I would recommend financial advising. Particularly for a female - ellevest.com! They are a hedge fund managed by females but also have career counseling or "classes" on how to negotiate a raise, how to navigate an office, etc. You can purchase her advising hours or whatever session you think might best help her! Source: about 3 years ago

But the debt may continue to impact your credit for longer than those seven years because the collections company can also place an item on your credit report. Depending on how the account is handled, whether it’s within the statute of limitations and whether you attempt to negotiate or pay the debt, the item can appear on your credit report for as long as around seven-and-a-half years from the last payment... Source: about 1 year ago

I read a lot about ignoring the Vantage scores provided by Creditkarma and while I'm satisfied with my Experian Fico 8 score, I got a trial membership on credit.com to see all the other Fico scores. Source: over 1 year ago

Just requested the credit.com people to remove it and also disputed on Transunion systems, hoping that it gets removed soon. Should not be affecting me negatively then, right? Source: over 1 year ago

So if I understand correctly, FICO 2/4/5 are used for mortgages. I then tired to dig deep into my report and got a free weekly trial from credit.com to see all other FICO scores. From 3 bureaus. And as per credit.com, my credit age and account mix ratings are either C or C- category (across all 3 bureaus). All other factors have either A or A+ (if that matters). Source: over 1 year ago

I opened an account on credit.com, like you said, and canceled immediately. Credit.com shows my FICO 9 score as 668. It also shows that I have 2 negative records. They are both the same collection that I mentioned in my original post (2 different bureaus). Source: over 1 year ago