MYTH: Paying off a collection will always raise your credit score. TRUTH: Paying a collection can help, but it doesn't automatically increase your score. Many people believe that once a collection is paid, their credit score will instantly jump. The reality? A paid collection can still impact your credit report depending on the account, the scoring model being used, and how the collection is being reported. Instead of focusing only on paying debt, focus on the full picture: ✔️ Verify the debt is accurate ✔️ Check for reporting errors or violations ✔️ Understand your legal options ✔️ Build positive credit alongside cleanup efforts Credit repair isn't just about paying balances—it's about accuracy, compliance, and strategy. The goal isn't just to pay debt. The goal is to build a stronger financial future.

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