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. 💳🔥