@little_miss_westcoast: One thing I forgot to mention. Every single time I settled an account, I made sure I got a settlement letter or written confirmation that the account had been paid. That ended up saving me. One of my collection accounts wasn’t reported properly to Equifax after I paid it. Because I had the settlement letter, I was able to send it to Equifax so they could investigate and update the information. So if you negotiate a debt and pay it off, don’t just make the payment and move on. Keep every email. Keep every receipt. Keep every settlement letter. You never know when you’ll need it.

Little_Miss_Westcoast 🇨🇦

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Monday 20 July 2026 20:56:29 GMT