I wanna learn how to fix my credit. I have no collections and most of my accounts are negative due to the fact they are closed accounts from charged off’s!

Tiffany Dixon class for credit trying to find am lost

𝗘𝘅𝗰𝗲𝗹𝗹𝗲𝗻𝘁/𝗘𝘅𝗰𝗲𝗽𝘁𝗶𝗼𝗻𝗮𝗹: FICO: 800–850 VantageScore: 781–850 𝗩𝗲𝗿𝘆 𝗚𝗼𝗼𝗱/𝗚𝗼𝗼𝗱: FICO: 740–799 VantageScore: 661–780 𝗚𝗼𝗼𝗱/𝗙𝗮𝗶𝗿: FICO: 670–739 VantageScore: 601–660 𝗙𝗮𝗶𝗿/𝗣𝗼𝗼𝗿: FICO: 580–669 VantageScore: 500–600 𝗣𝗼𝗼𝗿/𝗩𝗲𝗿𝘆 𝗣𝗼𝗼𝗿: FICO: 300–579 VantageScore: 300–499

Hey y'all

The **due date** is when you must pay at least the minimum amount to avoid late fees and keep a positive payment history. The **reporting date** (or statement closing date) is when your credit card issuer reports your balance to credit bureaus, affecting your credit utilization and score. To manage credit well: - Pay before the **due date** to avoid penalties. - Pay down your balance before the **reporting date** for lower utilization. Reporting date is usually 3 days after due date slay the day fam