my limit is gonna be low so my spending will be low since ideally you utilize below 30% of your available monthly credit limit... i’m serious about getting my credit up... i’m even gonna contact a fucking local collections place about a bill that is almost past it’s collection limit just to pay it off and get my score higher after a few months... i’m nervous because i want all the documentation of all of it, negotiate if possible, and then demand documentation proving it’s closed once i close it

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that bill shouldn’t even exist fyi but you know doctors and charging above insurance shit... but whatever...

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