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@JReLLz35 "@Experian @ACCreditCounsel @CityGirlSavings @DebtFreeGonnaBe @BeverlyHarzog @perspectives83 @Glink @BruceMcclary @JumpStart1995 I am so happy to be here #Creditchat"
X Link @JReLLz35 2025-10-15T19:04Z XXX followers, XX engagements

"@Experian A1: Good credit opens many doors for young adults they can get lower loan rates allow them to qualify for better apartments even job offers Its your financial representative build it early to save big later. #CreditChat"
X Link @JReLLz35 2025-10-15T19:05Z XXX followers, XX engagements

"A1: Good credit opens many doors for young adults they can get lower loan rates allow them to qualify for better apartments even job offers Its your financial representative build it early to save big later. #CreditChat"
X Link @JReLLz35 2025-10-15T19:05Z XXX followers, XXX engagements

"@Experian A2: There are many ways to start building credit. X. Use a secured card which is a card that you prepay and spend what you have loaded on the card. X. Pay bill on time and in full. X. Keep balances low (30% limit). X. Being an authorized user on a parents card. #CreditChat"
X Link @JReLLz35 2025-10-15T19:12Z XXX followers, XX engagements

"A2: There are many ways to start building credit. X. Use a secured card which is a card that you prepay and spend what you have loaded on the card. X. Pay bill on time and in full. X. Keep balances low (30% limit). X. Being an authorized user on a parents card. #CreditChat"
X Link @JReLLz35 2025-10-15T19:12Z XXX followers, XXX engagements

"@Teena_LaRo @Experian @ACCreditCounsel @CityGirlSavings @DebtFreeGonnaBe @BeverlyHarzog @perspectives83 @Glink @BruceMcclary @JumpStart1995 Thank you I did. She said Yes #Creditchat"
X Link @JReLLz35 2025-10-15T19:13Z XXX followers, XX engagements

"@Experian A3: Paying bills on time is key One late payment can tank your score. You should automate payments to stay on track and build lender trust. If you do find yourself in a hardship let your issuer know. You may be able to get relief and its better than not paying #CreditChat"
X Link @JReLLz35 2025-10-15T19:16Z XXX followers, XX engagements

"A3: Paying bills on time is key One late payment can tank your score. You should automate payments to stay on track and build lender trust. If you do find yourself in a hardship let your issuer know. You may be able to get relief and its better than not paying #CreditChat"
X Link @JReLLz35 2025-10-15T19:16Z XXX followers, XXX engagements

"@Experian A4: This is something people get confused. Your Credit Report is a culmination of all your payment history the amount and type of debts and accounts you have. Your Credit Score is a number (300-850) summing it up. The reports the story and the scores the summary. #CreditChat"
X Link @JReLLz35 2025-10-15T19:21Z XXX followers, XX engagements

"A4: This is something people get confused. Your Credit Report is a culmination of all your payment history the amount and type of debts and accounts you have. Your Credit Score is a number (300-850) summing it up. The reports the story and the scores the summary. #CreditChat"
X Link @JReLLz35 2025-10-15T19:21Z XXX followers, XXX engagements

"@Experian A5: The top factors of your credit score are payment history (35%) credit use (30%) and account age (15%). So make sure to pay your bill on time keep balances low or paid off and dont close old cards. #CreditChat"
X Link @JReLLz35 2025-10-15T19:25Z XXX followers, XX engagements

"@Experian A6: There are a lot of myths out there one is that closing old cards helps your score because you won't use them. The truth is it can hurt by shortening the age of accounts and increase utilization because you have less available credit. Keep them open use lightly. #CreditChat"
X Link @JReLLz35 2025-10-15T19:31Z XXX followers, XX engagements

"A6: There are a lot of myths out there one is that closing old cards helps your score because you won't use them. The truth is it can hurt by shortening the age of accounts and increase utilization because you have less available credit. Keep them open use lightly. #CreditChat"
X Link @JReLLz35 2025-10-15T19:31Z XXX followers, XXX engagements

"@Experian A7: You should check your credit report regularly especially if you are looking to get a loan. You can see your report free from @Equifax @Experian_US @TransUnion. Monitor to be able to catch errors early to protect your score. #CreditChat"
X Link @JReLLz35 2025-10-15T19:36Z XXX followers, XX engagements

"A7: You should check your credit report regularly especially if you are looking to get a loan. You can see your report free from @Equifax @Experian_US @TransUnion. Monitor to be able to catch errors early to protect your score. #CreditChat"
X Link @JReLLz35 2025-10-15T19:36Z XXX followers, XXX engagements

"@Experian A8: Some strategies that you can implement are to list out all debt and interest rates create a budget to see how much you can allocate to paying down debt Pay on time and utilize X% interest balance transfers. Dispute report errors and stay patient #CreditChat"
X Link @JReLLz35 2025-10-15T19:41Z XXX followers, XX engagements

"A8: Some strategies that you can implement are to list out all debt and interest rates create a budget to see how much you can allocate to paying down debt Pay on time and utilize X% interest balance transfers. Dispute report errors and stay patient #CreditChat"
X Link @JReLLz35 2025-10-15T19:41Z XXX followers, XXX engagements

"@Experian A9: The steps you should take are as follows: Dispute errors online or by mail at @Equifax @Experian_US or @TransUnion . Send proof that supports your claim track and follow up in XX days (typical investigation time). Fixing errors can boost your score. #CreditChat"
X Link @JReLLz35 2025-10-15T19:45Z XXX followers, XX engagements

"A9: The steps you should take are as follows: Dispute errors online or by mail at @Equifax @Experian_US or @TransUnion . Send proof that supports your claim track and follow up in XX days (typical investigation time). Fixing errors can boost your score. #CreditChat"
X Link @JReLLz35 2025-10-15T19:45Z XXX followers, XXX engagements

"@Experian A10: The more informed you are the more you know what to look out for. Credit education can mean lower rates better loans and financial freedom. Its the power to leverage and plan your future with confidence. #CreditChat"
X Link @JReLLz35 2025-10-15T19:50Z XXX followers, XXX engagements

"A10: The more informed you are the more you know what to look out for. Credit education can mean lower rates better loans and financial freedom. Its the power to leverage and plan your future with confidence. #CreditChat"
X Link @JReLLz35 2025-10-15T19:50Z XXX followers, XXX engagements