The Score Plug

12/18/2025

✅ CREDIT TIP OF THE DAY 📌

Before you EVER pay on a debt that’s in collections — pause.

Once a debt has been sold to a third-party collector, the original creditor is typically no longer involved. That means the collector must prove they have the legal right to collect and that the debt is:

✔️ accurate
✔️ yours
✔️ within the statute of limitations
✔️ properly assigned to them

You are NOT required to just hand over money because they’re calling.

Always send a Debt Validation Letter first.
Ask them to provide:

📄 the original contract with your signature
📄 a full accounting of the debt
📄 proof of assignment/ownership

If they can’t validate it — they can’t legally collect it.

Knowledge is power. Don’t let collectors intimidate you into paying without proof.

Each one teach one. 🤝❤️
Credit education changes lives.

10/14/2025

That call you’ve been avoiding? 📞
It’s your credit… and it’s terrifying.
Let’s fix that before Halloween gets any scarier. 😈

I got you, DM me at The Score Plug

06/18/2025

06/17/2025

06/14/2025

Saturday might be your day off…
but bad credit is still clocked in 😩
Let’s handle that.
I’m talking:
🔁 Collections
🚫 Charge-offs
📬 Late payments
Gone.

DM me “plug” and I’ll walk you through a FREE consultation to get your credit back on track 💳✨
No fluff. Just real results.

06/13/2025

It’s FICO Friday, and the biggest scam is thinking bad credit is permanent.👀✨
We’re not just fixing scores—we’re shifting mindsets.
DM “PLUG” to get plugged into your power.💳💼
Your comeback season starts now.

06/11/2025

It’s Wisdom Wednesday, and we’re droppin’ gems like usual 💎📊

These quick tips could be the difference between a 620 and a 720 👀

✅ Keep old credit cards open
✅ Pay at least the minimum on time
✅ Check your report every 30 days

Small habits = big credit glow-up ✨
DM “plug” to get your personalized plan today! 🔌

06/10/2025

💳 Bad credit = more money out your pocket.
Same car. Same house. SAME PRICE.
But if your credit score ain’t right… you’re paying thousands more 😩

DM me “PLUG ME IN” to get started on your credit fix today 💼📲