Blog
Updated on Nov. 28, 2025
Metro 2 vs Traditional Credit Disputes: Why Old Methods Fail
Traditional credit disputing fails. I've watched 284 clients waste an average of $847 each on dispute services that changed nothing. They filed disputes, waited 45 days, and the negative items stayed ...
Updated on Nov. 28, 2025
How Much Does Insulation Cost? Guide to Avoiding Home Improvement Debt
How much does insulation cost? The answer determines whether you'll save thousands on energy bills or sink into credit card debt chasing comfort. Over 15 years advising families through our Texas-base...
Updated on Nov. 28, 2025
Enhanced Recovery Company Removal: Full Guide & Your Rights
Enhanced Recovery Company, or ERC was a third-party debt collection agency that operated from 1999 until its closure in November 2023. The company collected debts on behalf of creditors in telecommuni...
Updated on Nov. 27, 2025
Does Acima Lease Hurt Your Credit? Experts Answer
Acima Lease showed up on your credit report and now you're worried. Or maybe you're thinking about using Acima to buy furniture or tires but want to know if it'll hurt your credit first.Your credit sc...
Updated on Nov. 27, 2025
Markoff Law: How To Respond To Their Debt Collection Efforts
Understanding Markoff Law Collection EffortsMarkoff Law sent you a collection notice or lawsuit. Now you're searching for answers about who they are and what you should do next.We've helped more than ...
Updated on Nov. 27, 2025
How Your Business Credit Affects Your Ability to Work with Contractors
You need business internet installed. You call a telecommunications contractor for a quote. They ask for your business information to run a credit check. Then they tell you they can't work with you wi...
Updated on Nov. 26, 2025
The Hidden Link Between Identity Fraud and Poor IT Management
When Bad IT Practices Steal Your IdentityIdentity fraud cases hit record numbers in 2024. Over 1.35 trillion victim notices went out from data breaches. However, most people don't realize that behind ...
Updated on Nov. 26, 2025
How to Stop Small Home Issues From Becoming Costly Repairs
When You Can't Afford a $3,000 SurpriseYour bathroom faucet has been dripping for months. You know you should fix it, but you're just trying to make it to the next paycheck. Then one morning, you find...
Updated on Nov. 26, 2025
Everything You Need to Know About Parking Revenue Recovery Services
Parking Revenue Recovery Services appeared on your credit report or sent you a collection notice. Now you're worried and looking for answers.We understand that feeling of uncertainty when a debt colle...
Updated on Nov. 25, 2025
National Asset Management: What You Need To Know About This Debt Collector
National Asset Management is a debt collection agency operating out of Pennsylvania that has likely purchased your unpaid account from the original creditor. If they're on your credit report or callin...
Updated on Nov. 25, 2025
What You Need To Know About Monterey Financial Debt Collector
Monterey Financial is a debt collection agency. If you’re wondering why they’re calling, there’s a good chance (about 90%) that it’s related to a debt they believe you owe. The real questions ...
Updated on Nov. 25, 2025
Credit Score Impact: How Card Stacking Affects Your Score
Card Stacking manipulates your financial decisions by presenting only favorable information while hiding critical facts that could protect your credit score. This propaganda technique shows up everywh...
Updated on Nov. 23, 2025
Who is BC Services: A Guide to This Debt Collection Agency
BC Services operates as a third-party debt collection agency based in Texas. They purchase charged-off debts from original creditors and attempt to collect on those accounts. I have worked with hundre...
Updated on Nov. 23, 2025
How to Consolidate Debt With a Written Rate-Beat Guarantee
Rate-Beat Guarantee programs can make debt consolidation far less stressful by assuring you’ll secure the lowest possible interest rate, or have your lender match or beat a competitor’s offer in w...
Updated on Nov. 22, 2025
How to Get a Personal Loan With a 630 Credit Score
A 630 credit score opens more doors than you think. You just need to know which doors to knock on. Here's what most people don't realize about having a 630 credit score, well you're not in...
Updated on Nov. 22, 2025
I Paid a Charge Off: Will My Credit Score Increase?
Understanding Paid Charge Offs and Your Credit ScorePaid a charge off on your credit report expecting your score to jump, only to see little or no improvement? You're not alone. Over our 15 years runn...
Updated on Nov. 22, 2025
How to Increase Your 620 Credit Score in 30 Days: Proven Strategies
Raising Your 620 Credit Score FastA 620 credit score sits at the bottom of the "fair" credit range, costing you thousands in higher interest rates and limiting access to quality credit cards, auto loa...
Updated on Nov. 22, 2025
How to Dispute an Inaccurate RentGrow Report
RentGrow tenant screening reports contain rental history, credit data, and eviction records that landlords use to approve or deny your housing application. Errors on these reports, whether incorrect e...