Credit educator Melinda Carrera of Street Financial joins Hannah on The Debt Hotline to uncover the truth about debt settlements, credit scores, and your power to clean up your report. Whether you’ve recently settled a debt or are just thinking about it, this episode will help you understand what sticks, and what you can remove.Mel shares her personal story of credit recovery after a car repossession and reveals why updating your report could be as simple as making a phone call. Learn how to dispute errors, ask for account removals, and rebuild your score in 2025 using tools you already have access to.Sued for debt? Visit https://www.solosuit.com/?utm=podcast to resolve it.Celebrate financial freedom and end your debt this July! Enter Solo’s In-DEBT-ENDence Day Giveaway for a chance to win $4700 to pay off your debt:: https://www.solosuit.com/giveaway?utm=podcast In this week’s episode of The Debt Hotline, you’ll learn:[Start] What actually stays on your report after settling a debt06:45 How to remove “paid for less than full balance” from your credit report08:15 Why credit bureaus may agree to remove settled accounts faster than you think13:55 How to dispute duplicate debts and outdated info14:53 How life events, like illness or job loss, can factor into negotiation24:24 What to do if you have a judgment or public record from debt collectionKey insights from Melinda Carrera:70% of credit reports contain errors, check yours closelyYou have the right to ask for settled accounts to be removedBeing proactive and vocal can lead to faster credit recoveryMost lenders want to work with you if you’re trying to make things betterTo submit a question to The Debt Hotline, you can:Call 801-613-8181 and leave a voicemailFill out this form: https://forms.gle/28gd4XFsq6ybN4Qu8Send an email to [email protected] more from Mel: streetfinancial.net

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