Kenny Johnson

Kenny Johnson 💰 Repair your credit, gain financial literacy
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Already making payments to a collection agency? Don't panic.If you've started paying a collection company, that's okay. ...
07/14/2026

Already making payments to a collection agency? Don't panic.

If you've started paying a collection company, that's okay. But once you begin disputing the account, the focus should be on verifying the debt first.

Before making additional payments, make sure the collection agency can provide proper documentation showing the debt is valid and that they have the legal right to collect it.

Knowing your rights and following the proper process can help you make informed decisions throughout your credit journey.

💬 Message me "CREDIT" for a free consultation!

07/14/2026

Think you're winning because you're earning cash back?

Not if you're paying interest every month.

Credit card rewards only make sense when you pay your balance in full. Otherwise, the interest you pay can easily outweigh the value of the points, cash back, or travel perks.

The smartest strategy is simple: stick to a budget, never spend more than you can afford, pay your balance on time, and let the rewards become a bonus, not an excuse to overspend.

💬 Message me "CREDIT" for a free consultation!

07/13/2026

Paying your credit card off early won't unlock a secret boost to your credit score.

That's one of the biggest credit myths online.

What actually matters is keeping your credit utilization low over time. Lenders want to see consistency, not tricks.

Aim to keep your utilization below 10% whenever possible. Building good credit is about strong habits, not perfect timing.

💬 Message me "CREDIT" for a free consultation!

Just because a collection agency calls you doesn't mean you have to pick up.There is no rule that says you must communic...
07/13/2026

Just because a collection agency calls you doesn't mean you have to pick up.

There is no rule that says you must communicate with a collection company over the phone. In many cases, it's better to communicate by mail so there's a clear paper trail of every request, response, and document.

Keeping everything in writing helps protect you, reduces misunderstandings, and gives you records you can refer back to if needed.

💬 Message me "CREDIT" for a free consultation!

07/12/2026

Not every debt collector calling you means you have a collection account on your credit report.

Here's what many people get wrong:

If there's nothing listed in the collections section of your credit report, then a collection account is not what's affecting your score.

Instead, you may have a charged-off account. These usually appear in the closed accounts section, still carrying a balance and a negative rating.

Knowing the difference matters because it changes how you approach fixing your credit.

💬 Message me "CREDIT" for a free consultation!

Think a collection account is gone for good? Think again.Collection accounts can be sold from one collection agency to a...
07/12/2026

Think a collection account is gone for good? Think again.

Collection accounts can be sold from one collection agency to another. When that happens, the new agency may report the account to your credit report if it has the legal basis to do so.

That's why it's important to check your credit reports regularly and dispute any accounts you don't recognize or believe are inaccurate.

The sooner you catch an issue, the sooner you can take action.

💬 Message me "CREDIT" for a free consultation!

07/11/2026

If you're in a consumer proposal, your goal should be simple: pay it off as soon as you can.

Here's why:

The sooner you complete your proposal, the sooner the waiting period begins for it to be removed from your credit report. Waiting the full repayment term only delays your recovery.

Many people also make one big mistake. They focus only on the consumer proposal itself and forget about the accounts included in it. Those accounts can continue showing negative information even after the proposal is gone, and lenders can still see them.

The faster you finish your proposal, the faster you can rebuild your credit with tools like a secured credit card and begin addressing the remaining negative accounts.

💬 Message me "CREDIT" for a free consultation!

Staying loyal to just one bank could be limiting your opportunities.There is nothing wrong with using multiple banks. In...
07/11/2026

Staying loyal to just one bank could be limiting your opportunities.

There is nothing wrong with using multiple banks. In fact, building relationships with more than one lender can give you access to more credit options, better products, and additional sources of capital.

If you're a business owner, this strategy can be especially valuable when it's time to fund growth or invest in your business.

The key is to manage your accounts responsibly and build strong relationships wherever you bank.

💬 Message me "CREDIT" for a free consultation!

A 77-point credit score increase... from just 3 removals.Many people think it takes years to see a major improvement. So...
07/10/2026

A 77-point credit score increase... from just 3 removals.

Many people think it takes years to see a major improvement. Sometimes, removing the right negative accounts can make a significant difference.

This latest round resulted in:
✔️ 1 insolvency removed
✔️ 2 charge-off accounts removed

The result? A 77-point increase, pushing the credit score from the 600s into the 700s.

Every credit report is different, but this is why addressing inaccurate or unverifiable negative accounts can have such a powerful impact.

💬 Message me "CREDIT" for a free consultation!

07/10/2026

Good credit takes time to build, but it's worth it.

Whether you're recovering from collections, late payments, or even a bankruptcy, rebuilding your credit can open doors that cash alone can't.

When you have strong credit and a good relationship with your bank, you may qualify for credit products that give you access to capital when opportunities come up.

But getting approved is only half the battle.

The real advantage comes from knowing how to manage that credit with a budget and good financial habits, so you don't end up back where you started.

💬 Message me "CREDIT" for a free consultation!

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