@a1kennyj: If your credit score feels stuck… this is probably why. Collections on your credit report. You can pay down cards, keep utilization low, and still see little to no progress if collections are still reporting. That is because collection accounts are major derogatory marks. In many cases, removing collections can lead to significant score increases, sometimes even 100+ points depending on your profile. This is why strategy matters. You need to: Verify the debt is accurate Request proper documentation Dispute anything that cannot be validated Negotiate correctly if needed And monitor updates with credit bureaus like Equifax and TransUnion. Ignoring collections will keep your score stuck. 💬 Message me "CREDIT" for a free consultation! #creditrepair #credit #creditscore #credittips #creditmatters #creditispower #finances #money #mortgage #canada #toronto #vancouver #montreal #alberta #ontario

Kenny Johnson

Open In TikTok:

Region: CA

Wednesday 18 March 2026 12:00:28 GMT