💥 Wait… paying a collection can LOWER your credit score? Yes — and here’s why: When you pay an old collection, it can update the “last activity” date, making it look more recent and more impactful. That’s why it’s crucial to know when (and how) to pay — not just if you should. #CreditTips #CollectionAccounts #CreditScoreDrop #FixYourCredit #SmartMoney #CreditFacts | Jeremy.Credit
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Let’s chat about your credit report real quick: Ever wondered what happens with charged off accounts vs. collections? Well, here’s the scoop: Charged off accounts stick around, but collections? That’s a different story. See, when a collection agency, like Midland, enters the scene without a direct contract, it’s not considered a trade line. So, no contract, no payment history, plain and simple. It’s actually illegal for them to use your previous creditor’s payment history. Crazy, right? And with
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