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Thinking about not paying your medical bill? Heres what to expect #medicalbills #learnwithcambio #fyp
Big changes are coming to your credit score
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What really happens when you dont pay taxes? #taxes #learnwithcambio #fyp
How to get a new apartment with bad credit. If your rental applications keep getting denied, dont give up. Here are 3 tips to get into your next apartment: 1. Show your payment history for apartments you’ve previously lived in. You can do this by showing your future landlord bank statements or cleared checks. Find several months of on-time payments. 2. Get signed letters of recommendation from past landlords and your employer. Landlords just want to know you can pay rent on time. Give them as much evidence of this as you can. 3. Tell your story. S**t happens. Landlords understand that and if your credit is bad try to explain why its bad and most importantly, how you’ve changed. Bring as much evidence for this as you can. If these tips helped you, let us know with a like or comment. Want your score to work FOR you instead of against you? Follow us! #newapartment #rentalapplication #landlord #creditscore #credittips #learnwithcambio #knowyourscore #rentalagreement #apartmenthunting #rent #rental
Replying to @Zekke Here’s how to get out of a car loan #carrepo #carloan #learnwithcambio #fyp
How to pay to delete collections Do it yourself or have an AI do it for you #aicreditrepair #paytodelete #paytodeletecollections #learnwithcambio #viral #fyp
Replying to @theberthole This determines how much you owe after your car gets repossessed #repo #learnwithcambio #fyp
Thinking about not paying that student loan? Here’s what to expect #studentloans #learnwithcambio #fyp
Cash Advance Apps | 3 things to know before you get a cash advance. 1. You will have to qualify. Cash advance apps may not pull your credit but you will need to connect your bank account to see if you can repay them. 2. There are consequences for not repaying. Other than not giving you another advance, some cash advance apps will actually send your account to collections if you dont repay. (Big hit to your credit score) 3. Cash advance apps can be EXPENSIVE. Many people who rely too heavily on cash advances could be spending hundreds of dollars a year without realizing it. Cash advances can be useful but make sure you know what you’re getting yourself into before taking on more debt. #FomotionalFinds #learnwithcambio #cashadvance #themoreyouknow #moneyexplained #creditexplained #moneytips #credittok #moneysmart
Unpaid medical bills? Here’s what to expect #medicalbills #learnwithcambio #fyp
Ignoring collection calls? Heres what to expect #collections #paytodelete #learnwithcambio #fyp
Thinking about credit repair? Watch this first! #creditrepair #learnwithcambio #fyp
List of collection agencies that do pay to delete Recognize a name from this list? Use our free guides to get the account deleted and increase your credit score! #whatcollectionagenciesacceptpaytodelete #collectionagency #howtodeletecollections #paytodelete #payfordelete #removecollections #learnwithcambio #fyp
Thinking about not making that car payment? Here’s what to expect #carpayment #learnwithcambio #fyp
How overdraft fees can ruin your credit score #overdraftfees #learnwithcambio #fyp
Learnings from 200+ collection agency negotiations PART 1 Heres our top tip for negotiating with collection agencies: Collection agencies buy your debt for around 20% of the original unpaid balance. This means that if they collect at least 20% of your unpaid balance, theyre making money. So if youre looking to close these accounts and cant afford the full amount, you can negotiate with collection agency to pay less than the original amount. This alone wont improve your credit score. For that you’ll need a pay for delete (link in profile). But this is one way to get out of collections debt as affordably as possible. #creditscore #collectionnegotiation #howtonegotiatecollections #collectionsdebt #collectionagency #creditscore #buildcredit #learnwithcambio #fypシ
Most people don’t realize a gym membership could ruin your credit score #collections #learnwithcambio #fyp
Apartment hunting with bad credit? Look for apartments that are “for rent by owner” or “private landlord” #apartmenthunting #badcreditapartment #learnwithcambio #fyp
How car loan interest rates actually work. #carinterest #howinterestworks #learnwithcambio #fyp
Replying to @Abdul_fit The faster you pay off the car loan, the more money you’ll save. But there are some trade-offs #carloan #payoffdebt #learnwithcambio #fyp
Watch out for these common collection tactics while negotiating a pay to delete. #payfordeletion #paytodelete #learnwithcambio #fyp
Replying to @Alicia ✨💞 Who do you contact for a pay to delete? #paytodelete #howtopaytodelete #collections #learnwithcambio #fyp
Renting with bad credit? Look for “Private Landlords” or apartments that are “for rent by owner” #apartmenthunting #learnwithcambio #fyp
Thinking about not paying your phone bill? Here’s what to expect #phonebill #collections #learnwithcambio #fyp
Replying to @Cris Garcia 6 What happens wheb you don’t pay your electric bill #utilities #collections #learnwithcambio #fyp
Thinking about not paying your car insurance? Here’s what you can expect. #carinsurance #learnwithcambio #fyp
Don’t use dispute templates to delete collections! #creditrepairapp #aicreditrepair #aicreditsoftware #creditrepairservices #deletecollections #learnwithcambio #greenscreenvideo #greenscreen
Credit builder loans CAN hurt your credit score. We see a lot of our members open as many credit builders as they can. But these loans can be expensive and if you fall behind, they can do a lot of damage. Instead, look for affordable credit builders that you’re absolutely certainly youll be able to pay on-time for the life of the loan. #creditscore #buildcredit #creditbuilderloan #learnwithcambio #fyp
Good thing it’s not permanent 😅 #lifehappens #credittok #debt #creditscore #fixcredit #creditreport #creditmemes #fyp
Avoiding that speeding ticket? Heres what to expect.. #speedingticket #learnwithcambio #fyp
How co-signing an apartment lease affects your credit score. The first thing that happens when you cosign is a credit check. Depending on the landlord, they will either do a hard inquiry (hurts your credit score for 12 months) or a soft inquiry (does NOT hurt your credit score). Assuming the person you co-signed for gets approved, your credit score is now in their hands. Any missed payment sent to collections will be considered by your credit score as if YOU missed a payment. Keep in mind just 1 collection can drop your credit score by up to 100 points. If its sent to collections, that collection agency can contact you, collect from you, sue you and even garnish your wages. So if youre considering helping a friend or family member by cosigning for their apartment lease, keep in mind you are taking responsibility for those payments. #howcosigningaffectscreditscore #apartment #apartmentcosigner #shouldicosign #learnwithcambio #fyp
Wage Garnishment Explained #wagegarnishment #learnwithcambio #fyp
Paying off Collections Debt? Watch this first! Simply paying off debt in collections is not guaranteed to improve your credit score. Here’s what you should know BEFORE you pay off collection accounts: 1. You need a signed letter from your collector agreeing to remove the item after payment. Without this, your collector is not required to remove the account from your credit report *FREE templates in bio* 2. Make sure you can pay off the debt completely. Making a single payment can restart the clock on that debt. Meaning it could hurt you for another 7 years. 3. If its older than 5 years, you may want to wait for it to fall off. Collection accounts have a “shelf-life” of 7 years. Instead of paying and potentially restarting the clock, you may want to wait a few years for it to fall off on its own. Credit is a tool. Make it work for you. Swipe left for more. #learnwithcambio #collection #collectiondebt #creditrepair #themoreyouknow #creditexplained #credittok #debtcollector #debtpayoff #debtpayofftips #learnontiktok #creditpro
Worried your car will get repo’d? You’ve got some options #repo #carrepo #learnwithcambio #fyp
Replying to @m whit85 How to get free healthcare in the US 👍 #freehealthcare #charitycare #learnwithcambio #fyp
Identity theft is one of the biggest risks to your finances. Here’s how to catch them early #identitytheft #learnwithcambio #fyp
Replying to @aabb29841 Understanding charge-offs and how to resolve them 🤝 #whatisachargeoff #gowtoresolveachargeoff #chargedoffcreditcards #learnwithcambio #viral #fyp
Should you pay that charged-off credit card? #learnwithcambio #chargeoff #whatisachargeoff #payingcreditcards #fyp
When to add your kid as an authorized user #authorizeduser #creditcard #learnwithcambio #fyp
Thinking about ignoring that parking ticket? Heres what you can expect #collections #learnwithcambio #fyp
What do you get with an 850 credit score that you don’t with a 750? #850creditscore #learnwithcambio #fyp
3 tips to get that apartment even with a bad credit score #badcreditapartment #apartmenthuntingwithbadcredit #apartmenthuntingtips #learnwithcambio #fyp
What happens if I can’t pay rent? #rent #learnwithcambio #fyp
Getting your score above a 650 doesnt have to be a grind.. #aicreditrepair #learnwithcambio #whyismycreditscorelow #fyp
If you’re drowning in credit card debt, a debt consolidation loan could be exactly what you need. The best time to consolidate your debt is immediately after your credit score has improved so you can be confident you’ll get approved for a loan with low interest. Comment “help” for free credit guides! #debtconsolidationloan #creditcard #loan #loanconsolidation #debtpayoff #creditrepairservices #aicreditrepair #learnwithcambio #fyp
What to expect if you don’t pay your credit card #creditcard #learnwithcambio #fyp
Watch this before you buy that tradeline #authorizedusers #buyingtradelines #aicreditrepair #creditrepairservices #learnwithcambio #fyp
Why credit card companies want you to make the minimum payment #minimumpayment #creditcards #learnwithcambio #fyp
What to know about missing child support payments #childsupport #learnwithcambio #fyp
Close to maxing out your credit card? Heres what to expect #creditlimit #learnwithcambio #fyp
What really happens when you don’t file your taxes? #taxes #taxrefund #learnwithcambio #fyp
How to remove Paid Collections accounts from your credit report. If you have a paid collections account on your credit report, you may be wondering how to remove it. The good news is, it's actually pretty easy! In this video, we'll show you how to remove a paid collections account from your credit report. We'll also give you some tips on how to avoid collections in the first place. So if you're looking to improve your credit score, this video is for you! #creditimprovement #financialfreedom #credittips #debtpaydown #getyourcreditright #fixcredit #buildcredit #learnwithcambio
Most people dont realize this happens when you die with debt #debt #learnwithcambio #fyp
Replying to @C what to know about debt validation requests #debtvalidation #debtvalidationrequests #howtovalidatecollections #learnwithcambio #viral #fyp
Apartment Hunting With Bad Credit - 3 Simple Tips If your credit score is less than 650, your next rental application could get denied. Be proactive with these 3 easy apartment hunting tips that will give you the best chances of getting approved. Need help? Just ask. #apartmenthuntingtips #creditscore #newapartment #landlord #credittips #apartmenthunting
AI Credit Repair is here. Download today to get a free credit analysis. #aicreditrepair #paytodelete #cambioapp #fyp #viral
A car repo can drop your credit score 100 points or more. Avoid it with these simple tips #carrepo #learnwithcambio #fyp
Replying to @Jen Anthony Considering bankruptcy? Make sure you try ALL of your options first. #bankruptcy #debtnegotiation #lowerinterestrates #learnwithcambio #viral #fyp
Replying to @Mekei hard inquiries account for a very small portion of your credit score. You probably already know they fall off of your credit report after just 2 years (compared to the usual 7). But they also stop hurting your score altogether after just 1 year. But, 30 inquiries is a lot right? Actually, creditors use a process called “deduplication”. They know that several hard inquiries that appear back to back for the same thing probably arent a good indicator for your creditworthiness. So, at the end of the day, hard inquiries really are not a big factor for lenders. But if they see a lot of hard inquiries paired with late payments, collections, and charge-offs, theyll be much less likely to approve you. So instead of worrying about hard inquiries, focus your time and energy resolving more hurtful accounts. Check out our free templates in the profile links to get started. #creditrepair #hardinquiries #hardinquiriesdontmatter #creditreport #fyp
Replying to @Sunny What to do when the collection agency doesn’t delete your collection #collections #goodwillletter #learnwithcambio #fyp
What actually happens if you don’t pay your mortgage? #mortgage #learnwithcambio #fyp
Watch this before adding your kid as an authorized user! #authorizeduser #learnwithcambio #fyp
Replying to @anonimo This is when the IRS pays YOU interest #taxes #learnwithcambio #fyp
Replying to @christalallen573 Use these collection negotiation tips! #collections #learnwithcambio #fyp
What does installment mean? Installment loans have a big impact on your credit score. Watch to the end to learn what to watch out for when opening an installment loan. Knowing what impacts your credit score makes it easier to improve your credit score. Follow to learn more about your credit score. #learnwithcambio #installmentloans #creditscoretip #creditscores #creditscorefactors #knowyourcreditscore
What to know about debt lawsuits #collections #learnwithcambio #fyp
Guide to using your credit card responsibly #creditcard #creditcardtips #howtouseacreditcard #learnwithcambio #fyp
Paying collections without a pay to delete will NOT improve your credit score. The good news is it’s still possible to delete these paid collections from your credit report using goodwill adjustment letters. Get a free template in the profile or download the Cambio app. #removepaidcollections #deletecollections #goodwilladjustment #goodwillletters #creditrepair #aicreditrepair #creditrepairservices #learnwithcambio #fyp
Your Credit Score Should Have Jumped on January 1st This isn't a hack. As of January 1st, 2023 all medical bills under $500 should be wiped from credit reports - Still seeing medical bills under $500 on your credit report? If they're in collections or have late payments, they're hurting your credit score and they should NOT be on there. Use our free dispute templates to remove them ASAP. Ask us how! #creditreport #medicalbills #collections #creditscore #creditbuilder #diy #creditrepairtips
Banking on social security checks for your retirement? Heres what to expect. #socialsecurity #retirement #learnwithcambio #fyp
Parking tickets could ruin your chances of getting that mortgage. Most people know an unpaid credit card or debt repayment can be sent to collections and drop your credit score. But its not just unpaid loans that can hurt you. Here are just a few types of bills that can be sent to collections and ruin your credit score. #debtfree #parkingticket #unpaidparkingtickets #creditscore #learnwithcambio #fyp
Top tip to avoiding the repo man #carrepo #learnwithcambio #fyp
Get your next application approved by following these steps. #badcreditapartment #learnwithcambio #fyp
Replying to @KVH When to add your kid as an authorized user #authorizeduser #learnwithcambio #fyp
Lexington Law Lawsuit means you might be getting some money back! Follow to stay updated. #aicreditrepair #lexingtonlawlawsuit #lexingtonlawcfpb #learnwithcambio #fyp #greenscreen
Thinking about not paying your credit card? Here’s what you can expect. #creditcard #learnwithcambio #fyp
ID theft is a major cause of bad credit scores. Protect your score with these 4 steps #identityfraud #protectyourscore #learnfromcambio #idtheftprevention #fyp #viral
“But won’t my collections stay on my report forever??”… Nope 😎 #creditscore #funny #luca #creditreport #creditcard #creditrepairtips #yougotthis #creditimprovement #debtfree #fixbadcredit #firsttimehomeowner #viraltiktok #fyp
Replying to @Queenofcrm what to do if the collection account isn’t on your credit report. #collections #collectionnotoncreditreport #learnwithcambio #fyp
Why is my payment history so bad? Payment history is the most important factor of your credit score. If you're seeing bad marks on your payment history, it's likely because of a late payment, charge-off, or collection account. Any of these 3 hurtful items can make a big dent in your credit score. The good news? You have options. 1 - If you continue to make on-time payments only from here on out, your credit score will improve over time. But maybe you don't have that kind of time. 2 - If you need to improve your payment history NOW, the easiest way to do so is to get your credit report and look through those accounts with late payments, charge-offs, or collections and look for mistakes. 1/3 credit reports have a mistake so chances are yours could too. If you find a mistake, dispute it (free templates on our website). Disputes will never hurt your credit score and they actually can remove hurtful inaccuracies. Want to make your credit score work for you instead of against you? Check out the links in our bio and follow for more! #creditscore #creditimprovement #financialliteracy #paymenthistory #fixbadcredit #buildgoodcredit #learnwithcambio #ficoscore
Replying to @JessicaA Unfortunately yes. Here’s how landlords can ruin your credit score. #landlords #collections #learnwithcambio #fyp
Ignoring those collection calls could be hurting your credit score. Heres what to do instead. Getting sent to collections sucks. Not only are you getting non-stop harassment over the phone, but your credit score (and wallet) is likely hurting because of them. Instead of ignoring those collection calls, follow this 3 step process. 1. Identify the debt. Dont call them back where they might pressure you into paying unnecessaily. Instead, check the voicemails for the name of the collection agency and match that to a collection account you see on your credit report. 2. Once you have the name of the collection agency, googlw their mailing address and mail a Debt Validation Request Letter (free template in profile or cambiomoney.com) 3. Take action. Dispute inaccuracies at each of 3 major credit bureaus. If its accurate, try negotiating a pay to delete. Put your questions in the comments, im here to help. #collectioncalls #creditscore #learnwithcambio #buildcredittips #fypシ
3 million people are already paying $0/mo for their student loans, here’s how #studentloans #saveplan #learnwithcambio #fyp
Cant afford that medical bill? 3 easy money saving tips. 1. Don’t put the bill on your credit card. Not only does this actually increase the cost of your medical bill, it could also hurt your credit score (increased credit utilization rate). 2. Ask your medical provider for an itemized receipt of your bill. Look for errors, duplicate charges, or expenses your insurance should have covered. Even just asking could lower your bill! 3. Set up a payment plan before the bill is sent to collections. Your medical provider WANTS to work with you. Most would rather set up a payment plan then send the bill to collections. So save your credit score from a massive hit and call your medical provider. #learnwithcambio #medicalbills #doctorbills #medicaldebt #credit #improvemycredit #bettercredit #creditexplained #knowyourscore #collection #creditrepair
The Truth Behind Disputing Collections #disputecollections #deletecollections #aicreditrepair #learnwithcambio #fyp
Bad credit isn't permanent. Rebuild today!
Utility bills and your credit score #bills #learnwithcambio #fyp
Recently received a collection notice? Send this Debt Validation Letter Template ASAP (free resources in profile) #debt #collection #debtvalidation #debtvalidationletter #creditscore #creditreport #credittok #collectionsdebt #improveyourcreditscore #buildcredit #learnwithcambio
Avoid these 3 wealth destroying services! #wealth #learnwithcambio #fyp
Improving this number will make it a LOT easier to get that loan #debttoincomeratio #dti #whatisdti #aicreditrepair #learnwithcambio #trending #fyp
Is that collection agency stealing from you? In March 2023, one of the nations largest collection agencies, Portfolio Recovery Associates, was ordered by the CFPB to pay $24 million for illegally collecting millions from US consumers….again. Not only did they steal millions, they also ruined thousands of peoples credit scores dor reporting on debts they had no proof actually existed. This is just one example of why it is so important to monitor your credit, dispute inaccuracies, and validate any collection account that a company claims you owe. Follow to protect your credit and make the system work for you, not against you. #collections #illegalcollections #creditscore #learnwithcambio #buildcredit #fyp
TIP TUESDAY 🥵 #BankingTips #CreditCard #CreditCardDebt #Banking #MobileBanking #NoCreditCheck #NoCredit #BuildCredit
Save your credit score by deleting that student loan default from your credit report #studentloans #learnwithcambio #fyp
Down payment keeping you from your first home? #downpaymentassistance #learnwithcambio #fyp
Replying to @Victoria How to delete paid collections #deletecollections #learnwithcambio #fyp
The sneaky way phone bills can ruin your credit #phonebill #learnwithcambio #fyp
Do you want to get out of debt fast? Learn how to negotiate with debt collectors Debt can be a burden, but you don't have to let it control your life. In this video, we'll show you how to negotiate with debt collectors. We'll give you tips on how to get the best settlement possible, so you can get out of debt fast. We'll also show you what to avoid, so you don't end up in a worse situation. If you're ready to take control of your debt, this video is for you! #credit #creditimprovement #creditscore #debtsettlement #creditrepair #creditrestoration
Credit Repair’s biggest myths #creditrepair #learnwithcambio #fyp
CFPB proposing to delete ALL medical collections #medicalbillsremoval #medicalcollections #deletecollections #learnwithcambio #fyp #greenscreen
Making minimum payments on your credit card? Watch this! #creditcard #learnwithcambio #fyp
Quick way to get buried in debt #medicaldebt #creditcards #learnwithcambio #fyp
Replying to @Amanda Deleting bankruptcies from your credit report #bankruptcy #learnwithcambio #fyp
Planning a move? Make sure all of your utilities are canceled and paid. Otherwise, any unpaid balance could be sent to collections and leave you with an unexpected 100 point drop to your credit. Small things like this can do years of damage down the line. #credit #creditreport #collections #utilitybillsincollections
Here’s how we got started serving the 100 million Americans with a credit score below 650. #cambioapp #cambiomoney
Replying to @dakotawelker362 If it’s been more than 30 days since you were first notified, they are not obligated to validate. But you still have options. #debtvalidation #learnwithcambio #fyp
What to expect if you stop making car payments #autoloan #learnwithcambio #fyp
Don’t sleep on goodwill adjustment requests #deletelatepayments #learnwithcambio #fyp
If only… #collectionagencies #creditrepair #paytodelete #howtoremovecollectionsfromcreditreport #deletecollections #learnwithcambio #cambioapp #fyp
Illegal background checks by TransUnion #transunionsettlement #learnwithcambio #fyp
Record-breaking car payments could mean trouble for your credit score #carpayment #carrepo #learnwithcambio #fyp
PSA medical collections that have been paid or is under $500 should no longer be on your credit report. Emphasis on the “should”. Certain accounts may have slipped through the cracks so if youve ever had a medical bill go to collections do these 4thi gs: 1. Get your credit report. You can find get yours for free at annualcreditreport.com or a bunch of other free services (like Cambio) 2. Look for medical collections that have been paid or are under $500. 3. See any? Dispute them! You can download free templates on our website or just google “dispute template” 4. Finally, if you have any medical bills over $500, try to get those paid if you can. I know things are tight right now but this is a quick way to give your credit score. With interest rates as high as they are, you dont want to be stuck with a bad credit score. #medicalcollectionsdeleted #creditreport #medicalbillsremoval #learnwithcambio #fypシ #greenscreen
Using buy now pay later this holiday season? Avoid these dangers. #buynowpaylater #learnwithcambio #fyp
How to use AI to fix your credit #aicreditrepair #cambioapp #fyp
Just some debt advice for your Friday. 😌 #debt #debtpayoff #debtfreejourney #money #financialfreedom #financetiktok #financetip #banking #banking
Replying to @xedsu On time payments >> size of payments #creditbuilder #creditbuilderloan #learnwithcambio #fyp
Replying to @Cristina Moreno Deleting a collection that’s on you and your husbands credit reports #paytodelete #learnwithcambio #fyp
Should you use the snowball method or the avalanche method? Heres how to decide which debt payoff strategy is right for you #snowballmethod #debtsnowball #avalanchemethod #debtavalanche #payoffdebt #learnwithcambio #fyp
Thinking about not paying rent? Here’s what to expect #rent #learnwithcambio #fyp
Can you really pay to delete collections? In short, yes. But you have to do it the right way. The most important step is obtaining a signed written agreement from the collection agency in which they agree to remove the account from your credit report upon payment. Without this written agreement, they have no obligation to remove the account after you pay it. It also acts as insurance. If the collection agency does not remove the account within 60 days of payment, you can attach the agreement in a dispute to the credit bureaus. You can also send this agreement in with a complaint to the Consumer Financial Protection Bureau (CFPB). The agency wont want to spend the time or money fighting you on something they have nothing to gain. Itd actually save then time and effort to just remove the account as agreed. Put your questions in the comments! #collections #paytodelete #learnwithcambio #buildcredit #fixcredit #fyp
Car buying with bad credit? Look for a car with a high resale value #carbuyingtips #carrepo #learnwithcambio #fyp
How To Fix Late Payments On Your Credit Report - Free guides in bio! We'll show you how to fix your credit score now by erasing those late payments and improving your credit score. We'll cover the steps you need to take to fix late payments, and more. Whether you're trying to get a loan or just want to improve your credit score, this video will give you the information and tips you need. #creditimprovement #latepayment #paymenthistory #creditscore #learnwithcambio #fixcredit #creditrepair
What is the 30% rule??? 😊 #bank #bankingtips #banking #credit #credittips #creditcard #financialfreedom #financetiktok #bankingtiktok #creditscore
✨teamwork✨ #creditscore #johncena #headphones #whisperchallenge #credit #buildcredit #funny #fypシ゚viral #learnwithcambio
TIP TUESDAY LET’S GET IT 💯 Build a reserve for each bill ➡️ Emergency buffer #Banking #BankingTips #BankingTikTok #CreditCard #CreditRepair #Credit
Our top tip to getting approved for your next apartment with a bad credit score #badcreditapartment #apartmenthunting #learnwithcambio #fyp
Make it the year of better credit 🎊 #2024 #learnwithcambio #fyp
What I’ve learned after hundreds of collection negotiations PART 2 Collection agencies make a lot of mistakes. That's mainly because companies still use paper and pencil for almost everything These mistakes typically happen when a collection agency sells your debt to another collection agency. And that can happen like 5 or 6 times for just one bill Now each time they buy or sell your debt, they have to exchange that information. This is where those mistakes come in. What that means for you is that you could have a collection account that's dragging your score down 100 points when it really shouldn't be. 1/3 of credit reports have some sort of inaccuracy so make sure you're checking those reports regularly and disputing any inaccuracies you see. We've got tons of resources in our profile on how to do just that. #credit #debtfreejourney #creditscore #collectionsdebt #medicalbills #medicaldebt #creditreport #dispute #buildcredit #learnwithcambio #fypシ #trending #highinterestrates #collectionnegotiation #howtodisputecredit
Buy Now Pay Later and Your Score #buynowpaylater #installments #applepaylater2023 #collections #learnwithcambio #fyp
How to speed up your credit improvement #aicreditrepair #cambioapp #learnwithcambio #fyp
Everything you need to know about experian boost in 60 seconds #experianboost #fico #experian #learnwithcambio #greenscreen
A renter’s resume gives your future landlord everything they need to approve you as a tenant. #apartmenthunting #learnwithcambio #fyp
TIP TUESDAY💛💛💛💛 #bankingtips #nocreditchecks #banking #money #moneytips #debtproblems
Delete collections with AI 🤖 #aicreditrepair #paytodelete #paytodeletecollections #payfordeletion #fyp #greenscreenvideo #greenscreen
Avoid these mistakes to lower your chances of a car repo #carrepo #learnwithcambio #fyp
Ambulance = most expensive uber ride of all time 🙄 #creditscore #medicalbill #credit #medicaldebt #creditreport #debt #medicalbills #funny #fyp
#stitch with @robbie scott Heres a challenge for ya #millionairemindset #getthelatte #learnwithcambio #markcuban
GET YO BILL REMINDERS SET😤😤😤 #bank #banking #bankingtips #tip #fyp #billpay #billpayment #payingbills #payingthebills #mobilebanking
How to remove late payments from your credit report. Do it yourself or have an AI do it for you #howtodeletelatepayments #removelatepayments #aicreditrepair #goodwillletter #learnwithcambio #fyp
Can you have too many credit builder loans? Credit builder loans are a useful tool to improve your credit score. But can you overdo it? Follow for more! #creditbuilder #paymenthistory #creditscore #fyp #creditrepair
Step by step guide to free healthcare #freehealthcare #learnwithcambio #fyp
Don’t let these common bills ruin your credit score! #collections #learnwithcambio #fyp
Using 0% interest credit cards for holiday shopping? Keep this in mind… #creditcards #learnwithcambio #fyp
Replying to @Madison Raeann Smith Without this, paying off a collection account likely wont improve your score #collections #howtodeletecollections #paytodelete #learnwithcambio #viral #fyp
5 Things to Avoid When Working on Your Credit #learnwithcambio #aicreditrepair #buildcredit #badcredit #viral #fyp
Focusing on one goal at a time will save you a lot of money #payoffdebt #learnwithcambio #fyp
How to delete medicial collections and boost your score in 2023 #medicalcollections #learnwithcambio #fyp
How to pay $0 at the hospital #medicalbills #medicalfinancialaid #learnwithcambio #fyp
Avoid these services if possible! #buildwealth #learnwithcambio #fyp
0% interest balance transfer cards are one way to save money and get out of debt FAST #balancetransfercreditcard #howtogetoutofdebt #stoppayinginterest #learnwithcambio #viral #fyp
Cambio vs. your collectors #paytodelete #collectionnegotiation #buildcredit #learnwithcambio #funny #arnoldschwarzenegger #improvemycreditscore #creditscore #credit
Times are changing 😎 The credit bureaus haven’t removed all of the debts they should have so if you’re still seeing medical bills under $500 on your credit report, dispute them!! Need help? Just ask. #medicalbills #medicaldebt #medicaldebt2023 #medicaldebtforgiveness #creditscore #creditreport #removecollections #creditrepair
Car negotiation pro-tip 💪 #carbuying #autoloan #carnegotiation #negotiating #credit #creditscore #howtonegotiate #creditprotip #savemoney #learnwithcambio
$0 Student Loan Payments? ✅ #saveplan #studentloans #learnwithcambio #fyp
Don’t sleep on method verification letters #methodverificationletters #howtodisputecollections #aicreditrepair #learnwithcambio #greenscreen #fyp
Hidden credit scores explained #vantagevsfico #vantagescore #ficoscore #creditscoretips #learnwithcambio #fyp
Replying to @user2469095076939 Flowchart to fix a bad credit score part 2: Late Payments, Credit cards, and how to rebuild. Free download in the links in our profile or cambiomoney.com/blog #fixbadcredit #latepayments #learnwithcambio #fyp
Will adding your kid as an authorized user really set them up for success? #authorizeduser #learnwithcambio #fyp
Hard inquiries explained #hardinquiries #deletehardinquiries #aicreditrepair #learnwithcambio #fyp #greenscreen
Your private info isnt that private #databrokeroptout #protectyourinfo #commonscams #learnwithcambio #fyp
Score below 650? Here’s how to improve quickly #aicreditrepair #learnwithcambio #fyp
2 FREE ways to boost your credit utilization #creditutilization #howtoimprovecreditutilization #aicreditrepair #learnwithcambio #fyp
Take 2 minutes to try this… #goals #debtpayoffhacks #howtosticktogoals #learnwithcambio #fyp
Paying a credit repair service 100s? Heres how you can do it yourself. I made a flow chart thats shows you eactly what steps to take to improve a bad credit score (Free download at links in profile). #creditrepairservice #dispute #paytodelete #creditscore #buildcredit #paydowndebt #greenscreen
Prioritize high interest cc debt THEN maximize your investments. #payoffcreditcards #payoffdebt #learnwithcambio #fyp
Am I wrong? #davechappelle #collections #credit #negotiatedebt #creditscore #buildcredit #funny #trending #chappelleshow #collectioncalls #collectionagency #fyp
Resolve Your Collections! | Best Way to Improve Your Credit Score Collection accounts are the number one cause of bad credit scores in the US. Here's how to resolve and eventually remove Collection Accounts. 1. Wait it out. A collection account impacts your score less over time and can only legally remain on your credit report for 7.5 years. Once that time runs out, it's removed from your report. You still owe that debt but it won't be affecting your credit score. 2. Disputes. You have a right to accurate information on your credit report. Guess what, 1/3 credit reports are NOT accurate! So check your collection accounts and if you see something off, dispute it! Disputes can't hurt your credit score (check our blog for templates). 3. Pay it off. Some collection agencies will completely remove the item if you simply pay it off. But BE CAREFUL. Make sure you get proof of your collector agreeing to delete the item from your report before paying it off. Follow for weekly credit improvement tips and start making your score work FOR you, not against you. #creditscore #collections #payoffdebt #learnwithcambio #improveyourcreditscore #collectionsdebt #credittips101 #bettercredit #creditrepair #medicalbills #creditcarddebt #excellentcredit
Your path to better credit starts with Cambio 🤝 #bettercredit #aicreditrepair #creditrepairapps #growth #viral #cambioapp #fyp
Avoid these 3 mistakes if youre working on your credit score 🫡 1. Putting late medical bills on your credit card. That medical bill has 0% interest, once its on a card that shoots up to 25-30% and you could end up paying DOUBLE the original balance. Instead, set up a payment plan with your hospital before it goes to collections. 2. Opening a lot of very expensice credit builders. $100 monthly payments are not worth it especially if you end falling behind and adding a late payment or even a collection account to your report. 3. Giving up on late payments. 90 days late is still better than it going into collections. + every on-time payment after is an opportunity to keep improving your score. Dont give up! #learnwithcambio #creditmistakes #fixcredit #buildcredit #650creditscore #creditcards #medicalbills #dontgiveup
Learnings from 200+ collection agency negotiations PART 3 | most people don’t realize that a $1000 collection account is probably going to hurt your credit score just as much as a zero dollar collection account. Collection agencies may try to lie or intimidate you by saying that paying it off will result in an improvement. But a paid collection account will still hurt your credit score. Instead, you can try what’s called a pay to delete. Check out the links in our profile for step-by-step guides and templates all completely for free #co#collectionsdebta#paytodeleteo#howtopaytodeletee#learnwithcambioo#collectionnegotiationr#creditscorey#fypシ
TranUnion Failed to Freeze Thousands of Credit Reports! #creditfreeze #transunionsettlement #learnwithcambio #fyp
Why your student loan keeps growing #studentloans #learnwithcambio #fyp
These 3 mistakes can increase your chances of getting your car repo’d #carrepo #learnwithcambio #fyp
Is your credit score saving you money? If not, Cambio can help. #refinancing #savemoney #fixcredit #buildcredit #learnwithcambio #viral #fyp
Cant afford your medical bill? Ask your hospital about their financial assistance programs! #medicalbills #learnwithcambio #fyp
#stitch with @New Money Talks Never pay collections? If it sounds too good to be truw it probably is. There are a few instances where you should not pay a collections debt. If the debt cant be validated. To validate a debt, you need to mail a debt validation request letter. Google that or check out our free templates on our website. If you do choose to never pay collections, keep in mind you may have a legal obligation to pay that debt and, if the agency thinks its worth it, they could garnish your wages or try to sue you. #collectionsdebt #paytodelete #debtvalidationletter #collectiondispute #buildcredit #creditscore #learnwithcambio
How ignoring your credit report can cost you 💰💰 #creditreport #learnwithcambio #fyp
Cambio’s 3 step approach to better credit. #aicreditrepair #techcompany #howtodeletecollections #learnwithcambio #greenscreenvideo #greenscreen #fyp
How to save money without a budget #howtosavewithoutabudget #savingstips #wealthymindset #learnwithcambio #trending #fyp
🧢🧢🧢 #creditmyths #creditrepairservices #aicreditrepair #disputetemplates #collectiondispute #deletecollections #cambioapp #learnwithcambio #fyp
Buying a credit repair dispute template? Here’s why you should think twice #creditrepairservices #learnwithcambio #fyp
Collection calls are annoying, collection lawsuits are worse #collectioncalls #paytodelete #aicreditrepair #learnwithcambio #fyp
You’re killin my vibe #creditscores #learnwithcambio #howtoremovecollectionsfromcreditreport #collections #aicreditrepair #creditrepairservices #fyp #greenscreen
These interest rates are no joke. Take 30 days to work on your credit and thank us later 🤝 #interestrates #credit #creditcards #loans #buildcredit #learnwithcambio #funny
Ia the debt snowball method right for you?? ☃️Comment what you think! #banking #debt #debtpayoff #debtfree #debtfreejourney #debttips #bankingtiktok
Most people aren’t checking their credit report enough. Are you? #creditreport #learnwithcambio #fyp
Comment “help” for FREE credit guidance #creditrepairservices #aicreditrepair #creditrepairapp #deletecollections #howtoremovecollectionsfromcreditreport #freecreditrepair #learnwithcambio #fyp
Your score and you #learnwithcambio #fyp
Avoid if possible, use with caution #learnwithcambio #wealthstrippingservices #whatisawealthstrippingservice #buildwealth #fyp
Your score is lower than it should be if these accounts are on your credit report. Use our free dispute guides and templates to delete them and increase your score. #aicreditrepair #creditrepairapp #creditrepairservices #disputeletters #collectionagencies #learnwithcambio #fyp
Being proactive can save you a LOT of money #aicreditrepair #freezeinterest #learnwithcambio #buildcredit #viral #fyp
😤 #creditbureaus #kevincostner #credir #creditscore #transunion #equifax #experian #creditreport #creditdispute #buildcredit
How to get your down payment PAID (without taking on another loan) #downpaymentassistance #learnwithcambio #fyp
Only up from here tho 🙏 #creditscore #creditrepair #creditcard #credit #learnwithcambio #dontmakethesamemistake #fixcredit
That’s the difference between a 650 and a 750 ✅ #creditscore #credit #homeowner #creditcard #bills
Car payments eating your paycheck? We got you 💪 #refinance #credit #creditscore #carloan #autoloan #carpayments #refinanceyourcar #learnwithcambio
Getting a 700 is a lot closer than most people realize. Comment “Help” for free credit guidance. #learnwithcambio #paytodelete #fyp
3 common credit mistakes you should avoid #credittips2023 #bestcredittips #aicreditrepair #payoffdebt #payoffcreditcards #learnwithcambio #fyp
Common holiday shopping traps. Use with caution or avoid them if possible #holidayshopping #learnwithcambio #fyp
Delete collections and boost your credit with this free flowchart. Download at cambiomoney.com/blog #learnwithcambio #fyp
This 1 tip could save you $100/month - With nearly everything getting more expensive these days, understanding where your money is going is a must. Use this strategy to cut your small non-essential purchases and start saving big time. 1. Grab your bank and credit card statements 2. Find your last 3 months of transactions 3. Write down every transaction less than $25 4. Total them to see how much these small, easy to spend, items are costing you each month 5. Make a decision, is the extra $3 every day at the gas station worth throwing almost $100 down the drain each month? It’s up to you. Either way, we’ll get through it together! Follow for more! #savebig #smartbudgeting #makelifeeasier #hiddenmoneytips #costoflivingcrisis
Dont trust these 3 common myths of credit repair #creditrepair #creditrepairservice #aicreditrepair #learnwithcambio #creditrepairtips #fyp
Ready to get out of collections? We got you 🤝 #aicreditrepair #learnwithcambio #howtogetoutofcollections #buildcredit
🚩🚩🚩 Whether youre working on your credit yourself or hiring someone else, if they mention any of these things, don’t give them another second of your time. 1. “Guaranteed removals” a lot goes into improving a credit score. Theres a lot that cant be forseen so if someone tries to guarantee anything, not only are they lying to you, theyre also breaking the law by violating the credit repair organizations act (croa). 2. “24 hour removals” this is clickbait. No matter what strategy youre using, the bureaus take time to process requests and update reports. If theyre promising removals in 24 hours of hard inquiries late payments or collections, theyre probably not someone you want to work with. 3. High fees: now “high” is subjective but many states of caps on credit repair fees and most traditional credit repair companies cant charge until the service has been performed. If theyre asking for more than $100 upfront, its a safe bet your money would be better served elsewhere. Follow for credit tips without the bs. #credit #creditrepair #creditmyths #creditscore #learnwithcambio #buildcredit #fypage
Your credit score in a nutshell 🤦♂️ #creditscorebasics #howcreditscoreworks #latepayments #funny #greenscreen #fyp
New AI tool makes understanding your credit report quick and easy #aicreditrepair #paytodelete #howtopaytodelete #learnwithcambio #trending #fyp
Thanks for nothing 🤦♂️ #creditcards #hardinquiries #learnwithcambio #fyp
Bad credit isnt permanent. Take action today ✅ #learnwithcambio #personalgrowth #creditjourney #buildcreditscore #viral #fyp
Drowning in Medical Bills? We Got You 💪 Follow these steps to cut the stress out of the doctor's office. #medicalbills #medicaldebt #credit #creditscore #itemizedbill #creditcards
A little preparation goes a long way #loan #savings #aicreditrepair #learnwithcambio #fyp
Don’t let these holiday shopping traps ruin your credit score #holidayshopping #learnwithcambio #fyp
The best part? It doesnt take much #aicreditrepair #learnwithcambio #howtogetoutofcollections #viral #fyp
Why you should NOT invest until you’ve paid your credit cards off #debtpayoff #creditcarddebt #retirement #401k #investorpayoffdebt #learnwithcambio #fyp
Here's the fastest way to remove collections (and boost your credit score) - Did you know just 1 collection account could drop your credit score by more than 100 points? Removing it could mean the difference between getting that house and living YEARS with a 550 score. A "Pay to delete" letter can help you do this. Yes, you may (or may not) have to pay the full amount... but, you could be one payment from a score that helps you achieve your goals. Remember, your creditor NEEDS to give you a signed letter of agreement stating they will remove the item, otherwise they may not remove it from your report (and it will continue to hurt you). Leave your questions in the comments and follow for more! #creditscore #collectionsdebt #paytodelete #creditimprovement #creditrepair #learnwithcambio
How to buy a home with NO money down #downpaymentassistance #fyp
Interest Rates are Higher, Are You Prepared? Interest rates are climbing. Which means credit cards, mortgages, auto-loans and more are going to be more expensive. A lot more expensive. If you're not prepared, higher interest rates could derail your finances. Here are three super simple tips to make sure higher interest rates don't dig into your future financial plans and goals. #interestrates #inflation #interestratehike #credit #debt #paydowndebt #buildcredit #buildwealth #creditcards #creditcarddebt #learnwithcambio
🤦♂️ #autoloan #autoloaninterestrates #creditscores #interestrates #funny #learnwithcambio #fyp
#inflation #risinginflation #groceries #groceriesonabudget #budgeting #fyp #wheredwight
Meanwhile you’re sitting in that chair, sweatin #credit #creditcore #carbuying #funny #autoloan #buildcredit #fyp #trending #imonlyhumanafterall
Get better credit by removing accounts hurting your credit score using these 4 strategies. Use our free guides for each of these and download the templates to get started. Need help? Comment “help” for FREE guidance. #creditrepairservices #aicreditrepair #diycreditrepair #deletecollections #howtoremovecollectionsfromcreditreport #hardinquiries #learnwithcambio #fyp
Boost your score with these 4 credit repair strategies. Comment “Help” if you’re stuck These 4 strategies CAN help you remove hurtful accounts like collections, charge-offs, late payments and hard inquiries. Keep in mind no one can guarantee a deletion or improvement but if you’re persistent and go about it correctly you do have a good chance of improving your credit score #aicreditrepair #deletecollections #creditrepairservices #deletechargeoffs #deletelatepayments #deletehardinquiries #debtvalidation #paytodelete #learnwithcambio #fyp
Dont fall for these collection tactics! #aicreditrepair #creditrepairservices #learnwithcambio #howtogetoutofcollections #viral #fyp
Does your credit score even matter??… Sort of. But your credit report matters a lot more. Thats because you dont actually have just one credit score. You have dozens of credit scores depending on what you are applying for. This is why you might see a different score when you apply for an auto-loan than the one you see on credit karma. The good news is that all of these scores are calculated based on the same information: your credit report. If something positive is added to your report, all of your scores will improve but one may improve more than another. If something negative is added to your credit report. All of your credit scores will decrease, some more than others. So instead of focusing on the exact number of your credit score, focus instead on your credit report. #morethanonecreditscore #creditreport #learnwithcambio #creditscores #fyp
If credit card companies were honest #creditcards #learnwithcambio #creditrepairservices #payoffdebt #fyp
Learnings from 200+ collection negotiations: Dont tell those collectors to stop calling you. If you do, they are legally required to cease contact. Now, instead of calling you, they are limited to taking more aggresive collection practices. Like suing you or garnishing your wages. Instead, let them call but take action to resolve that debt. Check out our free resources and templates in the profile. #collectioncalls #credit #buildcredit #learnwithcambio #collections #fyp
😒 #buildcredit #collections #debt #creditscore #learnwithcambio #trendingreels
The secret to a better credit score👇 ✨Persistence✨ Comment “help” for free credit guidance #learnwithcambio #creditrepairservices #fyp
Understand how credit card interest works so you can beat it #creditcardinterest #howcreditcardswork #payoffcreditcards #debtpayoff #learnwithcambio #fyp
How to remove hard inquiries from your credit report - Unauthorized hard inquiries can be disputed. If you DID authorize the hard inquiry, don’t worry. They only impact your score for 6-8 months and will fall off on their own in 2 years. #hardinquiries #diycreditrepair #buildcredit #creditreport #dispute
Reasons i budget number 28 #idriselba #debtfree #datenight #hotones #creditcards #fyp
Should you get a 7 year auto-loan? #credit #creditscore #AutoLoans #carbuying #carfinancing #financing #learnwithcambio #trending #fyp #credittok
Recognize any of these? We can help #aicreditrepair #learnwithcambio #paydowndebt #buildcredit #credittips #fyp
What I wish I knew when I was $20k deep in credit card debt #creditscore #startups #buildcredit #financialfreedom #debtfree #moneymoves #creditcards #interestrates #inflation #fypシ #trending #TechCEO
Time to bounce back 😎 #lowcreditscore #highinterestrates #carbuying #creditscore #learnwithcambio #fypシ
Credit cards aren't the only way to build credit 🚀 Here's how you can build credit without a traditional credit card! #creditscore #buildcredit #mortgage #creditcards #creditbuilder #loans #debt #learnwithcambio #smartcredit
Beat Debt & Build Wealth: 4 Simple Credit Card Rules To Live By - Credit card debt can be overwhelming, but it doesn't have to be! In this video, we'll show you 4 simple rules to live by that will help you beat debt and build wealth. We'll give you tips on how to use credit cards responsibly, how to raise your credit score, and how to improve your overall financial health. So if you're ready to get out of debt and start building wealth, this video is for you. #creditscore #creditimprovement #debt #creditcard #debtfree #beatdebt #buildcredit #buildwealth #creditcarddebt #payoffcreditcards #creditcardhacks
How to trick your brain into saving more money #savingstips #debtpayoff #payoffdebt #creditcarddebt #brainhack #howtosavemoremoney
They really try to do you like that 🤦♀️ #creditrepair #debt #collections #latepayments #hardinquiries #creditscore #credit #creditreport #debtpayment #debtcollectorscalls🙄 #credittok #fixcredit #fyp #fypage
Feel like you’re doing all the right things but your score still isn’t improving? These Credit secrets could help you out. Need help improving your credit score? That’s what we’re here for! Dm or send your questions to [email protected] #creditsecrets #latepayments #credit #creditcards #creditreport #learnwithcambio
Cheap date ideas part 4 | Movie Tuesdays are tough to beat #cheapdate #datingonabudget #budgeting #ballingonabudget #smoothmove #affordabledates #budgetingtips #savemoney
Don’t let bad credit hold you back #learn #credithacking #fyp #goals
#fyp #fypシ #viral
My grocery runs have gone up 40% in the past year alone. Seems to be a confusing topic so heres what cpi (consumer price index) really means. Keep an eye on your loans’ interest rates. If they get too high, it might make sense to start looking for refinancing. Need help? Comment below or DM me! #inflation #learnwithcambio #interestratesrising #interestrates2022
Follow for credit tips school missed #knowyourcredit #bestcredittips #aicreditrepair #viral #trending #fyp
What’s your big why? #debtpayoff #payoffcreditcards #debtfree #bigwhy #aicreditrepair #creditrepairservices #staymotivated #learnwithcambio #fyp
Are you paying too much for credit repair? #aicreditrepair #savemoney #financialfreedom #learnwithcambio #viral #fyp
🪩🕺 #credit #creditscore #loans #buildcredit #fixcredit #theoffice #learnwithcambio #fypシ゚viral
Follow for credit tips that actually work. #creditrepairmyths #aicreditrepair #learnwithcambio #trending #viral
Credit checks giving you anxiety? Clean up your report with our free templates #cleancredit #creditscore #autoloan #carbuying #carbuyingtips #buildcredit #creditreport #loan #dealership #newcarwhodis #fyp #trending #viral
😎 #financialfreedom #disputetemplates #diycreditrepair #fyp
Whats with all the debt shaming these days? Tons of our customers feel embarrassed that they have to come to us for help. But in a lot of ways, the cards were stacked against them through no fault of their own. #debtshame #creditscore #buildcredit #learnwithcambio #goeasyonyourself #fyp
BANKING TIP TUESDAY ‼️‼️ ~Automate everything~ #banking #banktips #bank #bankingtips #credit #creditscore #credittips #creditcard #latepayments
Carrying a balance on your 💳 is more expensive than ever. Here’s an easy way to pay them off faster #interestrates #creditcards #payoffdebt #savemoney #thankyourself #learnwithcambio
Thinking about bankruptcy? Explore your options first! Comment “help” for free credit guidance! #learnwithcambio #paytodelete #fyp
Today was a good day 😎 #collections #creditscore #mortgage #creditreport #credit #firsttimehomebuyer #viraltiktok #credithackstheydonttellyou #creditrepair #christopherwalken
Work smarter not harder #howtoautomateyourfinances #savingstips #money #learnwithcambio #fyp
Tune in LIVE tomorrow 02/01 @ 5PM cst👀 #buildcredit #sneakpeek #livestream #credit #roadto1million
Let me get my coffee first #credit #creditscore #creditrepair #buildcredit #learnwithcambio #creditmemes #chillout #7up #moonpie #stop #collections #collectionsdebt #paytodelete
Can’t beat that feeling 😎 #credit #mortgage #firsttimehomebuyer #loan #funny #fyp #gotitlikethat
6 Tips to Get Your Score Over 650 🚀 #credit #creditscore #learnwithcambio #buildcredit #debt #creditcards #badcredit #fixcredit #fixbadcredit #fypシ゚viral
Information missing from your credit report? This could be why. Some lenders dont want to pay the additional cost of reporting your credit history to all 3 of the credit bureaus. So is that good or bad for your credit score? Well it depends. If a positive item (good payment history) only shows up at 1 bureau, then your FICO score could be missing positive payment history. Which is no good. On the other hand, a late payment or collection account thats only reported at 1 bureau would mean your credit score isnt taking as big of a hit. Curious what’s hurting your credit score? Download the app or use our free resources to start making your credit work for you 💪 #learnwithcambio #ficoscore #creditbureaus #improvemycredit #knowyourscore #creditexplained #credittok #creditscores #experian #transunion #equifax
With ai, it really is that simple #aicreditrepair #buildcredit #fixcreditfast #learnwithcambio #viral #trending #fyp
#stitch with @M3_chick Watch out, lots of bad info out there #aicreditrepair #debtvalidationletter #debtvalidation #creditrepairservices #diycreditrepair #learnwithcambio #fyp
You are not alone #aicreditrepair #learnwithcambio #buildcredit #bestcredittips #viral #fyp
Progress ✅ #financialliteracy #danawhite #financialfreedom #funny #money #fyp #foryoupage
What a credit card balance in 2023 will cost you #creditcard #debt #interestrates
They’ve got free snacks tho… #buildcredit #firsttimegomebuyers #whatareyoudoing #creditscore #mortgage #openhouse #justhangingaround #learnwithcambio
They’re persistent I’ll give ‘em that #fummy #credit #tomcruise #creditscore #collections #debt #buildcredit #collectioncalls #negotiatebills #paytodelete #debtfree #fixcredit #fypシ゚viral
If you’re serious about improving, check out the links in our profile #getbettereveryday #aicreditrepair #financialfreedom #learnwithcambio #trending #fyp
That late payment is why your credit score is below 650. Remove it in 4 easy steps #credit #latepayments #tips #problemsolved
3 Easy Ways to Lower Medical Bills | If you're struggling to pay off your medical bills, you're not alone. Medical debt is a major problem in the United States, and it can be really tough to get out from under it. But there are some things you can do to lower your medical bills and make them more manageable. In this video, we'll show you three easy ways to do just that. So if you're looking for ways to lower your medical bills, watch this video now! #financialliteracy #medicaldebt #getoutofdebt #medicaldebt #creditscore #creditimprovement #finacialfreedom
Cheap Date Ideas Part 1 | Here’s one way to impress your significant other while on a budget. Follow for more! #ballingonabudget #cheapdate #moneysavingtips #bigmoneyenergy #trending #fyp #moneytips
Credit Utilization Simplified - Credit utilization sounds complicated but really it's simple: How much debt are you using compared to how much is available to you. So for a given credit card, let's say you have a credit limit (debt available for you to use) of $1000. If your current balance is $1000, you have 100% credit utilization. Lenders will think you're risky if you're using all or most of the debt available to you. A good rule of thumb is to try keeping your credit utilization under 30%. Follow for more! #creditimprovement #financialliteracy #creditutilization #creditscore #creditscorefactors #learnwithcambio
Doing this can help you increase your credit score by 50 points! #creditscore #creditcard #credit
Even a small improvement to your score can mean big savings #aicreditrepair #savemoney #buildcredit #homebuying #viral #fyp
Find some extra cash? Lets put it to work. #debtfree #debtpayoffplan #creditcard #learnwithcambio #financialfreedom #viral #fyp
Manifest that sh*t… (or just download Cambio) #creditscore #buildcredit #creditreport #finnwolfhard #fyp #CapCut #creditcards #cleancredit #fixyourcredit
Are you tracking ALL of your credit scores? #fico #vantagescore #protectyourscore #learnfromcambio #fyp #viral
The math ain’t mathin #inflation #risinginflation #ballinonabudget #groceries #expensivegroceries #groceryinflation #groceryshopping #budgeting #moneytok #fyp
Stressing about hard inquiries? Take a breath and watch this. #creditscore #hardinquiries #credit #learnwithcambio #buildcredit #debt
The Shocking Truth About Collections #collections #creditscore #buildcredit #learnwithcambio #inflation #fyp
Our 6 Phase Process for Improving a Bad Credit Score. Follow and like to learn more about each phase of improving your score. #credit #buildcredit #creditscore #debtfree #learnwithcambio #creditreport #collections #latepayments #creditrepair #debtpaydown #financialfreedom #credittips #trending #moneytips #fypシ
Make your credit work FOR you, not against you #howtouseyourcreditscore #aicreditrepair #savemoney #credittips #learnwithcambio #fyp
Overbudget this holiday season? Follow these steps to get back on track #overbudget #holidayspending #presents #happyholidays #newyear #backontrack
How To Prepare For Rising Interest Rates | With interest rates on the rise, your debt is likely going to get more expensive. A lot more expensive. Luckily, there are several things you can do to prepare yourself for higher interest rates. 1. Follow the 50/30/20 rule. 50% of your income goes to necessities like food, bills, transportation. 30% goes to purchases for yourself (gotta stay sane somehow!). The remaining 20% HAS to be put aside for your debt obligations. You do NOT want to miss payments and cause your debt to get even more expensive. 2. Stop using credit cards. The more balance you carry over, the more interest you will pay. And that interest will start hurting even more in the coming months. 3. If you currently care a high balance on your credit cards, you may want to consider paying them off with a personal loan at a lower interest rate. Use the loan ONLY to pay off your credit card balances then make on-time payments to your new loan. Make your score work for you, not against you. Like and follow for more! #risinginterestrates #inflation #savemoney #learnwithcambio #debtpayoff #consolidation #makeyourmoneywork #creditcard #credittips #creditscore #ForYouPizza
Replying to @scuwubasteve Cambio CEO here. All credit scores use the same information (your credit report). They just use different math to spit out a number (the score). Removing a hurtful collection or charge-off account from your credit report will improve all of your scores so if your Vantage Score increases, its safe to assume your FICO Score will too.
Cheap date ideas part 2 | What’s your go to cheap date? #ballinonabudget #cheapdate #moneytips #budgeting #BudgetFriendly #trending #fyp #foryoupage #moneytok
WHAT GOES INTO A FICO CREDIT SCORE??? (part 1) 💯 #banking #bankingtips #credit #creditscore #creditscoreincrease #creditcard
WHAT GOES INTO A CREDIT SCORE??? (part 2) 💯 #bankingtips #banking #credit #creditcard #creditscore #creditscoretip #creditscoreincrease
TIP TUESDAY - CREDIT CARDS EDITION .... 😊😊😊 #banking #fintech #financialtips #bankingtips #bankingacademy #financialfreedom #financialtip101 #bank
#stitch with @iceage3isadocum
Cheap date ideas part 3 | One of our favorites #ballinonabudget #budgetfriendly #budgetingtips #moneymindset #trending #cheapdateideas #affordabledates #moneytok #fyp #viraltiktok
How to Stay Motivated While Building Credit - Building credit is tough. Especially today where it seems everything is trying to convince us to buy on credit. During my credit improvement journey, I stayed motivated by asking myself “Why do I want better credit?”. When I had the answer, I asked “Why?” again. “Why do I want a better house?” This helped me get to the root of WHY I was taking on the effort of improving my credit score. For me, it was to support my family and have the freedom to live a life without the constant pressure of expensive debt. My challenge to you: ask yourself “Why” 3 times and write the answers on a piece of paper. When you get to that final answer, put it on post-it note in your wallet. When you get the urge to splurge, take out the note to remind yourself WHY. Already know your Why? Put it in the comments! #motivation #buildcredit #creditprotip #creditscore #why #comeup #growyourscore #learnwithcambio #ForYouPizza
3 easy ways to improve credit utilization: 1. Stop spending on your credit cards. Adding to your credit card balance digs you deeper into debt and hurts this factor of your credit score. PRO TIP: If you cant cut all of your credit card spending, choose the card with the highest balance instead. 2. Pay more than the minimum payment when you have the money. Set up automated payments or a reminder on paydays. Take the time NOW and thank yourself later. 3. Never close your credit card accounts. Get the card balance down to $0 and forget about it. You want these accounts to remain open. What works for you? Comment below. Need help? Ask me! #creditcard #learnwithcambio #creditutilization #creditfactors #creditimprovement #creditscores #creditscoretips
Changing your banking habits will help improve your finances. Let’s make those changes! #banking #bankingtips #bankingtiktok #finance #financetiktok
Cheap date ideas part 5 | This one’s for the competitive couples. What’s your game of choice? #affordabledates #cheapdate #moneymindset #BudgetFriendly #ballinonabudget #fyp
IT’S BANKING TIP TUESDAY 🚨🚨🚨 Create a “payment” day each month on a day that you know you will have the money for it! #banking #bankingtips #money
#stitch with @apc You could be one payment from 750+ Here’s how to delete collections from your credit report #creditcards #collections #bettercredit #learnwithcambio #debt #creditscore #buildcredit #paymenthistory #fyp
SET SOME SHORT TERM GOALS TODAY!!! YOU GOT THIS🥳🥳 #moneytip #bankingtiktok #bankingtips #financialfreedom #financialadvice #finance #banking #fyp
Why is my credit mix so bad? - Improving this factor of your credit score could mean the difference between an application approval or denial. Your credit mix could be improved by having a diverse credit history. Showing on time payments on a lot of different loan types (auto, personal, mortgage, etc) tells lenders you are responsible with your credit. #creditscore #creditfactors #learnwithcambio #creditimprovement
FICO 10T credit score, will it impact me? FICO 10T is a new scoring system that is being rolled out by the credit reporting agency Fair Isaac Corporation. This system is designed to provide a more accurate picture of an individual's creditworthiness. But what does that mean for you and your credit score? In this video, we'll explain everything you need to know about FICO 10T and how it could impact your credit score.#creditscore #ficoscore #creditimprovement
😒Always get an itemized bill #pedropascal #whatdoyoymean #medicalbills #itemizedbill #funny #trending
Who’s really coming out on top 🤔 #credit #creditcards #welcomebonus #creditscore #creditimprovement
Credit Card Debt Hits All Time High! At 930 BILLION owed in credit card debt, we’ve passed the record set in the 2008 financial crisis. A major difference today is that 18 - 29 year olds are almost 80% more likely to default on their debt! It’s more important now than ever to stabilize your finances and get your credit cards under control. If you don’t want to end up as a part of these worrying statistics, here are some tips to get you started: 1. Follow the 50/30/20 rule. 50% of your income goes to necessities like food, bills, transportation, 30% goes to wants, and the remaining 20% HAS to be put aside for your debt obligations or savings. You do NOT want to miss payments and cause your debt to get even more expensive. 2. Stop buying on credit cards. We’re in a high interest rate environment which means carrying a balance on your cards month-to-month is going to get EXPENSIVE. Pay down your balances, stop credit cards, start using your debit cards. Times are tough. If you need help, send me a DM or leave a comment. I’m a credit expert and I’m here for you. We’ll get through this together! #creditcards #creditcarddebt #breakingnews #economy #recordhighdebt #creditscore #learnwithcambio #ShaveItOff
Happens All. The. Time. 😤 #studentloans #creditscore #funny #loans #debt #credit #recession2023
Delete these collections using the guides in our profile or comment “help” for free guidance #paytodelete #cambioapp #fyp
It’s a grind but that feeling is tough to beat🤘 #creditcards #paydowndebt #debtfree #credit #financialfreedom #trending #jamesbrown #moneymotivation #creditscore
Does Buy Now Pay Later Hurt My Credit Score? Cambio CEO Blesson Abraham Has The Answer
👻The US continues to rack up credit card debt. Name something scarier than debt. I’ll wait. #CreditCard #CreditCardDebt #CreditRepair #BankingTips
Risk based pricing - What determines the cost of your loans? With this knowledge you can start working towards cheaper loans and lower interest rates. Need help improving your credit score? Throw your questions in the comments! #learnwithcambio #creditscore #creditimprovement #interestrates2022 #interestratesrising #loansexplained #creditexplained #creditexpert #creditrepair
Sorry bud, that Dodge Challenger ain’t worth 6+ YEARS of payments #agreetodisagree #autoloans #drowningindebt
Should you be worried about the latest interest rate hike? #interestrates2022 #debt #federalreserve
Start the new year off right 🏡 Let 2023 be the year your dreams come true #manifesting #happyholidays #creditrepair #creditscore
If only there was a way to resolve them 🤔 #buildcredit #credit #creditscore #creditmemes #creditreport #collections #moneytok #fyp
Call that a missed opportunity 💅 #zoolander #zoolandermeme #whoisshe #credit #creditscoreincrease
We all stumble sometimes. Answering this question can help you get back up again. It's simple, "Why?" Building credit is tough. So we asked our members to tell us WHY they're working on their credit score. When they feel discouraged, we remind them of what first motivated them to invest in themselves and their credit. Here are a few of their answers. Post your "why" in the comments! #motivateme #motivation #mywhy #purposeful #credit #creditscore #buildwithconfidence #learnwithcambio
Late payments can stay on your credit report for up to 7 YEARS and banks deny you for it. Not at Cambio🔹 #FinancialLiteracy #BankingTips #Banking
We all stumble 🤷♀️ Get back up with Cambio #lifehappens #goeasyonyourself #money #savemoney #buildcredit #budgeting #fyp #pedropascaledit #trending
How to build wealth while using credit responsibly. Make your money work for you. Follow for more tips!
They’ll get ya 😅 #creditcards #credit #debt #risinginterestrates #learnwithcambio #creditscore #buildcredit #fyp
Join the Cambio team as we host our FIRST EVER live-raffle. In less than 7 minutes, you'll meet teammates, explore Cambio's origin, and WIN MONEY!
"From dreaming to homeownership🏡✨ Follow me on this journey to find the perfect neighborhood & secure that mortgage approval! #FirstHomeGoals #Homebuying101"
Luckily we can help with that 👋 #collections #creditrepair #collectionsdebt #creditscore #creditreport #removecollections #fypage #trending #fyp