Sam Correia

Even if it's a one 30 day late. It happens, you mess up, or you mess up the time. It happens, right? It's like, because if you wanna be very technical, right? You have the 30 days to pay, then you have a whole 30 day before they've reported late. Not saying do this, not saying you have 60 days, but if you wanna be very technical, you do. But once you, but your goal is to always pay on time.

Even if it's a one 30 day late. It happens, you mess up, or you mess up the time. It happens, right? It's like, because if you wanna be very technical, right? You have the 30 days to pay, then you have a whole 30 day before they've reported late. Not saying do this, not saying you have 60 days, but if you wanna be very technical, you do. But once you, but your goal is to always pay on time.

Even if it's a one 30 day late. It happens, you mess up, or you mess up the time. It happens, right? It's like, because if you wanna be very technical, right? You have the 30 days to pay, then you have a whole 30 day before they've reported late. Not saying do this, not saying you have 60 days, but if you wanna be very technical, you do. But once you, but your goal is to always pay on time.

When you get there, right? Like, on the 30th day, they report it to the agency, even that morning. You could call that day. It's like, it's been reported. I've seen that happen. Wow. So late pays are very hard. Why? Because the account is open. So it's your account, and it's open, and now it's late. And late payments, by the way, guys, is 35% of your credit profile. Wow.

When you get there, right? Like, on the 30th day, they report it to the agency, even that morning. You could call that day. It's like, it's been reported. I've seen that happen. Wow. So late pays are very hard. Why? Because the account is open. So it's your account, and it's open, and now it's late. And late payments, by the way, guys, is 35% of your credit profile. Wow.

When you get there, right? Like, on the 30th day, they report it to the agency, even that morning. You could call that day. It's like, it's been reported. I've seen that happen. Wow. So late pays are very hard. Why? Because the account is open. So it's your account, and it's open, and now it's late. And late payments, by the way, guys, is 35% of your credit profile. Wow.

The next big one is utilization. It's 30% of your credit profile. And then it's collection. That's 10%. So a collection, which is horrible, is 10%, while a late payment's 35 of your whole credit profile. So I've seen scores of 770, 780, go down to the 605 from one late. Wow. Wow. Ridiculous thing like that.

The next big one is utilization. It's 30% of your credit profile. And then it's collection. That's 10%. So a collection, which is horrible, is 10%, while a late payment's 35 of your whole credit profile. So I've seen scores of 770, 780, go down to the 605 from one late. Wow. Wow. Ridiculous thing like that.

The next big one is utilization. It's 30% of your credit profile. And then it's collection. That's 10%. So a collection, which is horrible, is 10%, while a late payment's 35 of your whole credit profile. So I've seen scores of 770, 780, go down to the 605 from one late. Wow. Wow. Ridiculous thing like that.

So those two things in check, you're good. If you have a collection, they're easier to remove because a collection is debt that's been sold off. Got it. Technically in this country that should not be sold because that has no value So how do you sell something with no value? So you can kind of hit them with a little bit of consumer law You know what? I mean, but that's still yours.

So those two things in check, you're good. If you have a collection, they're easier to remove because a collection is debt that's been sold off. Got it. Technically in this country that should not be sold because that has no value So how do you sell something with no value? So you can kind of hit them with a little bit of consumer law You know what? I mean, but that's still yours.

So those two things in check, you're good. If you have a collection, they're easier to remove because a collection is debt that's been sold off. Got it. Technically in this country that should not be sold because that has no value So how do you sell something with no value? So you can kind of hit them with a little bit of consumer law You know what? I mean, but that's still yours.

So don't let these guys tell you Oh, it's collection that that's not yours that that will always be yours because it's in their system until it's purged out Which is years of purging not the seven years like credit like credit bureaus in chase They'll know for 15 20 years are gonna know and we just went through this experience with a client right now as we speak Wow Yeah, so very important

So don't let these guys tell you Oh, it's collection that that's not yours that that will always be yours because it's in their system until it's purged out Which is years of purging not the seven years like credit like credit bureaus in chase They'll know for 15 20 years are gonna know and we just went through this experience with a client right now as we speak Wow Yeah, so very important

So don't let these guys tell you Oh, it's collection that that's not yours that that will always be yours because it's in their system until it's purged out Which is years of purging not the seven years like credit like credit bureaus in chase They'll know for 15 20 years are gonna know and we just went through this experience with a client right now as we speak Wow Yeah, so very important

Um, so again, courses, great courses, not so great courses, um, you know, investing into some mentors, you know, guiding me and 2020, um, I got into the 75 hard. So I was like, you know, instead of 10 pages of nonsense, I'm gonna read, which you shouldn't read nonsense. Cause he says, try to motivational and growth. I started reading, um, consumer law a lot. So I got deep into it.

Um, so again, courses, great courses, not so great courses, um, you know, investing into some mentors, you know, guiding me and 2020, um, I got into the 75 hard. So I was like, you know, instead of 10 pages of nonsense, I'm gonna read, which you shouldn't read nonsense. Cause he says, try to motivational and growth. I started reading, um, consumer law a lot. So I got deep into it.

Um, so again, courses, great courses, not so great courses, um, you know, investing into some mentors, you know, guiding me and 2020, um, I got into the 75 hard. So I was like, you know, instead of 10 pages of nonsense, I'm gonna read, which you shouldn't read nonsense. Cause he says, try to motivational and growth. I started reading, um, consumer law a lot. So I got deep into it.

You know, I was like, I'm about to be a lawyer now, you know? I got as deep as possible into consumer law and just started learning. I'm like, okay, so they could do this, but I can do this to loophole this. Right.

You know, I was like, I'm about to be a lawyer now, you know? I got as deep as possible into consumer law and just started learning. I'm like, okay, so they could do this, but I can do this to loophole this. Right.