Kenny Johnson

Kenny Johnson 💰 Repair your credit, gain financial literacy
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05/29/2026

A lot of people think hiring a credit repair company automatically fixes everything.



But credit repair is a partnership.



Yes, the goal is to help remove inaccurate, erroneous, or unverifiable negative accounts from your credit report. But your habits still matter at the same time.



For example, let’s say someone has multiple collection accounts removed from their credit report, but they continue maxing out their credit cards afterward. Even with the collections gone, lenders may still deny them because the utilization is too high.



Real credit growth happens when both sides work together:
✅ Negative accounts are addressed
✅ Credit card balances stay low
✅ Payments stay on time



That’s when you put yourself in the best position to actually qualify for approvals and access capital.



💬 Message me "CREDIT" for a free consultation!



A lot of people think they should only bank with one institution forever.In reality, using multiple banks can actually w...
05/29/2026

A lot of people think they should only bank with one institution forever.

In reality, using multiple banks can actually work in your favor, especially if you’re a business owner looking for access to more capital, better relationships, and more lending opportunities.

Different banks offer different products, different approvals, and different ways of evaluating clients. Building relationships with multiple institutions can give you more flexibility instead of relying on just one bank to say yes.

The people who understand how to leverage banking relationships usually put themselves in a much stronger financial position long term.

💬 Message me "CREDIT" for a free consultation!

05/28/2026

Most people apply for credit cards without realizing different banks can pull from different credit bureaus.



For example, one bank may check your TransUnion report, while another may pull from Equifax. That means if you understand which bank checks which bureau, you can sometimes strategically apply without stacking multiple inquiries onto the same report.



This is why knowing how lenders operate matters. A lot of people damage their credit simply because they apply blindly without understanding where the inquiry is actually going.



One smart application strategy can make a huge difference over time.



💬 Message me "CREDIT" for a free consultation!



If you notice late payments on your credit report that you don’t recognize, you have the right to dispute them.When you ...
05/28/2026

If you notice late payments on your credit report that you don’t recognize, you have the right to dispute them.

When you file a dispute with the credit bureaus, the original creditor may be required to verify that the late payments were reported accurately and that the dates tied to those late payments are correct.

A lot of people assume everything on their credit report is automatically accurate, but reporting errors happen more often than most think. That’s why reviewing your reports carefully matters.

Never ignore information you believe may be incorrect.

💬 Message me "CREDIT" for a free consultation!

Most people don’t realize that even opening a chequing account can sometimes place a hard inquiry on your credit report....
05/27/2026

Most people don’t realize that even opening a chequing account can sometimes place a hard inquiry on your credit report.

Some banks run a credit check during the account opening process, especially if overdraft protection or other features are involved. That inquiry can show up on your report and potentially affect your profile temporarily.

One of the smartest things you can do is open the account in person and ask the representative beforehand if a credit pull is required. If possible, request that they avoid running your credit unless absolutely necessary.

Small inquiries may seem harmless, but too many unnecessary ones can add up fast.

💬 Message me "CREDIT" for a free consultation!

05/27/2026

A lot of people think having a collection account means they only have one negative account hurting their credit.



That’s usually not true.



Before a debt becomes a collection account, it normally starts as a charge-off with the original creditor. So if you stopped paying a credit card from a bank like TD, the account may first become delinquent, then charged off, and eventually transferred or sold to a collection company.



That means your credit report could show:
❌ The original charged-off account
❌ The collection account tied to it



This is why collection accounts can have such a heavy impact on your score. There’s usually more damage happening behind the scenes than people realize.



💬 Message me "CREDIT" for a free consultation!



05/26/2026

Already paying a collection company but not sure if they actually own your debt? Stop payments immediately.



Send them a certified letter requesting proof of debt. This is your legal protection.



Once you request proof of debt, the law says they can't collect anything until they provide it to you.



Real proof of debt is the original signed agreement between you and the original creditor. That's it. Not some generic paperwork from the collection company.



If they can't provide the original agreement, you have leverage.



You can request them to delete it from your credit report entirely. Or if they do provide proper documentation and you're comfortable, you can resume payments on your terms.



But never keep paying without knowing who actually owns the debt.



💬 Message me "CREDIT" for a free consultation!



Think your business bankruptcy stays separate from your personal credit? Not always.If you personally guaranteed any of ...
05/26/2026

Think your business bankruptcy stays separate from your personal credit? Not always.

If you personally guaranteed any of that business debt, it follows you.

Lenders will come after you personally if the business can't pay. And that shows up directly on your personal credit report.

This is why so many business owners get blindsided. They assumed the business absorbs everything.

Before you sign any business loan or line of credit, know exactly what you're guaranteeing with your name.

One signature can change everything.

💬 Message me "CREDIT" for a free consultation!

05/25/2026

Most people jump at a fifty percent settlement offer without realizing the collection company already won.



They probably bought that debt for ten percent. So when they offer you fifty percent off, they are still making money off you.



But here's the bigger issue. You don't even know if they legally own that debt.



Pay the wrong company and a new collector can show up later claiming you owe that same debt all over again.



Always verify the debt is properly owned before you pay anything. Then negotiate from a position of power.



And even after a settlement, that collection account still shows on your credit report with a zero balance.



Protect yourself first. Don't just take the deal because it sounds good.



💬 Message me "CREDIT" for a free consultation!



Most people don't realize that once a debt gets sent to collections, you now have two negative accounts hitting your cre...
05/25/2026

Most people don't realize that once a debt gets sent to collections, you now have two negative accounts hitting your credit report.

The original creditor marks the account as a charge-off. Then the collection company adds their own separate entry.

That's double the damage.

If you're behind on a bill, try your best to settle it directly with the original creditor before they send it out.

You'll avoid the collection account entirely and limit the impact on your score.
One negative is always better than two.

💬 Message me "CREDIT" for a free consultation!

05/24/2026

A lot of Canadians are hearing about possible lawsuits involving Equifax and TransUnion and thinking they’re about to receive a huge payout.

Reality is, most class action lawsuits don’t work that way.

These are billion-dollar companies that deal with lawsuits all the time. Even when settlements happen, the average person usually receives a very small amount, not the massive payouts people expect online.

But here’s the important part: situations like this should remind you to actually check your credit reports for inaccuracies. Incorrect balances, outdated accounts, duplicate collections, and reporting errors happen more often than people think.

Whether you dispute on your own or work with a credit repair company, the biggest mistake is ignoring your credit completely.

💬 Message me "CREDIT" for a free consultation!

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