Some of the things I’ve learned while being here!

• Checking your own credit does not hurt your score

• Paying a collection doesn’t always remove it

• You can have three different credit scores at the same time

• High balances can hurt your score even if you pay on time

• Late payments hurt less as they get older

• Credit repair is a process, not a one-time fix

• Closing old accounts can actually lower your score

• Some negative items can stay on your report for 7+ years

• Not all lenders report to all three bureaus

• Your credit report matters more than your credit score

• Disputes must be done per credit bureau

• You don’t need perfect credit to get approved just smart habits

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