681n Reaged Debt Dispute Letter Template Send this to the credit bureaus AND optionally to the furnisher (original creditor or collector).

3 websites that pay Notaries $150+ to take photos of houses🤳🏠🤑 Banks, lenders, and investors need people in the field to verify property conditions and notaries are perfect for the job because you’re already mobile, certified, and detail-oriented. Here are a few companies that pay notaries to take property photos👇 1️⃣ WeGoLook 2️⃣ SoFi Field Services 3️⃣ Safeguard Properties

No Credit Cards? No Problem. Here’s How to Build Credit in 2026 Without a Single Swipe 💳 Not everyone wants to use credit cards — and honestly, you don’t have to. Thanks to newer fintech tools, utility reporting programs, and credit-builder accounts, you can build your credit score from scratch without touching a single card. Here’s how 👇 💡 1. Use Rent Reporting Services Add 12–24 months of rent history to your credit report ✅ Works for tenants, roommates, and even folks renting from family ✅ Most report to TransUnion, Equifax, and/or Experian ✅ Boosts average age of accounts and payment history Top Tools: - Rental Kharma – https://rentalkharma.com - BoomPay – https://www.boompay.app - Self-Reporting Through Experian RentBureau 💡 2. Report Your Bills to the Bureaus Streaming, phone, utilities = now reportable! ✅ Report Netflix, Hulu, phone, water, gas, electric ✅ No credit check required ✅ Helps those with thin or no file Top Tools: - Experian Boost – https://www.experian.com/boost - Grow Credit – https://www.growcredit.com 💡 3. Installment Accounts That Don’t Require Credit Checks Build payment history with credit builder loans and savings programs ✅ No credit pull ✅ Reports monthly like a loan ✅ Increases credit mix & on-time payment history Top Tools: - Self Lender – https://www.self.inc - Kovo – https://www.kovo.com - CreditStrong – https://www.creditstrong.com 💡 4. Add Authorized User Tradelines Get added to someone’s card as an “authorized user” ✅ Their age & payment history help you ✅ You don’t need the actual card ✅ Choose only someone with perfect payment history & low utilization 🛑 Never piggyback on accounts with high balances or late payments. 💡 5. Use Alternative Credit Bureaus to Build a Foundation ✅ Freeze or pull reports from:

Blessed morning, Wishing you a gentle start to today. Move at your own pace, listen to your body, and take only what today allows. Whether you’re here to build, to learn, to ask for help, or simply to rest—you belong here. May today bring you calm moments, small wins, and the reminder that progress looks different for everyone 💛 We’re glad you’re here.