I had something in collections from JPMorganChase from years ago when I didn’t understand credit & how it works. I jumped on a call with Edgar and he really broke down how the collections & charge offs work. Just wanted to speak on one of my negotiations with the collection company, I was able to talk them down from 4235.00 to a 509.00 settlement which will be completely deleted as of the 19th. Keep going hard & don’t take no for answer!

What’s up Edgar? Appreciate all the videos you posted. Solid information to build a good foundation on credit and answer questions for others. I had a question about savings secured loan vs auto loan. Let’s say a young person is building out their credit profile or starting their credit journey. Would it be better for them to get their own car loan OR to get a savings secured loan. (This example is if they can responsibly pay off either on time). Which would help their credit mix percentage more? And if they went the SSL route, would it help their odds at getting a lower rate for a car loan in a year? Appreciate you!

“The man who ask a question is a fool for a minute, the man who does not ask is a fool for life” Don’t ever be afraid to ask questions in the community. You never know who’s in the exact same situation as you but is too afraid to ask. Sometimes we have to be humble enough to accept that all the answers are not within, to this day I’m still seeking answers from people 10-20 years ahead of me and i don’t think I’ll ever stop. All questions are welcome 🫶🏼