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hey whats up youtube fam brandon weaver here once again i got an individual who writes in they say hey ive got one charge off okay one charge off now this individual has been boosting their score been building their credit theyve got an 80 point boost to their credit since theyve been you know working on the credit watching these videos getting good credit on there okay paying things down got the credit utilization way down under seven percent okay utilizing their credit theyve got 80 point boost going on but they got this one charge off thats been sent to a collection theyre saying hey look you know um what do i do theyre calling me you know i they they seem like theyre you know trying to get theyre sending the letters and theyre trying to collect all this stuff what do i do okay first and foremost you can send the letter that tells them to cease and desist their telephone communication and calls to you so they stop you know calling you all the time and they have to do ever
