Kenny Johnson

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Most people never read the fine print when signing with a high-risk lender.That’s a mistake.Some loan agreements may inc...
06/04/2026

Most people never read the fine print when signing with a high-risk lender.

That’s a mistake.

Some loan agreements may include terms that affect how collections are handled if payments are missed. Depending on the lender and province, there may be clauses that allow additional collection actions or agreements tied to your wages, while other situations still require legal steps before wages can be garnished.

The point is simple:

Before signing any loan agreement, ask:
✅ What happens if I miss payments?
✅ Can this debt be sent to collections?
✅ Are there wage assignment or collection clauses?
✅ What rights do I have in my province?

The contract matters more than people think.

💬 Message me "CREDIT" for a free consultation!

06/04/2026

You think getting approved means you’re ready for a credit card?

That’s not always true.

Here are 5 signs you may want to wait:

1️⃣ You don’t have a budget
If you don’t know what’s coming in vs what’s going out every month, credit becomes dangerous fast.

2️⃣ You keep maxing out your current cards
If your current limits already feel difficult to manage, adding another card usually won’t solve the problem.

3️⃣ Your income isn’t consistent
Credit works best when you can predict your cash flow and comfortably make payments.

4️⃣ You don’t know your credit profile
Too many people apply blindly and end up with unnecessary inquiries and denials.

5️⃣ You keep missing payment dates
Late payments can become expensive and create long-term credit issues. Use autopay or calendar reminders if needed.

A credit card is a tool, not free money. If you build good habits first, credit becomes a huge advantage.

💬 Message me "CREDIT" for a free consultation!

How Did The Collection Company Get Your Number?!A lot of people get shocked when a collection company calls them and imm...
06/03/2026

How Did The Collection Company Get Your Number?!

A lot of people get shocked when a collection company calls them and immediately wonder…

“How did they even get my phone number?”

In many situations, collection agencies receive account information connected to the debt they are collecting. That can include contact information previously provided to the original creditor or updated through other permitted sources.

That’s why getting contacted does not automatically mean something illegal happened.

What matters more is making sure:
✅ The debt information is accurate
✅ The company contacting you is legitimate
✅ The account details match your records
✅ You understand your rights before responding

Before making payments or agreeing to anything, take time to verify who is contacting you and what they’re claiming.

💬 Message me "CREDIT" for a free consultation!

06/03/2026

Most people think a late payment happens the day after they miss their due date.



That's not how it works.



In many cases, a payment isn't reported as late to the credit bureaus until it's significantly past due, often around 30 days. But that doesn't mean you're in the clear during those first few weeks.



Interest can continue to accumulate, fees may be added, and your lender is likely trying to contact you to resolve the issue before it becomes a bigger problem.



This is where many people make a costly mistake.



Instead of answering the phone and working out a solution, they ignore the lender completely. That can damage the relationship and make it much harder to find a resolution.



The best way to avoid late payments is simple:

✅ Set up automatic payments
✅ Use calendar reminders
✅ Monitor your accounts regularly
✅ Communicate with your lender if you're having trouble making a payment



The earlier you deal with the problem, the easier it is to prevent long-term damage to your credit.



💬 Message me "CREDIT" for a free consultation!



06/02/2026

Most people don't realize that certain actions can restart the statute of limitations on a debt.



In many provinces, acknowledging a debt or making a payment can have important legal consequences.



For example, if you speak with a creditor or collection agency and acknowledge that the debt is yours, or if you make a payment toward the balance, that may affect the limitation period that applies to the debt.



This is why it's important to understand your rights and the laws in your province before taking action.



The biggest mistake people make is assuming they know how old a debt is without reviewing the details first.



When dealing with old debt:
✅ Know the limitation period in your province
✅ Keep records of all communications
✅ Understand the consequences of making payments
✅ Get professional advice if you're unsure of your options



A small action today can have a much bigger impact than you realize.



💬 Message me "CREDIT" for a free consultation!



The Most Expensive Favor You Can DoCo-signing a loan may seem like a simple way to help someone out, but it comes with s...
06/02/2026

The Most Expensive Favor You Can Do

Co-signing a loan may seem like a simple way to help someone out, but it comes with serious responsibility.

When you co-sign, you're not just helping someone get approved. You're agreeing to be equally responsible for the debt.

If the other person stops making payments, disappears, or becomes unreachable, the lender can come directly to you for the full balance. Missed payments can also damage your credit, even if you never used the money yourself.

Before co-signing anything, ask yourself one question:

"If this person never makes a single payment, can I afford to pay this debt on my own?"

If the answer is no, you may want to think twice before signing.

💬 Message me "CREDIT" for a free consultation!

06/01/2026

Most people think lenders only care about their credit score.



They don't.



Your credit score is just one piece of the puzzle.



What lenders are really looking at is:



✅ Payment History
This is the biggest factor. If you're consistently making late payments, lenders see you as a higher risk regardless of your score.



✅ Recent Inquiries
Applying for multiple credit cards or loans in a short period of time can make it look like you're desperate for credit.



✅ Employment Stability
Lenders want to see that you have reliable income and the ability to repay what you borrow. Constantly changing jobs can raise concerns.



✅ Derogatory Accounts
Collections, charge-offs, bankruptcies, and consumer proposals are major red flags when lenders review applications.



✅ Credit Utilization
If your credit cards are constantly maxed out, lenders may question your ability to manage additional credit.



The truth is, a good credit score alone doesn't guarantee approval. Lenders look at your entire credit profile before making a decision.



💬 Message me "CREDIT" for a free consultation!



The Credit Score Mistake Most People Don't Know They're MakingA hard inquiry doesn't just appear on your credit report b...
06/01/2026

The Credit Score Mistake Most People Don't Know They're Making

A hard inquiry doesn't just appear on your credit report by accident.

It happens when you give a lender permission to review your credit as part of an application for a credit card, loan, line of credit, or other financing.

One inquiry isn't usually a big deal.

The problem starts when people submit multiple applications within a short period of time. To lenders, that can signal increased credit risk and may affect both your approval odds and your credit score.

Before applying for new credit, make sure you actually need it. Being strategic with your applications can save you points and improve your chances of approval.

💬 Message me "CREDIT" for a free consultation!

05/31/2026

Most people think the recent lawsuits involving Equifax and TransUnion are about getting a payout.



Reality is, most consumers probably won’t see a massive cheque from this.



But that doesn’t mean the lawsuits don’t benefit you.



When credit bureaus are under pressure and facing legal scrutiny, consumers should use that moment to start reviewing and disputing inaccurate accounts on their credit reports.



This is your opportunity to:
✅ Review outdated accounts
✅ Check for inaccurate reporting
✅ Dispute unverifiable information
✅ Hold creditors accountable for proper reporting



A lot of people ignore their credit reports for years. Situations like this should remind you to finally go through your file and clean up anything that should not be there.



💬 Message me "CREDIT" for a free consultation!



The most effective way to dispute inaccurate information is usually through proper documentation and a paper trail.While...
05/31/2026

The most effective way to dispute inaccurate information is usually through proper documentation and a paper trail.

While online disputes and phone calls can work in some situations, certified mail gives you something much more valuable: proof. You now have documentation showing when the dispute was sent, what was included, and when it was received.

That leverage matters.

When you combine documented disputes with knowledge of consumer law, you put yourself in a much stronger position than someone simply submitting an online form and hoping for the best.

The people who get the best results usually stay organized, keep records, and understand their rights.

💬 Message me "CREDIT" for a free consultation!

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