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That moment when your score drops because you paid an old collection in full… here’s the truth nobody tells you:

👉 Paying a collection without negotiating a deletion doesn’t remove it from your credit report. It still shows as a negative, even if it’s marked paid.
👉 Always get it in writing that the creditor will delete the account from your report before you pay anything.
👉 This one strategy can save you years of headaches and help you rebuild your credit the right way.

Follow for more credit hacks and let’s keep your credit climbing instead of crashing.

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