How do I even begin my llc I do a lot of masonry n concrete on the side I wanna be legit cuz I’ve missed out on a lot of money cuz some customers I want the legit shit on paper

wassgood fam. droppin a real one for u today 🔋 most yall finally got the money to clean up a old collection. so u call em. they say we'll take half. u pay it. u feel good. but u just made a move that can look WORSE to a lender than leavin it alone. heres why. heres the deal. when u settle a collection for less than the full balance. it dont just vanish. it reports wit a status that say "settled" or "paid. settled for less than full amount." that one word. settled. is a flag. it tell every lender that pull u that u owed money n didnt pay all of it. why this matter so much. for ur actual SCORE it might not move much. the newer models. fico 9. fico 10. vantage 4. they ignore a collection once its sittin at a zero balance. paid or settled. dont matter to them. BUT heres the catch most yall miss. the older fico 8 that damn near every credit card lender STILL pulls. it dont care if u paid it. the collection bein THERE at all is the ding. payin it dont erase it off fico 8. n it get worse when u go for real money. a mortgage. a auto. them lenders got a human bein readin ur file by hand. thats called manual underwritin. when they peep "settled for less" they read it as. this person dont pay what they owe in full. that can cost u the approval or bump ur rate even wit a clean score. so heres the play. NEVER send a collector a dollar til u got the deal in writin first. on they letterhead. signed. first. always ask for a pay for delete BEFORE u talk numbers. tell em. i'll pay this but only if u DELETE it off all 3 bureaus. not mark it paid. DELETE it. a deleted account cant hurt u on no model. old or new. thats the cleanest exit there is. second. they wont delete. now u negotiate the STATUS. tell em if u payin. it gotta report "paid in full." not "settled." that one word swap save u when a underwriter readin ur file by hand later. third. dont EVER pay off a verbal promise. if it aint on paper signed by them. it didnt happen. collectors flip the script all the time. u pay. then it still report settled. paper protects u.

Never really thought that credit can impact your life so much when all i did was use cash 💰

Yo the team never hit me back to make sure they got my info what do I do it’s been around 2 weeks