[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.] #  @martin_credit_exp MartinCreditExpert MartinCreditExpert posts on TikTok about collection, if you, karma, bank the most. They currently have XXXXXX followers and XX posts still getting attention that total XXXXXX engagements in the last XX hours. ### Engagements: XXXXXX [#](/creator/tiktok::7538858523284227085/interactions)  - X Week XXXXXXX -XX% - X Month XXXXXXXXX +13% ### Mentions: XX [#](/creator/tiktok::7538858523284227085/posts_active)  - X Week XX +18% - X Month XX -XX% ### Followers: XXXXXX [#](/creator/tiktok::7538858523284227085/followers)  - X Week XXXXXX +2.40% - X Month XXXXXX +11% ### CreatorRank: XXXXXXX [#](/creator/tiktok::7538858523284227085/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) XXXXX% [automotive brands](/list/automotive-brands) XXXX% [stocks](/list/stocks) XXXX% [travel destinations](/list/travel-destinations) XXXX% [countries](/list/countries) XXXX% **Social topic influence** [collection](/topic/collection) #2904, [if you](/topic/if-you) 21.88%, [karma](/topic/karma) #46, [bank](/topic/bank) 9.38%, [closed](/topic/closed) 6.25%, [history](/topic/history) 6.25%, [debt](/topic/debt) 6.25%, [credit cards](/topic/credit-cards) #808, [money](/topic/money) 3.13%, [agencies](/topic/agencies) XXXX% ### Top Social Posts Top posts by engagements in the last XX hours "My client paid off his car loan and his score DROPPED XX points π³ Paying it off closed one of his oldest accounts π§Ύ Keep a mix of open credit length of history matters πβ #c#creditscoretipsc#creditscorec#creditrepairf#fyp#c#creditrepairservicesixmycredit financialfreedom viral fixyourcredit firsttimehomebuyer credithacks theoffice credito buisness goals credit" [TikTok Link](https://www.tiktok.com/@martin_credit_exp/video/7560767643490258189) 2025-10-13T18:00Z 30.1K followers, 228.4K engagements "She swore she had a XXX on Credit Karma Lender pulled her real score XXX π Dont trust fake scores. #c#creditkarmac#creditscorec#creditrepairc#collectionslatepayments" [TikTok Link](https://www.tiktok.com/@martin_credit_exp/video/7567071628232756493) 2025-10-30T17:42Z 30.1K followers, 275.7K engagements "What happens if you pay a charged off CC You will NOT see a credit increase π³ You cannot use the card again even if its paid in full π«π³ You spent money for zero benefit ππΈ #creditscoretips #creditscore #creditrepair #fyp #creditrepairservices fixmycredit financialfreedom viral fixyourcredit firsttimehomebuyer credithacks theoffice credito buisness goals credit" [TikTok Link](https://www.tiktok.com/@martin_credit_exp/video/7573759898706644279) 2025-11-17T18:17Z 30.1K followers, 6973 engagements "paid a $XXX Verizon collection thinking she was fixing her credit score dropped XXX points instead π¬ dont just pay the collection delete it. #c#credittipsc#creditscorec#creditrepairc#collectionslatepayments" [TikTok Link](https://www.tiktok.com/@martin_credit_exp/video/7567440014095764749) 2025-10-31T17:32Z 30.1K followers, 105.3K engagements "What happens if you get sued by a collection agency and ignore it π³β You default to their terms β They slap a judgment on your record π They can garnish your checks πΈ Freeze your bank accounts π§π¦ and add interest plus court fees to what you owe π Get ahead of it Delete the collection before they ever hit you with the lawsuit π #c#creditscoretipsc#creditscorec#creditrepairf#fyp#c#creditrepairservicesixmycredit financialfreedom viral fixyourcredit firsttimehomebuyer credithacks theoffice credito buisness goals credit" [TikTok Link](https://www.tiktok.com/@martin_credit_exp/video/7572658941843279117) 2025-11-14T19:04Z 30.1K followers, 200.4K engagements "How long do collection agencies have to sue YOUβ On average X to X years depending on your stateπ The clock starts last time you made a payment on the account If you recently made a payment to a collection you have officially reset the 4-6 clockπ¬ Get the collection deleted before its too lateββ ##creditscoretips##creditscore##creditrepair##fyp ##creditrepairservicesfixmycredit financialfreedom viral fixyourcredit firsttimehomebuyer credithacks theoffice credito buisness goals credit" [TikTok Link](https://www.tiktok.com/@martin_credit_exp/video/7574138093410733325) 2025-11-18T18:45Z 30.1K followers, 17.6K engagements "When my client decides to pay off all her collections and did not ask for a pay for delete. π₯ π 11k gone π₯² and now we have to wait X years to see if it comes off. #creditscoretips #creditscore #creditrepair #fyp #creditrepairservices" [TikTok Link](https://www.tiktok.com/@martin_credit_exp/video/7543338223896956173) 2025-08-27T18:45Z 30.1K followers, 3.7M engagements "π¨Do Not. I repeat do Not Pay off your collections thinking it will be removed from your credit It will stay there as a paid collection and that is still a derogatory mark Have us delete them instead ππ»π§ ππ»π #creditscoretips #creditscore #creditrepair #fyp #creditrepairservices" [TikTok Link](https://www.tiktok.com/@martin_credit_exp/video/7548260422495833357) 2025-09-10T01:05Z 30.1K followers, 97.8K engagements "My client refinanced his car and his score DROPPED XX points π³π The bank closed his old loan and reported a brand new one He basically reset his credit history overnight π’ We ran a full audit fixed the damage and raised his score XX points in X months π Now the banks calling him with better APR offers π #creditscoretips #creditscore #creditrepair #fyp #creditrepairservices" [TikTok Link](https://www.tiktok.com/@martin_credit_exp/video/7570466053394877709) 2025-11-08T21:15Z 30.1K followers, 29.6K engagements "What happens if you ignore a collection π€π You might get sued your wages garnished and your bank account frozen ππΈ Especially if its Jefferson Capital Midland Credit LVNV Funding or Portfolio Recovery β By the time you get that court notice its already too late. Handle it now π #creditscoretips #creditscore #creditrepair #fyp #creditrepairservices" [TikTok Link](https://www.tiktok.com/@martin_credit_exp/video/7571185878983249166) 2025-11-10T19:48Z 30.1K followers, 1.3M engagements "Last night at Christkindlmarkt on the Rathausplatz in Vienna Austria β¨ Vienna Christmas magic at its biggest + brightest. #viennachristmasmarkets #christmasmarkets #viennaaustria #christmasmagic #creatorsearchinsights" [TikTok Link](https://www.tiktok.com/@anthonykatiekay/video/7573457221904813367) 2025-11-16T22:42Z 11.3K followers, 212.8K engagements "If a collection agency cant PROVE your debt heres what actually happens π³π They must stop collecting. No proof means they legally gotta back off π«π° They cannot sue you. No documents no court case ββ The account becomes disputable. Weak paperwork means easy deletion ππ₯ And they have to send REAL verification Not a screenshot or random spreadsheet π¬π€ #cre#creditscoretipse#creditscoree#creditrepairp#fypre#creditrepairservicesmycredit financialfreedom viral fixyourcredit firsttimehomebuyer credithacks theoffice credito buisness goals credit" [TikTok Link](https://www.tiktok.com/@martin_credit_exp/video/7576827275459579149) 2025-11-26T00:40Z 30.1K followers, 1952 engagements "β¨Maturing is realizing life is better with good credit ππ³ #creditscoretips #creditscore #creditrepair #fyp #creditrepairservices fixmycredit financialfreedom viral fixyourcredit firsttimehomebuyer credithacks theoffice credito buisness goals credit" [TikTok Link](https://www.tiktok.com/@martin_credit_exp/video/7577063979453828366) 2025-11-26T15:58Z 30.1K followers, 1440 engagements "What happens if you file for a Chapter X Bankruptcy βπ¬ Your score can drop XXX to XXX points instantly π Its pricey most people pay around three thousand dollars just to file πΈ It stays on your report for up to ten years making approvals way harder π«π³ But you can rebuild with the right plan. Plenty of people bounce back faster than you think πͺπ #cre#creditscoretipse#creditscoree#creditrepairp#fypre#creditrepairservicesmycredit financialfreedom viral fixyourcredit firsttimehomebuyer credithacks theoffice credito buisness goals credit" [TikTok Link](https://www.tiktok.com/@martin_credit_exp/video/7577105418380512525) 2025-11-26T18:39Z 30.1K followers, 3718 engagements "What happens if you dont pay your credit card for XX days π³π¬ A 60-day late can drop your score XX to XXX points instantly ππ³ Now you look high risk. Car loans apartments even new cards start saying DENIED ππ‘β Fees stack interest spikes and banks can freeze the card fix it before it turns into a charge off π²π₯ #c#creditscoretipsc#creditscorec#creditrepairf#fyp#c#creditrepairservicesixmycredit financialfreedom viral fixyourcredit firsttimehomebuyer credithacks theoffice credito buisness goals credit" [TikTok Link](https://www.tiktok.com/@martin_credit_exp/video/7579322682567625997) 2025-12-02T18:03Z 30.1K followers, 1861 engagements "FICO vs Vantage What is the difference between the X scoring systems π³β FICO is what lenders use for approvals. Car loans Credit Cards Mortgages Vantage is what apps use. Credit Karma Chime Banking apps NOT used by lenders. This is why your Credit Karma score rarely matches your real FICO score #FICO #vantage #transunion #experian #equifax" [TikTok Link](https://www.tiktok.com/@martin_credit_exp/video/7579687969473203469) 2025-12-03T17:40Z 30.1K followers, XXX engagements "Refinancing your car can save you hundreds if you do it RIGHT π°π Fix your credit score BEFORE applying. A better score can drop your APR more than anything else. Pay your credit cards down. Lower balances make lenders trust you more which means cheaper rates. Get multiple offers. Never take the first deal. Compare credit unions banks and online lenders. Dont extend your loan unless the savings are HUGE. A lower payment means nothing if the interest stacks up #carloan #refinance #creditscore #creditrepair #fixmycredit" [TikTok Link](https://www.tiktok.com/@martin_credit_exp/video/7579720123460619575) 2025-12-03T19:46Z 30.1K followers, 1717 engagements "When she was planning on paying her $7k Capital One Charge Off and a Verizon collection but instead we removed it and her scores are back over XXX πβ€ππ» #creditcard #creditrepair #credit #creditscore #creditrepairservices" [TikTok Link](https://www.tiktok.com/@martin_credit_exp/video/7549251242627845431) 2025-09-12T17:11Z 30.1K followers, 75.4K engagements "When my client says he paid his Capitol One Collection π€¦π»βππ₯ #creditscoretips #creditscore #creditrepair #fyp #creditrepairservices" [TikTok Link](https://www.tiktok.com/@martin_credit_exp/video/7550714468389489975) 2025-09-16T15:49Z 30.1K followers, 336.1K engagements "When your client tells you her parents used her SSN when she was a kid Now shes got $10000 in collections from her own parents Now its up to us to remove it from her credit report πβ #cre#creditscoretipse#creditscoree#creditrepairp#fypreditrepairservices fixmycredit financialfreedom viral fixyourcredit firsttimehomebuyer credithacks theoffice credito buisness goals credit" [TikTok Link](https://www.tiktok.com/@martin_credit_exp/video/7558164375928917261) 2025-10-06T17:38Z 30.1K followers, 2.4M engagements "When a debt collector calls π dont block them Most people ignore the call thats how they miss out on getting paid πΈ Ask for everything in writing β and NEVER admit to owing or paying anything If they call again after that they just broke the law βπ° #credi#creditscoretipsi#creditscorei#creditrepair #fypdi#creditrepairservicescredit financialfreedom viral fixyourcredit firsttimehomebuyer credithacks theoffice credito buisness goals credit" [TikTok Link](https://www.tiktok.com/@martin_credit_exp/video/7561606147929640205) 2025-10-16T00:14Z 30.1K followers, 165.7K engagements "βRemoved X collections X repo and X late payments for my client started with a XXX and is now at a XXX ππͺπ» #creditscoretips #creditscore #creditrepair #fyp #creditrepairservices fixmycredit financialfreedom viral fixyourcredit firsttimehomebuyer credithacks theoffice credito buisness goals credit" [TikTok Link](https://www.tiktok.com/@martin_credit_exp/video/7566053292678057229) 2025-10-27T23:51Z 30.1K followers, 112.2K engagements "Removing a $1400 Capital One Collection XX Late payments and a $12k repo for a single mom. She is now in the 700s and finally getting a new π‘ #creditscoretips #creditscore #creditrepair #fyp #creditrepairservices" [TikTok Link](https://www.tiktok.com/@martin_credit_exp/video/7542586087122767159) 2025-08-25T18:07Z 30.1K followers, 894.1K engagements "They offered her a discount she didnt realize itd cost her XXX credit points ππ³ #c#creditscorel#latepaymentsc#collectionscreditrepair" [TikTok Link](https://www.tiktok.com/@martin_credit_exp/video/7567109047002877197) 2025-10-30T20:08Z 30.1K followers, 1.1M engagements "Client decides to pay off all her collections and did not ask for a pay for delete π₯ π 11k gone π and now we have to wait X years to see if it comes off. #creditscoretips #creditscore #creditrepair #fyp #creditrepairservices" [TikTok Link](https://www.tiktok.com/@martin_credit_exp/video/7580064229487545613) 2025-12-04T18:00Z 30.1K followers, 4660 engagements
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]
@martin_credit_exp MartinCreditExpertMartinCreditExpert posts on TikTok about collection, if you, karma, bank the most. They currently have XXXXXX followers and XX posts still getting attention that total XXXXXX engagements in the last XX hours.
Social category influence finance XXXXX% automotive brands XXXX% stocks XXXX% travel destinations XXXX% countries XXXX%
Social topic influence collection #2904, if you 21.88%, karma #46, bank 9.38%, closed 6.25%, history 6.25%, debt 6.25%, credit cards #808, money 3.13%, agencies XXXX%
Top posts by engagements in the last XX hours
"My client paid off his car loan and his score DROPPED XX points π³ Paying it off closed one of his oldest accounts π§Ύ Keep a mix of open credit length of history matters πβ
#c#creditscoretipsc#creditscorec#creditrepairf#fyp#c#creditrepairservicesixmycredit financialfreedom viral fixyourcredit firsttimehomebuyer credithacks theoffice credito buisness goals credit"
TikTok Link 2025-10-13T18:00Z 30.1K followers, 228.4K engagements
"She swore she had a XXX on Credit Karma Lender pulled her real score XXX π Dont trust fake scores. #c#creditkarmac#creditscorec#creditrepairc#collectionslatepayments"
TikTok Link 2025-10-30T17:42Z 30.1K followers, 275.7K engagements
"What happens if you pay a charged off CC You will NOT see a credit increase π³ You cannot use the card again even if its paid in full π«π³ You spent money for zero benefit ππΈ #creditscoretips #creditscore #creditrepair #fyp #creditrepairservices fixmycredit financialfreedom viral fixyourcredit firsttimehomebuyer credithacks theoffice credito buisness goals credit"
TikTok Link 2025-11-17T18:17Z 30.1K followers, 6973 engagements
"paid a $XXX Verizon collection thinking she was fixing her credit score dropped XXX points instead π¬ dont just pay the collection delete it. #c#credittipsc#creditscorec#creditrepairc#collectionslatepayments"
TikTok Link 2025-10-31T17:32Z 30.1K followers, 105.3K engagements
"What happens if you get sued by a collection agency and ignore it π³β You default to their terms β They slap a judgment on your record π They can garnish your checks πΈ Freeze your bank accounts π§π¦ and add interest plus court fees to what you owe π Get ahead of it Delete the collection before they ever hit you with the lawsuit π #c#creditscoretipsc#creditscorec#creditrepairf#fyp#c#creditrepairservicesixmycredit financialfreedom viral fixyourcredit firsttimehomebuyer credithacks theoffice credito buisness goals credit"
TikTok Link 2025-11-14T19:04Z 30.1K followers, 200.4K engagements
"How long do collection agencies have to sue YOUβ On average X to X years depending on your stateπ The clock starts last time you made a payment on the account If you recently made a payment to a collection you have officially reset the 4-6 clockπ¬ Get the collection deleted before its too lateββ ##creditscoretips##creditscore##creditrepair##fyp ##creditrepairservicesfixmycredit financialfreedom viral fixyourcredit firsttimehomebuyer credithacks theoffice credito buisness goals credit"
TikTok Link 2025-11-18T18:45Z 30.1K followers, 17.6K engagements
"When my client decides to pay off all her collections and did not ask for a pay for delete. π₯ π 11k gone π₯² and now we have to wait X years to see if it comes off. #creditscoretips #creditscore #creditrepair #fyp #creditrepairservices"
TikTok Link 2025-08-27T18:45Z 30.1K followers, 3.7M engagements
"π¨Do Not. I repeat do Not Pay off your collections thinking it will be removed from your credit It will stay there as a paid collection and that is still a derogatory mark Have us delete them instead ππ»π§ ππ»π #creditscoretips #creditscore #creditrepair #fyp #creditrepairservices"
TikTok Link 2025-09-10T01:05Z 30.1K followers, 97.8K engagements
"My client refinanced his car and his score DROPPED XX points π³π The bank closed his old loan and reported a brand new one He basically reset his credit history overnight π’ We ran a full audit fixed the damage and raised his score XX points in X months π Now the banks calling him with better APR offers π #creditscoretips #creditscore #creditrepair #fyp #creditrepairservices"
TikTok Link 2025-11-08T21:15Z 30.1K followers, 29.6K engagements
"What happens if you ignore a collection π€π You might get sued your wages garnished and your bank account frozen ππΈ Especially if its Jefferson Capital Midland Credit LVNV Funding or Portfolio Recovery β By the time you get that court notice its already too late. Handle it now π #creditscoretips #creditscore #creditrepair #fyp #creditrepairservices"
TikTok Link 2025-11-10T19:48Z 30.1K followers, 1.3M engagements
"Last night at Christkindlmarkt on the Rathausplatz in Vienna Austria β¨ Vienna Christmas magic at its biggest + brightest. #viennachristmasmarkets #christmasmarkets #viennaaustria #christmasmagic #creatorsearchinsights"
TikTok Link 2025-11-16T22:42Z 11.3K followers, 212.8K engagements
"If a collection agency cant PROVE your debt heres what actually happens π³π They must stop collecting. No proof means they legally gotta back off π«π° They cannot sue you. No documents no court case ββ The account becomes disputable. Weak paperwork means easy deletion ππ₯ And they have to send REAL verification Not a screenshot or random spreadsheet π¬π€ #cre#creditscoretipse#creditscoree#creditrepairp#fypre#creditrepairservicesmycredit financialfreedom viral fixyourcredit firsttimehomebuyer credithacks theoffice credito buisness goals credit"
TikTok Link 2025-11-26T00:40Z 30.1K followers, 1952 engagements
"β¨Maturing is realizing life is better with good credit ππ³ #creditscoretips #creditscore #creditrepair #fyp #creditrepairservices fixmycredit financialfreedom viral fixyourcredit firsttimehomebuyer credithacks theoffice credito buisness goals credit"
TikTok Link 2025-11-26T15:58Z 30.1K followers, 1440 engagements
"What happens if you file for a Chapter X Bankruptcy βπ¬ Your score can drop XXX to XXX points instantly π Its pricey most people pay around three thousand dollars just to file πΈ It stays on your report for up to ten years making approvals way harder π«π³ But you can rebuild with the right plan. Plenty of people bounce back faster than you think πͺπ #cre#creditscoretipse#creditscoree#creditrepairp#fypre#creditrepairservicesmycredit financialfreedom viral fixyourcredit firsttimehomebuyer credithacks theoffice credito buisness goals credit"
TikTok Link 2025-11-26T18:39Z 30.1K followers, 3718 engagements
"What happens if you dont pay your credit card for XX days π³π¬ A 60-day late can drop your score XX to XXX points instantly ππ³ Now you look high risk. Car loans apartments even new cards start saying DENIED ππ‘β Fees stack interest spikes and banks can freeze the card fix it before it turns into a charge off π²π₯ #c#creditscoretipsc#creditscorec#creditrepairf#fyp#c#creditrepairservicesixmycredit financialfreedom viral fixyourcredit firsttimehomebuyer credithacks theoffice credito buisness goals credit"
TikTok Link 2025-12-02T18:03Z 30.1K followers, 1861 engagements
"FICO vs Vantage What is the difference between the X scoring systems π³β FICO is what lenders use for approvals. Car loans Credit Cards Mortgages Vantage is what apps use. Credit Karma Chime Banking apps NOT used by lenders. This is why your Credit Karma score rarely matches your real FICO score #FICO #vantage #transunion #experian #equifax"
TikTok Link 2025-12-03T17:40Z 30.1K followers, XXX engagements
"Refinancing your car can save you hundreds if you do it RIGHT π°π Fix your credit score BEFORE applying. A better score can drop your APR more than anything else. Pay your credit cards down. Lower balances make lenders trust you more which means cheaper rates. Get multiple offers. Never take the first deal. Compare credit unions banks and online lenders. Dont extend your loan unless the savings are HUGE. A lower payment means nothing if the interest stacks up #carloan #refinance #creditscore #creditrepair #fixmycredit"
TikTok Link 2025-12-03T19:46Z 30.1K followers, 1717 engagements
"When she was planning on paying her $7k Capital One Charge Off and a Verizon collection but instead we removed it and her scores are back over XXX πβ€ππ» #creditcard #creditrepair #credit #creditscore #creditrepairservices"
TikTok Link 2025-09-12T17:11Z 30.1K followers, 75.4K engagements
"When my client says he paid his Capitol One Collection π€¦π»βππ₯ #creditscoretips #creditscore #creditrepair #fyp #creditrepairservices"
TikTok Link 2025-09-16T15:49Z 30.1K followers, 336.1K engagements
"When your client tells you her parents used her SSN when she was a kid Now shes got $10000 in collections from her own parents Now its up to us to remove it from her credit report πβ
#cre#creditscoretipse#creditscoree#creditrepairp#fypreditrepairservices fixmycredit financialfreedom viral fixyourcredit firsttimehomebuyer credithacks theoffice credito buisness goals credit"
TikTok Link 2025-10-06T17:38Z 30.1K followers, 2.4M engagements
"When a debt collector calls π dont block them Most people ignore the call thats how they miss out on getting paid πΈ Ask for everything in writing β and NEVER admit to owing or paying anything If they call again after that they just broke the law βπ° #credi#creditscoretipsi#creditscorei#creditrepair #fypdi#creditrepairservicescredit financialfreedom viral fixyourcredit firsttimehomebuyer credithacks theoffice credito buisness goals credit"
TikTok Link 2025-10-16T00:14Z 30.1K followers, 165.7K engagements
"βRemoved X collections X repo and X late payments for my client started with a XXX and is now at a XXX ππͺπ» #creditscoretips #creditscore #creditrepair #fyp #creditrepairservices fixmycredit financialfreedom viral fixyourcredit firsttimehomebuyer credithacks theoffice credito buisness goals credit"
TikTok Link 2025-10-27T23:51Z 30.1K followers, 112.2K engagements
"Removing a $1400 Capital One Collection XX Late payments and a $12k repo for a single mom. She is now in the 700s and finally getting a new π‘ #creditscoretips #creditscore #creditrepair #fyp #creditrepairservices"
TikTok Link 2025-08-25T18:07Z 30.1K followers, 894.1K engagements
"They offered her a discount she didnt realize itd cost her XXX credit points ππ³ #c#creditscorel#latepaymentsc#collectionscreditrepair"
TikTok Link 2025-10-30T20:08Z 30.1K followers, 1.1M engagements
"Client decides to pay off all her collections and did not ask for a pay for delete π₯ π 11k gone π and now we have to wait X years to see if it comes off. #creditscoretips #creditscore #creditrepair #fyp #creditrepairservices"
TikTok Link 2025-12-04T18:00Z 30.1K followers, 4660 engagements
/creator/tiktok::martin_credit_exp