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Updated on Jan. 20, 2026

You get a phone call from a debt collector. They say you owe money for a medical bill from six months ago. You're shocked. You never got a bill. You had no idea you owed anything.Can hospitals really ...

Updated on Jan. 20, 2026

When contractors quote thousands for repairs, these proven alternatives can save homeowners up to 80% while delivering lasting results.Home repairs can drain your budget faster than a leaky pipe drain...

Updated on Jan. 20, 2026

What You'll Learn HereThis guide will show you 8 real ways to buy rental property without using your own money. You'll learn what works, what doesn't, and how to get started today.   At a G...

Updated on Jan. 18, 2026

You finally saved enough for a down payment. Your credit score looks good. You have a steady income. You apply for a mortgage and feel confident.Then the lender tells you no. The reason? Your student ...

Updated on Jan. 18, 2026

You make your student loan payments on time every month. You check your account. Everything looks fine. But then you check your credit score and get a shock. It's dropped by 100 points or more.How did...

Updated on Jan. 14, 2026

A secondary bureau freeze is the process of restricting access to your credit file at non-traditional credit bureaus and debt collectors use for identity verification and risk assessment. It matters b...

Updated on Jan. 14, 2026

Getting a letter from Pioneer Credit Recovery can feel scary. Your heart might race when you see that envelope. You might worry about your bank account or paycheck. But don't panic. You have options.P...

Updated on Jan. 14, 2026

When PRA Group contacts you about a debt, they must prove they own it. This proof comes through a "chain of title" showing how the debt transferred from the original creditor to PRA Group. Without thi...

Updated on Jan. 14, 2026

Action Collections is a third-party debt collection agency based in California that purchases or is assigned unpaid debts from original creditors. Yes, Action Collections does appear on credit reports...

Updated on Jan. 13, 2026

Running a business can feel like trying to fill a bucket with water while it’s leaking from the bottom. You work hard to generate income, but financial challenges often drain money faster than it co...

Updated on Jan. 13, 2026

Your work's group insurance plan offers major financial benefits since your employer pays 85-90% of premiums. Then, you get tax breaks on your portion, and you receive better coverage at lower costs t...

Updated on Jan. 13, 2026

Buying a home is one of the biggest decisions most people make in their lives. The process can feel overwhelming with all the steps involved. Many first-time buyers make costly mistakes because they d...

Updated on Jan. 13, 2026

Are you worried about what happens if you don’t pay a debt? Whether you’re facing financial hardship or intentionally avoiding payments, it’s important to understand the potential consequences.A...

Updated on Jan. 08, 2026

When Snap Debt Recovery contacts you, here's what's happening: they're attempting to collect on a debt that was either assigned to them by an original creditor or purchased by a debt buyer who hired t...

Updated on Jan. 08, 2026

Most collections stay on credit reports after disputes for one simple reason: the account was verified as accurate by the creditor or collection agency, even if the information feels unfair or damagin...

Updated on Jan. 06, 2026

When it comes to collections, credit repair helps more than debt settlement because it focuses on correcting, disputing, or removing how collections are reported, while debt settlement only addresses ...

Updated on Jan. 06, 2026

The lawsuit itself doesn't appear on your credit report. But what happens because of the lawsuit absolutely does, and the damage can be severe.Here's what actually affects your credit score when you'r...

Updated on Jan. 06, 2026

When it comes to removing collections from your credit report, unpaid collections are often easier to remove than paid ones, because once a collection is paid, the account is usually marked as verifie...