03/20/2026
Success leaves clues
For more information about personal and business credit, or starting your own franchise TYPE “Info” in my DM.
Paying past due bills doesn’t necessarily remove the fact the account is still negative 100. You can pay a collection off and it will just say “Negative item paid in full”. In MOST cases that item needs to be deleted FOR GOOD
35% payment history
30% utilization
15% length of history
10% type of credit
10% New Credit