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okay yall so were back to talking about how to get that credit up so back in the day after graduating college I had my first collections from a two thousand dollar credit card that honestly I should never have been allowed to have seeing as how I was a broke college student but I got a two thousand dollar credit card and of course I spent all the the two thousand dollars and I never really paid it off so what happened was my dad told me to call up the collections agency and negotiate them to get them to remove my negative debt if I offered to pay a percentage of the amount that I owed right then and there so basically called the collectors agency talk to them and get them to negotiate with you to be able to move that remove that negative debt from your credit report by you you know offering a percentage of the amount thats actually owed and it actually worked I was really pleased to see that it actually worked now this is not always easy to do and sometimes even after they agreed t