Let’s talk about collections 👇🏽 A collection is a debt that went unpaid long enough that the original company sent it to a third-party collection agency. That can be: • Old light bill • Phone bill • Medical bill • Credit card • Anything showing as “in collections” with a balance Even a small $100 collection can drop a score 20+ points. But here’s what I need you to understand: Paying it does NOT automatically fix your score. And removing everything is NOT always smart either. Before touching a collection, you should ask: ✔️ Is it accurate? ✔️ Is the balance correct? ✔️ Is it still within reporting time? ✔️ Will they delete it if paid? Credit rehab is strategy — not emotion. For today’s action: Go pull your full report and list every account showing “collection.” Write down the balance and the date opened. Awareness first. Strategy next. 💳🔥

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Hey y’all — we had our kickoff call yesterday, and I’m gonna be real… turnout was low. This is a working challenge, not a sit-back-and-watch situation. Going forward, inactive members will eventually be removed from the community. I want people in here who are serious about fixing their credit and doing the work. If you missed the call, no worries at all — I’ll be dropping the replay in the community soon, so make sure you go back and catch it. Also, I need to make sure everyone has their credit monitoring set up. That’s non-negotiable for this challenge. I’ll be dropping the link in the comments — if you don’t have monitoring yet, get that done ASAP. Let’s lock in. These 30 days matter.

How many of y’all got your homework done?

I hope everybody woke up grateful for another day and another chance to keep moving forward. Recovery ain’t just about staying clean, it’s about rebuilding your whole life piece by piece, including your finances. A lot of the stress people relapse over comes from money problems, bad credit, and feeling stuck, so we don’t skip this part. Quick check in for the group. How many of y’all have already signed up for your credit monitoring? This isn’t about judging where you’re at. It’s about knowing your numbers so you can actually make a plan. You can’t fix what you refuse to look at. If you already got your monitoring set up, drop a yes so we can celebrate that win with you. If you haven’t done it yet, say not yet. No shame, no lectures. We just want to know who needs help getting started. Small steps done consistently turn into big changes. Stay focused today, stay honest, and keep doing the work even when it feels uncomfortable. Proud of everybody showing up and choosing better.